See the timing
View planned income and payments in date order instead of relying only on a month-end total.
Personal cashflow planner · UK
Plan bills and payday before the money moves.
Balance Wise brings your latest bank balance, planned income and upcoming payments into one forward-looking cashflow projection. See what may be left this week, this month and further ahead, using figures you enter yourself in pounds sterling.
Free core planner · iPhone · no bank connectionFictional example
Before payday
Starting balance£1,250
Rent · 19 July−£650
Card payment · 22 July−£120
Salary · 25 July+£2,400
Lowest projected balance
£480
An estimate from the example figures above, not a live bank balance.
What does a personal cashflow planner show?
A personal cashflow planner places expected money in and planned money out on a timeline. Instead of treating today's bank balance as fully available, it accounts for commitments that have not left yet. The result is an estimate of the balance after each planned payment, including the lowest point in the period.
Balance Wise is designed for practical questions: which bills are due before the next payday, whether a planned cost fits the current month, and how a card or loan payment changes the wider picture. It is a planning tool, not a live banking feed or a promise about future finances.
Spot the low point
Check the lowest projected balance in the period, which may occur before payday rather than at month end.
Test a change
Add or adjust a planned cost and compare how that change may affect the balance path.
Build the plan around real payment dates.
Add recurring salary, weekly income, rent, mortgage payments, utilities, subscriptions and other regular costs using the dates that matter. One-off costs can sit alongside recurring items, so a yearly renewal or planned purchase is not hidden inside a monthly average.
You can also include planned credit card, loan, BNPL and savings payments. Balance Wise keeps detailed repayment planning separate from the everyday cashflow view, while still showing the payment as money leaving the plan. That connection helps you compare a repayment target with the money available around it.
Keep the projection current with a balance check-in.
Plans become less useful when the starting balance is stale. Before or after spending, update the latest bank balance in the app. Balance Wise recalculates from that new starting point while keeping your planned commitments in view.
Manual updates are deliberate: Balance Wise does not ask for a bank password, use Open Banking or import transactions. You choose which figures to enter and when to refresh them. If an amount or date changes, edit it and review the revised estimate.
Learn about budgeting without bank linkingQuestions a forward-looking cashflow plan can help you explore
How much may be left before payday?
Start with the latest balance, then subtract planned payments due before the next income date. Balance Wise shows the running estimate after each item, so you can see the lowest projected point as well as the amount shown at payday. The answer changes whenever an input changes.
Can I test an extra expense?
Add the possible expense on the date you expect it, then review the revised balance path. This is a what-if estimate rather than an affordability decision. Keep essential commitments and any costs not yet entered in mind when you interpret the result.
How far ahead should I plan?
A few weeks can answer a payday question, while several months can reveal irregular costs or a recurring shortfall. Use the window that matches the decision, and revisit longer forecasts when income, bills, repayment amounts or starting balances change.
Turn today's balance into a clearer view of tomorrow.
Download Balance Wise for iPhone, add the commitments that matter to you and review an explainable cashflow estimate before you spend.
Planning estimates only. Balance Wise does not provide regulated financial advice.