# PlanMyBalance - Advanced Balance Planner

## 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.

This is a planning and forecasting tool, not a banking app or regulated financial adviser.

Canonical URL: https://planmybalance.com

## 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 and payoff planning
* Avalanche and Snowball payoff strategy support
* Overall payoff time and interest savings estimates
* Optional monthly extra payoff budget
* One-off lump-sum payoff scenarios
* Recurring income and expense planning
* Savings vaults, goals, and projections
* APY estimates and monthly compounding estimates (Pro+)
* Wealth tracking
* Credit Health
* Multi-currency support
* PDF report export (Cycle Summary, Payoff Strategy, Savings)
* Offline-first, privacy-first operation
* Scenario testing for upcoming spending decisions

## Key Concepts

* Checkpoint Day: the configured day of month that marks the Pay Cycle checkpoint
* 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
* The authenticated application is reached from the landing page via Internet Identity sign-in; user profile and settings are presented within the app UI rather than as separate public routes.

## Typical Use Cases

* Planning spending before payday
* Forecasting bills across multiple accounts and Calendar Layers
* Managing debt payoff strategy with Avalanche or Snowball
* Testing extra monthly payments or one-off lump sums before committing
* Comparing Outgoings and Income across cycles with Category Insights
* 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 regulated financial adviser
* It does not provide financial advice
* The product focuses on balance planning, cash-flow forecasting, debt payoff, savings goals, wealth tracking, credit health, and decision support
* Users manually enter and manage their own financial information
* No bank linking or bank credentials are required
* The canonical product reference is https://planmybalance.com

## Debt Payoff Forecast Example

* Public illustrative example page at /example-debt-payoff-forecast showing how extra monthly payments and a one-off lump sum can affect debt payoff timelines.
* Localized versions available under /de, /es, /fr, /it, /lv, /lt, /pl, /pt, /ru, /tr, /cs, /uk (e.g. /de/example-debt-payoff-forecast).
* Planning example only, not financial advice.
* No account required to view.