See what your money may look like tomorrow, next payday, or months ahead.
PlanMyBalance is a privacy-first manual finance planner that helps you forecast balances, organise bills, reduce debt, build savings, understand spending patterns, and track your wider financial position - without connecting a bank account.
Enter your income, recurring payments, one-off expenses, debts, savings goals, assets, and balance corrections. PlanMyBalance turns them into a clear calendar-based forecast so you can spot pressure points and test future decisions before they arrive.
WHAT YOU CAN DO
• Forecast your future balance
View expected income, bills, debt payments, and daily balance changes across an interactive calendar.
• Understand your pay cycle
Track your current cycle, buffer, lowest projected balance, balance on your Checkpoint Day, safe extra, and how much may be safe to withdraw now.
• Compare spending between cycles
Use Category Insights to compare current and previous cycles, explore income and outgoing categories, and see Habit Spending alongside your normal categories without double-counting it.
• Plan recurring and one-off payments
Add wages, rent, mortgage payments, subscriptions, utilities, benefits, shopping, and other regular or occasional transactions.
• Compare debt payoff strategies
Explore No Strategy, Avalanche, and Snowball approaches. Test extra monthly payments and one-off lump sums, and see how different scenarios may affect payoff time and estimated interest.
• Understand your Credit Health
Review credit utilisation, APR pressure, repayment patterns, and other planning insights using the debt and credit information you enter.
• Build savings with clear targets
Create savings vaults, set goals, track planned contributions, and view projected balances and estimated interest.
• Track your wider financial picture
Record cash, savings, property equity, assets, mortgage balances, and other debts to estimate net wealth, loan-to-value, growth drivers, and future wealth scenarios.
• Plan different accounts or scenarios
Use separate Calendar Layers for bank accounts, household budgets, currencies, or alternative financial plans.
• Use multiple currencies and languages
Choose from supported currencies and app languages to match the way you plan.
• Export useful reports
Create financial snapshots, cycle statements, debt reports, savings reports, payoff reports, and wealth reports for your own records.
• Stay in control of your information
No bank connection is required. You choose what to enter and can update or remove it when needed.
PlanMyBalance can help with payday planning, bill scheduling, debt reduction, savings goals, mortgage affordability scenarios, cash-flow forecasting, spending awareness, and testing future financial decisions before committing to them.
IMPORTANT
PlanMyBalance is a planning and forecasting tool. Results depend on the information you enter and may differ from your actual bank balance or financial outcome.
PlanMyBalance is not a bank, lender, broker, investment platform, credit provider, tax service, or financial adviser. It does not provide financial, legal, tax, credit, or investment advice.