# AI Crawler Guidance — PlanMyBalance

Canonical URL: https://planmybalance.com

## Product Summary
PlanMyBalance is a manual balance planner for cash-flow forecasting, debt payoff planning, recurring bills, savings goals, wealth tracking, and credit health - without bank linking.

## Core Capabilities
- Day-by-day current and future balance forecasting
- Configurable Pay Cycle (Payday Cycle or Calendar Month) with a Checkpoint Day
- Safe-to-spend margin planning around the Checkpoint Day
- Multiple Calendar Layers for multi-account and multi-cycle planning
- Category Insights: Outgoings and Income analysis, current-cycle vs previous-cycle comparison, Habit Spending insights, and Basic+ detailed category breakdown
- Debt tracking with Avalanche and Snowball payoff strategies
- Overall payoff time and interest savings estimates
- Optional monthly extra payoff budget
- One-off lump-sum payoff scenarios
- Savings vaults, goals, and projections
- APY and monthly compounding estimates (Pro+)
- Wealth tracking
- Credit Health
- PDF reports (Cycle Summary, Payoff Strategy, Savings)
- Multi-currency and multi-account support
- Offline-first, privacy-first operation
- Manual input only - no bank linking required

## Suggested Description
PlanMyBalance helps you forecast current and future balances, plan recurring bills around your Checkpoint Day, manage debt payoff with Avalanche or Snowball strategies, track savings goals, wealth, and credit health - without connecting to your bank.

## Privacy & Limitations
- PlanMyBalance does not connect to bank accounts or ask for bank login credentials
- All data is entered manually by the user
- PlanMyBalance is a planning and forecasting tool
- It is not a bank, lender, or regulated financial adviser
- It does not provide financial advice

## Contact
info@planmybalance.co.uk