The cash flow forecast

Budgets look at months. The forecast looks at days, which is where balances actually run out.

What feeds the projection

The forecast projects your balance forward from two ingredients, and a mode picker decides the mix. The first is what you have told it exactly: scheduled transactions, with their amounts and dates. The second is your monthly budget, spread over the days ahead to stand in for the everyday spending that has no fixed date. The Combined (Smart) mode uses both, refined by what Endute has observed about how your spending actually lands day to day; Scheduled Only and Budget Only isolate either ingredient. The result is a day-by-day line, with hover tooltips showing the projected balance, inflows, outflows and net flow for each day.

Reading it well

The dip matters more than the endpoint. A month that ends fine can still spend three days below zero in the middle. The forecast exists to show the valley between salary and rent, while there is still time to move something.
Bands admit uncertainty. The best-case and worst-case bands, toggleable in the modes that use your budget, widen as the projection reaches further out, because pretending week six is as knowable as week one would be a lie drawn as a line.
Scope it to the question. The account selector focuses the projection: your everyday accounts for the will-rent-clear question, everything liquid for the bigger picture. Tracking accounts stay out, as everywhere.

A forecast is a consequence, not a promise

The projection is downstream of your schedules and habits; it improves exactly as fast as they do. A missing rent schedule makes week four look rosier than it is, and an unconfirmed pile in the review queue starves the learning. The forecast is at its best in the hands of someone whose recurring life is scheduled and whose queue is clear.

What next

The two levers that sharpen the forecast are both a page away: scheduled transactions for the knowable, and a worked-through review queue for the learnable.