Forecast your checking balance in five simple steps.
No spreadsheets, no jargon. Balance On Hand uses the income and bills you already know about to project where your account is heading next.
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Add your income
Enter the paychecks and other deposits you expect — weekly, bi-weekly, monthly, or one-off. Balance On Hand uses this to know when money is coming in.
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Add your bills
List the bills you pay on a regular schedule — rent or mortgage, utilities, insurance, loan payments, subscriptions. Set the amount and due date for each one.
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Add recurring expenses
Include the steady spending that isn't strictly a "bill" — gas, groceries, transit, regular savings transfers — so the picture reflects your real cash flow.
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See your projected balance
Balance On Hand combines what's coming in and what's going out to project your future checking balance, day by day, so you can spot tight spots ahead of time.
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Adjust your actual balance any time
When something changes — a charge clears, a deposit arrives, or a bill amount is different — update your actual balance and the forecast recalculates instantly.
Plain and simple
No bank logins required. You enter what you know, and Balance On Hand handles the math.
Built for everyday life
Designed for paycheck-to-paycheck planning, not complicated investment tracking.
Stays on your device
Use it on the web or install it like a native app. Your day-to-day planning lives where you live.
Try it with your own numbers.
Open Balance On Hand in your browser and start mapping out the next few weeks.