PlanMyBalance

Forecast balances, plan bills, reduce debt and track wealth - no bank link.

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, and understand your overall financial position - without connecting a bank account.

Enter your income, recurring payments, one-off expenses, debts, savings goals, and balance corrections. PlanMyBalance turns them into a clear calendar-based forecast so you can spot pressure points 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
See your current cycle, lowest projected balance, balance on your safe day, safe extra on that day, and how much may be safe to withdraw now.

• 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
Use Avalanche, Snowball, or a standard repayment plan. Explore how extra payments may change payoff time and estimated interest.

• Build savings with clear targets
Create savings vaults, set goals, track planned contributions, and view progress and projections.

• Track your wider financial picture
Record assets, mortgage value and balance, cash, savings, and debts to estimate net wealth, equity, loan-to-value, and key growth drivers.

• Plan different accounts or scenarios
Use separate planning layers for bank accounts, household budgets, 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, statements, debt reports, savings 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 checks, cash-flow forecasting, and testing future 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.