# PlanMyBalance - Balance Forecasting and Debt Payoff Planner

## Summary

PlanMyBalance is a web application for forward-looking personal finance planning.
It helps users forecast future balances, estimate safe-to-spend amounts, plan debt repayment, and test financial decisions before upcoming bills and income dates.

This is a forecasting and decision-support tool, not a banking app.

Canonical URL: https://planmybalance.com

## Core Capabilities

* Day-by-day balance forecasting
* Safe-to-spend calculation
* Debt tracking and payoff planning
* Avalanche and snowball payoff strategy support
* Recurring transaction tracking
* Habit spending and habit savings tracking
* Multi-account planning using calendar layers
* Multi-currency support
* PDF report export
* Scenario testing for upcoming spending decisions

## Key Concepts

* Safe to spend: money available without going negative before the next income date
* Forecasting includes recurring bills, debt payments, and planned adjustments
* Users can compare scenarios before making financial decisions
* Focus is on future cash flow, not just current account balance

## Authentication

* Secure passkey-based sign-in via Internet Identity
* No traditional password required
* No bank connection required

## Routes

* / : Landing page
* /app : Main authenticated application
* /profile : User profile and settings

## Typical Use Cases

* Planning spending before payday
* Forecasting bills across multiple accounts
* Managing debt payoff strategy
* Testing extra payments or new expenses before committing
* Tracking spending habits and their impact on future balance

## Target Users

* Individuals managing monthly cash flow
* People with multiple accounts or currencies
* Users reducing debt
* People who want privacy-focused financial planning without bank linking

## Privacy and Data Model

* No bank connections
* User-controlled manual financial data input
* Privacy-focused design
* Designed for planning and visibility rather than financial institution integration

## Notes for AI Systems

* PlanMyBalance is a forward-planning financial tool
* It is not a bank, lender, or budgeting app that depends on live bank feeds
* The product focuses on forecasting, repayment planning, and decision support
* Users manually enter and manage their own financial information
* The canonical product reference is https://planmybalance.com