How the forecast works

What the page shows

Open Forecast from the left menu. On a phone, tap Forecast in the bottom bar. On a computer, choose an account from the ACCOUNT list. On a phone, tap the account name at the top to open Switch account. It offers checking, savings and credit card accounts. Cash, investment and loan accounts are not forecast.

On a computer, the top figure is the account's current bank balance. Under it, a line shows when that balance was last synced. Another line shows roughly what is available today, what overdue bills take off, and the balance at the end of today. On a phone, one figure labelled AVAILABLE TODAY (or AFTER OVERDUE) sits at the top right, with the last sync date under the account name.

The chart plots the balance day by day. Choose 1 MO, 3 MO or 12 MO above it. Three months is the default. On a computer, a dashed line labelled With potentials in the legend shows the balance if every suggested item were added. On a phone, tap the Forecast bar to open the chart.

Below the chart is the list titled FORECAST ITEMS. On a computer, filter it with All, Income, Bills or CC payments.

Where the numbers come from

For a checking or savings account, the chart starts at the bank balance. Then, day by day, it adds:

• Recurring items on this account. Each one counts on its next date and schedule. Bills take money out, and income puts money in.
• Card payments. Each credit card whose payment account is this account adds its payment on its pay day. The amount comes from that card's payment settings.
• Overdue items. A bill past its date with no matching transaction stays in the OVERDUE group until you resolve it.
• Typical spending, if it is on. This is an average of your everyday spending per week, spread across the days. It leaves out bills, transfers and card payments.

A credit card's own view shows the same payments, taken from the account that pays it.

Suggested items

The forecast also looks for repeating charges and deposits in your transactions. It offers them as suggestions, with amounts marked if adopted. Suggestions are not counted until you adopt them. Tap Adopt. For a group of suggestions, tap Triage →.

Income

If a checking account has no income items, the page shows No income detected. When the forecast spots regular deposits, a banner asks: "add as recurring income to fix your forecast?" Choose Yes, add it or Not now.

The Recurring tab

Select the Recurring tab to see every recurring item on the account. Tap + Add recurring item to add one, or Edit on a row to change it. On a phone, the same add button is on the Recurring tab.

Keep the chart in context

The chart is an estimate, not a promise. Balances come from your bank's last sync, so very recent transactions may not be in it yet.