Forecast your balance, reduce debt, and see where your plan is heading.
Track credit health, savings and net wealth - without connecting your bank.
Add your balance, income, bills and debts. See how your money changes before payday, bills and big decisions.
Try the read-only Preview with no login. Sign in only when you want to save your plan.
Just because the bank approves it doesn't mean your cash flow will.
Test-drive big money decisions
Thinking about a mortgage, car finance, or a new monthly bill? Add it to your forecast before you commit and see how it affects your safe margin.
See the real cost of your habits
Use habit tracking to see how repeated small costs affect your balance and debt payoff timeline - and what changes when you cut back.
Manual by design
No bank links, more privacy, and better control over real-life timing like weekends, bank holidays, and shifted paydays.
Understand your credit position over time
Record your credit score history, see current and projected credit utilisation, and get data-based insights from your plan. PlanMyBalance does not pull your credit report.
- Credit score history
- Current + projected utilisation
- Planning insights
How It Works
Set your baseline, add upcoming money moves, and see what is safe before payday.
Add your starting balance
This anchors the forecast and safe-to-withdraw number.
Add payday(s), bills, and recurring spend
Build your personal money calendar in minutes.
See safe-to-withdraw + plan debt payoffs
Know what's safe today, test extra payments, and export useful reports.
Built from a real personal need. Free to start, supports multiple in-app currencies, and paid plans are shown in GBP because PlanMyBalance is UK-based.
Pricing
Key Benefits
Balance Forecast
See how your balance changes before bills, income, and spending hit.
Safe to Spend
Know what is safe to use while protecting upcoming payments.
Debt Payoff Planner
Compare payoff progress and understand how debt affects your future.
Credit Health
Track recorded score history, current and projected utilisation, and data-based planning insights.
Savings goals
See cash, savings, debts, mortgage equity, and manual assets together.
Wealth Forecast
Forecast your net wealth up to 12 months ahead using your calendar, debt, and savings data.
Wealth Reports
Export a clear Wealth Report PDF for your current position and forecast.
My Financial Overview
A quick snapshot of your cash balance, safe-to-spend amount, savings balance, upcoming bills, active debt, mortgage liabilities, and 30-day balance forecast.
Your privacy, always
- No bank connection required
- No property address required
- You enter only the values you want to track
- Property values are user-entered estimates, not formal valuations or financial advice
Curious how it works?