The Monthly Budget Planner helps you plan, manage, and track your budget on a monthly basis. You'll set up your spending plan at the beginning of the month, and track your spending throughout the month. You can also set up a savings plan with items like vacations or new cars, and track your contribution towards those items every month. The app will start with a default spending plan, monthly budget, and savings plan which you can adjust to meet your needs. The goal is to avoid using credit cards and plan a balanced budget every month.