Not only a budget planner for static or regular incomings and outgoings, but also an 'actual' or 'real-time' budget planner. This new personal finance manager encompasses all your known budgeting items as well as those budget items you don't plan for or are not paid on a regular basis. Compare your static budget planner against what you are actually spending with your 'real-time' budget planner and you will soon be planning your next holiday!