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Visualise, Plan and Track your money: Setup a time-varying, seasonal budget that realistically forecasts payments and account balances. Visualise your finances over the next year or so with graphs and statistics, customise the categories provided in budget templates, set the currency. Manage cash flow in upcoming pay periods via an integrated spreadsheet and print reports to document the situation and help you follow the budget. Quickly investigate alternative budgets by switching items on and off. Optionally track actual finances (by confirming or updating generated payments, not entering them from scratch) then see whether you have followed the budget. Tracking automatically calculates how much is left to spend in carry-over categories and shows overdue regular payments. Use historic data to review the current situation - warn of overdue payments plus upcoming payments that need to be arranged, show available carry over amounts or amounts overspent. Efficiently revise the budget based on average or most recent historic payments in each category, for improved forecasts. Manage cash as it is withdrawn and spent. Print budgets, forecast and actual payment reports, balance sheet, cash flow, payment lists. Also useful as a (free) tool for Budget Advisors to use with clients. There is a full version of the software (US$20) to include debts and assets in the budget, import from internet banking to track actual finances more efficiently, and use scenarios to quickly investigate sets of budget changes.