Forward
Twelve hundred simulated futures, rebuilt every time you move a control. Committed payments are scheduled, metered bills are drawn from your own history for that month, and discretionary spending is resampled from real days you actually had.
through Oct 24
as you actually spend
the balance you don't want to cross
$16,970
day 90
$15,914
worst 1 in 20 futures
0%
never, in any path
—
move the spend control to compare
Why it is not one line
Same amount, same day. Known in advance, so the forecast schedules it rather than guessing.
10 detected
Arrives on schedule but the amount moves with the season. Forecast from your own history for that month.
2 detected
No schedule and no fixed amount. This is the part that gets simulated, and the only part you can move.
1,200 resampled paths
The schedule the model is working from
| Merchant | Period | Schedule confidence | Amount stability | Monthly | Next |
|---|---|---|---|---|---|
| Perimeter Payroll | 14d | 100% | 95% | $5,984 | Aug 4 · 9d |
| Cedar Ridge Property | 30d | 83% | 100% | −$1,811 | Jul 30 · 4d |
| Northbank Auto Loan | 31d | 82% | 100% | −$382 | Aug 14 · 19d |
| Statewide Mutual | 31d | 74% | 100% | −$210 | Aug 20 · 25d |
| Lakeline Energy | 30d | 83% | 21% | −$135 | Aug 20 · 25d |
| Relay Mobile | 30d | 76% | 90% | −$95 | Aug 12 · 17d |
| Fiberline | 31d | 82% | 93% | −$89 | Aug 7 · 12d |
| City Water Works | 30d | 83% | 52% | −$62 | Aug 6 · 11d |
| Ironworks Gym | 31d | 82% | 100% | −$43 | Aug 4 · 9d |
| Meridian Studio | 31d | 82% | 100% | −$23 | Jul 31 · 5d |
| Northline Streaming | 30d | 79% | 100% | −$19 | Jul 31 · 5d |
| Vantage Audio | 31d | 82% | 100% | −$12 | Aug 11 · 16d |
| Cloudstore | 31d | 82% | 100% | −$10 | Aug 18 · 23d |