See future cashflow
Bring income, bills and one-off costs together to see what may be left over the weeks and months ahead.
UK cashflow planning for iPhone
Your bank shows your balance.See what is really left after bills.
Balance Wise is a manual money planner built for UK users. Add your latest bank balance, income, bills, cards, loans, BNPL plans, savings and mortgage commitments to see what may be left before you spend. Figures are shown in pounds, and no bank connection is required.
Budget clearly. Spend confidently.
No bank connectionManual and private
A forward-looking money plan
Your bank balance is only the beginning.
Balance Wise turns the figures you know into a calmer view of what is coming next.
Plan debt with purpose
Compare card payments, track 0% deadlines and understand whether your chosen payment keeps you on course.
Stay in control
Enter only the figures you choose. Balance Wise never asks for your bank password or connects to your bank.
A plan that stays useful
Update one number. Recheck what comes next.
A bank balance changes whenever money moves. Before or after spending, quickly update your latest balance in Balance Wise. The planner then recalculates the weeks and months ahead using the income and planned payments you entered.
Balance Wise does not claim to predict an exact financial future. It gives you an explainable projection based on your own figures, so you can spot a tighter week, check the space before payday and test an extra cost without handing over bank access.
See how manual budgeting works- 1
Enter your starting point
Add the balance and commitments you want the planner to use.
- 2
See the projected path
Review upcoming income, bills and the lowest balance in the plan.
- 3
Update and adjust
Refresh your balance after spending, then compare the revised projection.
More than a monthly total
Keep different commitments in one forward-looking view.
Plan regular bills alongside credit cards, personal loans, BNPL instalments, savings goals and mortgage commitments. Credit card tools can compare planned payments and 0% promotional deadlines; cashflow planning shows how those choices may affect the money left in future periods.
Bills and payday
Place recurring income and planned outgoings on their real dates, including weekly and monthly schedules.
Cards, loans and BNPL
Record balances, planned payments and relevant deadlines without implying that Balance Wise manages the account.
Savings and home
Include savings contributions and mortgage commitments so they are visible in the wider plan.
Your next payday starts here
Know what is really left.
Download Balance Wise and build a clear plan around the money and commitments that matter to you.