PlanMyBalance: Budget Planner

See how your money could look tomorrow, next payday or months ahead. PlanMyBalance is a manual budget planner that helps you organise bills, forecast daily balances and plan ahead without connecting a bank account. Add your income and expenses to a calendar, then see how today's choices could affect your future balance. WHAT YOU CAN DO • Forecast your balance and plan bills Add wages, subscriptions, rent, utilities and one-off payments. See expected income, outgoings and balance changes day by day. • Understand your pay cycle Check your lowest projected balance, your buffer and the estimated amount available to withdraw. See where money could be tight before your next payday. • Learn about everyday money Practise money maths, percentages and VAT with adjustable difficulty. Answer three daily quiz questions and explore short cards explaining useful financial ideas. All learning activities are free for everyone. • Understand your spending Compare current and previous pay cycles with Category Insights. Explore income, expenses and habit spending without counting the same spending twice. • Compare debt repayment plans Compare paying without a strategy with the Avalanche and Snowball methods. Try extra monthly payments or one-off lump sums to see their estimated effect on interest and repayment time. • Review your Credit Health Explore credit utilisation, interest rates, repayment patterns and other planning insights based on the information you enter. • Plan your savings Create savings vaults, set goals and track planned contributions, projected balances and estimated interest. • See your wider financial picture Record cash, savings, assets, property equity, mortgages and other debts. Explore estimated net wealth, loan-to-value ratios and future scenarios. • Keep different plans separate Use Calendar Layers for different accounts, household budgets, currencies or alternative plans. • Use your preferred language and currency Choose from the supported app languages and currencies. • Export reports Keep financial snapshots and reports covering pay cycles, debts, savings, repayment plans and wealth. • Control what you enter No bank connection is needed. Add information manually and update or remove it when needed. Some planning features and exports require a paid plan. Learning activities are available on every plan. IMPORTANT PlanMyBalance is a planning, forecasting and financial education tool. Estimates depend on the information you enter and may differ from your actual balance or outcome. It 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.