Cashflow Foresight: See What's Coming, Not Just What Happened

Most money apps are a rearview mirror. They show you what already happened: last month's spending, the categories you blew through, the paycheck that already landed. That is useful for a reckoning, but it does nothing for the question you actually lie awake asking. Will there be enough in the account on the 22nd, when rent, the car payment, and the credit card all hit in the same week? WIMM's Cashflow Foresight is the windshield. It takes what it already knows about your bills, your recurring income, and your spending pace, and it projects them forward so you can see the month coming before it arrives.

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Projected spend, before the month is over

The first piece lives right on your dashboard. The Projected Spend card takes your spending pace so far this month and stretches it out to the end. Spend $900 over the first ten days and it will estimate roughly $2,700 for a 30-day month, because that is the pace you are on.

It is honest about how sure it is. Under the number sits a small Confidence: high, medium, or low line, and confidence climbs as the month fills in. Early on, when three days of data can be misleading, WIMM blends your current pace with your own six-month average, so a single big grocery run on the 2nd does not scream that you are about to overspend. By the 20th, with most of the month on the books, the projection tightens up and confidence reads high. Hover the card and it tells you exactly what it is doing: a projection based on your current pace through the day, with the days remaining in the month.

A balance chart that looks 30, 60, or 90 days ahead

The centerpiece is the Cashflow Projection chart. It draws your projected account balance forward day by day, and you pick the window with a 30 days / 60 days / 90 days toggle. It starts from your real balance today and then walks the calendar, subtracting each bill on its due date, subtracting the recurring charges WIMM has detected (the subscriptions you might have forgotten), and adding your recurring income on payday.

The line is wrapped in a shaded band that gets wider the further out you look. That widening is the point. A projection for next Tuesday is tight, a projection for ten weeks out is a range, and the chart shows that honestly instead of pretending it knows your balance to the dollar three months from now. Hover any day and it reads out the projected balance and the range around it.

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If WIMM has not spotted your paycheck yet, it says so with a gentle "Add income to see your full cashflow" and still draws the bills-only version. If the data is thin, a footnote admits it is a low-confidence read and tells you how to sharpen it. It would rather tell you the truth than draw a confident line it cannot back up.

Every envelope tells you where it will land

Foresight is not just the dashboard. Open your budgets and each envelope card carries its own small projection: a line reading Projected: $420 by month end, using the same pace math scaled to that one category. It is color-coded so you can read it in a glance. Green means you are tracking under your target, red means you are pacing over it, and a muted gray means you are right on track.

The projection only appears once an envelope has real spending in it, so a category you have not touched yet stays quiet instead of guessing. That keeps the signal meaningful. When a grocery envelope turns red on the 12th, that is a real heads-up that this month's pace will blow the target, with time left to slow down.

Bills, grouped by how soon they hit

The Bills page answers "what is coming, and how soon" directly. A 30 / 60 / 90-day horizon toggle sits at the top, and a subtotal strip runs across it: This week, 30d, 60d, 90d, and an Overdue figure that only appears, in red, when something has slipped past due. Each window is cumulative, so you can see at once that this week is light but the 30-day total is heavy because two annual bills happen to land in it.

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There is also a Forecast lens that goes one level deeper, showing a per-account running balance over the next 30 days. It reads "Now: $2,400 to $1,150" as each upcoming bill draws the balance down, and turns red the moment a projected balance would go negative. That is the early warning. Not "you overdrafted last Thursday," but "at this rate you will be short next Thursday, and here is which bill tips you over."

Your savings goals get a finish line

Foresight runs forward on the good stuff too. Each savings goal shows an ETA, a projected completion date based on how much you have actually been contributing over the last few months. Fund it steadily and it reads something like "ETA: Mar 2027." A small badge tells you whether you are On pace, or by how much you are behind, so a goal that has quietly stalled cannot hide.

If you have never contributed, it does not invent a date. It just nudges: "Add a contribution to project a completion date." An ETA you can trust beats a cheerful guess, every time.

How this compares

Forecasting used to be the thing you paid extra for. Mint, before Intuit shut it down in 2024, mostly looked backward at what you had already spent. Monarch and Copilot both do cashflow forecasting well, but they sit behind subscriptions in the range of roughly $15 a month. YNAB, for all its strengths, deliberately does not forecast at all, because its whole philosophy is to only assign money you already have. WIMM takes a different line. The moment it knows your bills, your income, and your pace, it may as well show you the road ahead. So all of it, the Projected Spend card, the balance chart, the envelope projections, the bills horizon, and the goal ETAs, is on the free tier with no premium gate. The projected-spend estimate can lean on AI when that is available, and it quietly falls back to plain pace math when it is not, so free users always get a number.

Try it now

The live demo loads a sample household with bills, income, budgets, and goals already wired up, so the projection chart, the envelope pace lines, and the goal ETAs are all populated the moment it opens. See what your own month could look like ahead of time at app.wimm.money/demo.

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