Introducing predictive cash flow: see next month before it arrives
Our new forecasting engine uses 60 days of history to project your balance, bills, and surprise expenses for the month ahead.
For most people, the scariest part of personal finance isn't the math, it's the unknown. You know roughly what's coming in, you know roughly what's going out, but the surprise utility bill, the annual subscription renewal, the tax estimate you forgot, those are what wreck the month.
Predictive cash flow is the feature we've been quietly building for the last eighteen months. Today it's live for every Pro and Business customer.
What it actually does
After 60 days of transaction history, Finley builds a per-account model of your recurring inflows and outflows. It accounts for seasonality, paydays that fall on weekends, and the long-tail of subscriptions that don't fit a clean monthly cadence.
- Forecasts daily balance up to 90 days out
- Flags upcoming bills before the auto-debit hits
- Highlights weeks where projected outflow exceeds inflow
- Suggests buffer transfers between accounts
Why we built it
We surveyed 2,400 active users in February. The single most common request, across solopreneurs, families, and small business owners, was "tell me what's coming." Existing tools all rear-view. We wanted to look forward.
“The first time it warned me about a hosting renewal three weeks out, I moved $200 around and never thought about it again. That's the whole point.”
How accurate is it?
In our beta cohort of 1,200 accounts, the 30-day balance forecast was within 8% of actual for 92% of users after 60 days of history. After 90 days, that climbs to 96%. The model improves with more data and better tagging.
Open the Forecast tab on your dashboard to see your numbers. We'd love to hear how it lands, replies to feedback@finley.app go straight to the product team.
