TOOL 01 / 06 · BALANCE
Personal Balance Planner
See what may remain after your expected income, spending and reserve.
Free · No sign-up · Instant estimate · Print or download
Your planning inputs
Enter figures for one period and one currency. Do not enter bank login details, account numbers or card details.
Inputs stay in this page’s memory only. Reloading, leaving or closing the page clears them. Download first if you need a copy.
FABBalanceEnquiry.com · Independent personal planning worksheet
YOUR WORKSHEET
A result you can review.
Add your own figures, or load the clearly labelled example. Your estimate appears here after calculation.
THE WORKING, NOT A BLACK BOX
Behind the result - No mystery in the method
What this tool calculates
Starting balance + expected income − planned spending = estimated balance. Estimated balance − reserve = amount left to plan with.
What it does not do
It does not predict transaction timing, pending charges, interest, fees or whether an expected payment will arrive. A negative result indicates a gap in the figures you entered. It does not fetch a real bank balance, access a bank account, or store planning data on a server.
Inputs, rounding and privacy
Use a full stop for decimals, no grouping commas, and at most two decimal places. Amounts are limited to 1,000,000,000 per field. A currency choice changes display labels only; no exchange rates are applied. Blank optional fields are omitted from the worksheet; blank optional amounts contribute zero when arithmetic needs a value. Recurring-cost equivalents are rounded for display only. Entered text is displayed literally, not interpreted as HTML.
Printing and text downloads are generated in your browser. This tool does not save inputs in cookies, local storage or a database. Your device, browser extensions, print service and saved copies are outside this site’s control.
A FEW USEFUL ANSWERS
Before you go
Is this my real bank balance?
No. It is an arithmetic estimate from the starting balance, income and spending you type. Check your own records separately. This site cannot verify an amount.
Why can the amount left to plan with be negative?
Your entered spending and reserve may be larger than your starting balance plus expected income. Review the assumptions; the tool does not arrange an overdraft, loan or transfer.
Can I share or print my plan?
Yes. Calculate a valid result, then use Print worksheet or Download text. Review the file before sharing; downloaded and printed copies may contain the amounts and labels you entered.
Does the site store my bank details?
The tool sends no planning inputs to a server and does not save them in browser storage. Never enter bank details or login credentials. Refreshing or leaving the page clears the working inputs.