See the future of your finances and avoid overdrafts
Balance Forecasting builds a detailed cash-flow forecast of your financial future from your monthly income and expenses — up to 30 years ahead.
Also on your phone
See how it works
A quick walkthrough — add your recurring income and bills, forecast your balance years ahead, and catch a tight month before it happens.
Preview: your first month
See what the app shows you — real recurring income and bills with dates, plus a running balance. Use ← Prev / Next → to move between months; each click swaps just this fragment via htmx, no page reload.
September 2026
Sample data — sign up to see your own forecastNet income
Bills & expenses
Net cash flow
| Date | Item | Amount | Balance |
|---|---|---|---|
| Sep 1 | Paycheck - biweekly Income | +1,950.00 | 4,485.00 |
| Sep 1 | Rent Housing | -1,650.00 | 2,835.00 |
| Sep 3 | Gym membership Health | -45.00 | 2,790.00 |
| Sep 5 | Netflix Streaming | -16.00 | 2,774.00 |
| Sep 5 | Spotify Streaming | -12.00 | 2,762.00 |
| Sep 6 | Groceries - weekly Groceries | -135.00 | 2,627.00 |
| Sep 10 | Hulu Streaming | -18.00 | 2,609.00 |
| Sep 12 | Auto loan Car | -412.00 | 2,197.00 |
| Sep 13 | Groceries - weekly Groceries | -135.00 | 2,062.00 |
| Sep 15 | Paycheck - biweekly Income | +1,950.00 | 4,012.00 |
| Sep 18 | Auto insurance Car | -148.00 | 3,864.00 |
| Sep 20 | Groceries - weekly Groceries | -135.00 | 3,729.00 |
| Sep 20 | Electricity Utilities | -98.00 | 3,631.00 |
| Sep 22 | Freelance work Income | +400.00 | 4,031.00 |
| Sep 22 | Internet Utilities | -79.00 | 3,952.00 |
| Sep 23 | Phone Utilities | -55.00 | 3,897.00 |
| Sep 25 | Gas Car | -150.00 | 3,747.00 |
| Sep 26 | Savings transfer Savings | -250.00 | 3,497.00 |
| Sep 27 | Groceries - weekly Groceries | -135.00 | 3,362.00 |
Features
30-year forecast
See exactly how your balance changes over time as recurring bills, income and one-off items come and go.
Multiple accounts
Track checking, savings and credit cards in one place.
Filtering & sort
Search, sort and filter your forecast to see exactly the items you need.
Charts
View at a glance where your account is headed with clear charts.
Calendar
Review your forecast month by month on an integrated calendar.
Budgets & categories
Group items into categories and set budgets for each.
Cash-flow reports
Generate detailed reports for past months, years or custom ranges.
Excel export
Export your forecast and reports to Excel with one click.
Responsive
A consistent experience across every browser and device, desktop or mobile.
Automatic bank sync & reconciliation
Available for US banks only. Link your bank and have new transactions matched against your forecast automatically, so you only review what doesn't line up.
Import statements — PDF, CSV or OFX
No bank link needed — upload a statement and its transactions are read and reconciled the same way a live sync would. A CSV or OFX/QFX export is read exactly as your bank wrote it, so if your bank offers a download, it works.
Receipt scanning (mobile)
Photograph a receipt on your phone and turn it into a forecast item without typing the amount or the date.
The forecast method
Begin with what's actually in the bank right now.
Monthly, biweekly, weekly — Balance Forecasting handles your schedule.
Watch the forecast play out, up to 30 years.
Analyze future balance and cash flow to avoid overdrafts.
See how changing, adding or removing a bill affects your future balance.
Simple pricing
Free
- One account
- 3-month forecast
- No budgeting, calendar, charts or reports
Premium
- Unlimited accounts
- 30-year forecast
- Calendar, charts, budgets, reports & Excel export
Pro
- Everything in Premium
- Automatic bank sync & reconciliation (USA only)
- Import PDF bank statements
- Import CSV & OFX exports from any bank
- Receipt scanning (mobile)
Subscription only
Subscribe to ProFrequently asked questions
No. The free one-month trial requires no credit card. It includes every Premium feature; Pro is subscription only.
Premium is $20 USD/year and Pro is $50 USD/year. Pay with a card via Stripe — cancel anytime.
Yes. When you sign in with an existing account your forecast data migrates automatically.