How the forecast works
An estimate of your cash balance over the next 30 to 90 days, and what it assumes.
The forecast starts from the cash you have today and moves forward day by day. It is an estimate, not a promise, and it changes when your records change.
- Actual: your cash today, from your savings, current, cash and wallet accounts.
- Scheduled: bills, subscriptions, expected income and debt minimums on their dates. Unpaid items past their date are assumed to happen tomorrow.
- Forecast: everyday spending continues at your recent daily average, with recurring bills taken out so they are not counted twice.
- Confidence is low when there is under two weeks of history and higher with two months or more.
Use What if to see the effect of spending a percentage less or more, or of a one-off amount on a date. Clear returns to your records as they are.
The forecast does not know about irregular spending, price changes, or income that arrives late or not at all.