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.
October 2026
Sample data — sign up to see your own forecastNet income
Bills & expenses
Net cash flow
| Date | Item | Amount | Balance |
|---|---|---|---|
| Oct 1 | Paycheck - biweekly Income | +1,950.00 | 4,620.00 |
| Oct 1 | Rent Housing | -1,650.00 | 2,970.00 |
| Oct 3 | Gym membership Health | -45.00 | 2,925.00 |
| Oct 5 | Netflix Streaming | -16.00 | 2,909.00 |
| Oct 5 | Spotify Streaming | -12.00 | 2,897.00 |
| Oct 6 | Groceries - weekly Groceries | -135.00 | 2,762.00 |
| Oct 10 | Hulu Streaming | -18.00 | 2,744.00 |
| Oct 12 | Auto loan Car | -412.00 | 2,332.00 |
| Oct 13 | Groceries - weekly Groceries | -135.00 | 2,197.00 |
| Oct 15 | Paycheck - biweekly Income | +1,950.00 | 4,147.00 |
| Oct 18 | Auto insurance Car | -148.00 | 3,999.00 |
| Oct 20 | Groceries - weekly Groceries | -135.00 | 3,864.00 |
| Oct 20 | Electricity Utilities | -98.00 | 3,766.00 |
| Oct 22 | Freelance work Income | +400.00 | 4,166.00 |
| Oct 22 | Internet Utilities | -79.00 | 4,087.00 |
| Oct 23 | Phone Utilities | -55.00 | 4,032.00 |
| Oct 25 | Gas Car | -150.00 | 3,882.00 |
| Oct 26 | Savings transfer Savings | -250.00 | 3,632.00 |
| Oct 27 | Groceries - weekly Groceries | -135.00 | 3,497.00 |
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.
Questions? Get in touch
Questions before you sign up, problems with the app, or an idea for it: email us and we'll get back to you.
support@balanceforecastingapp.com
Email us