The Budget Planer App is a simple and free App that helps you manage you personal finances. You enter all your monthly incomings and outgoings (or weekly). Then you enter your current bank balance. The App then works out you bank balance over the coming month, or coming three months. This allows you to see if you will go over drawn at any point in time. Hopefully then you would be able to move or defer some payments round wages to avoid costly bank charges.