November 9, 20267 min read

Preview your month-end balance with Balance Forecast

If you've recorded your recurring income and expenses, you can see ahead of time how much will be left in your wallets at the end of the month. The Balance Forecast widget plots your balance day by day and warns you on your Overview page if there's a day when you'd go below zero.

On Pro and above

The Balance Forecast widget is part of the Pro, Business and Enterprise plans.

FreeProBusinessEnterprise

1Add the widget to your Overview page 2Read the numbers and the chart 3Switch between Month end and 90 days 4Keep an eye on the lowest day and the below-zero warning 5Learn what the forecast is based on

If you've recorded regular items like rent, bills and your salary in Pumpynotes, there's no need to work out by hand how much will be left in your wallets at the end of the month. The Balance Forecast widget starts from today's balance, places your recorded income and expenses on their dates and plots the result day by day. That way you can see your tightest day before it arrives.

In five steps we cover how to add the widget, how to read its numbers and what the forecast is based on. To get a forecast you need at least one wallet of your own; adding one is covered in Add, edit and delete wallets. Since the forecast is made up largely of your regular payments, if you haven't entered them yet you may want to start with How to set up a recurring transaction.

Add the widget to your Overview page

On Overview, click Edit, then Add widget. In the Marketplace that opens, switch to the Pro tab and press the Add button on the Balance Forecast card. You can read more about adding widgets in Add and remove widgets from the Marketplace.

If you don't have a wallet of your own, the widget shows "Add a wallet to see your forecast." Clicking that line takes you to the Finance screen.

Build your Overview with widgets

Widgets you add show on your Overview. Remove any you like, and adjust their order and width in edit mode.

AllFreeProBusiness

−10

−30

−120

Upcoming Payments

Pro

The next 30 days of payments with date and amount: rent, subscriptions, installments... no surprises.

AddDeveloper: Pumpynotes

Budget Status

Pro

This month's category budgets as progress bars: what you spent, what's left, overruns in red.

AddDeveloper: Pumpynotes

Spending Heatmap

Pro

A month grid where every day is tinted by that day's spending: heavy days glow, quiet days stay flat. Hover a day for its total.

AddDeveloper: Pumpynotes

Balance Forecast

Pro

Shows, day by day, how much money you will have left at month end with your recurring income and expenses, and warns you before a day you would go below zero.

AddDeveloper: Pumpynotes

Subscriptions

Pro

Every recurring expense as one monthly number: the priciest ones, the yearly total and what renews this week.

AddDeveloper: Pumpynotes

My Holdings

Pro

Today's total value of your foreign currency wallets, the split by currency and the daily change caused by exchange rates alone.

AddDeveloper: Pumpynotes

Marketplace · Balance Forecast card on the Pro tab

Read the numbers and the chart

Two numbers sit at the top of the widget: Now shows today's total across your wallets, and the heading next to it, such as "By Nov 30", shows the total expected at the end of the period you've selected. Which wallets are counted is covered in step 5. Negative amounts appear in red.

The chart below plots your balance day by day. Hover over the line to see that day's date and estimated amount. The dot on the line marks the lowest day of the period; if your balance is negative on that day, the dot turns red. Clicking the widget takes you to the Finance screen.

Balance Forecast

Month end90 days

Now$1,845

By Nov 30$2,704

Nov 20$539

Lowest: $304 on Nov 26

Overview · Balance Forecast widget when you hover over a day on the chart

Switch between Month end and 90 days

The Month end and 90 days options to the right of the title change how far ahead the forecast looks. Month end runs to the last day of the current month, while 90 days covers the next 90 days starting today. To see payments further ahead, such as an annual insurance premium or a payment a few months away, 90 days is more useful. Your choice is remembered on that device.

Balance Forecast

Month end90 days

Now$1,845

By Feb 7$3,802

Lowest: $304 on Nov 26

90 days view · annual payments show on the chart too

Keep an eye on the lowest day and the below-zero warning

The line under the chart shows the lowest day of the period, for example "Lowest: $304 on Nov 26". It comes in handy when you're deciding whether you can bring a payment forward or which day to push a big purchase to.

Balance Forecast

Month end90 days

Now$1,845

By Nov 30$2,704

Lowest: $304 on Nov 26

The line at the bottom tells you the lowest day of the period

If your total balance is going to go from positive to negative during the period, the same line reads "You may go below zero on Nov 18." instead. The warning shows the first day the balance turns negative. If your balance is already negative today and doesn't turn positive and then go negative again during the period, no warning appears and the line keeps showing your lowest day.

Balance Forecast

Month end90 days

Now$1,180

By Nov 30$2,039

You may go below zero on Nov 18.

If your balance is going to turn negative, the line at the bottom becomes a warning

Learn what the forecast is based on

The forecast is built from what you've recorded in Pumpynotes: your recurring income and expenses and your future-dated one-off transactions. Spending you haven't entered yet, like grocery shopping, isn't included. That's why your actual balance can differ from the forecast; the more completely you enter your regular payments, the closer the forecast gets to reality.

The calculation includes the wallets you own. Asset wallets holding gold, crypto or stocks aren't counted because they aren't cash, while debt wallets are added to the total as a negative amount. Transfers between your own wallets don't change the total; transfers out of your wallets and asset purchases count as cash going out.

A future-dated one-off transaction affects your wallet balance the moment you save it. That's why the Now number already includes it, while the chart shows it on its own date. For example, if you enter a vacation expense for the 16th, the Now number drops right away and the chart shows the drop on the 16th. If the transaction's date falls outside the selected period, it doesn't appear on the chart; you can switch to 90 days to see it.

Balance Forecast

Month end90 days

Now$1,595

By Nov 30$2,454

Lowest: $54 on Nov 26

The Now number includes the future-dated expense; the chart shows the drop on its own day

Frequently asked questions

Will I get a notification for the day I'd go below zero?

Balance Forecast doesn't send a separate notification or email; you'll see the warning in the widget on your Overview page.

Is my day-to-day spending included in the forecast?

Spending you've recorded in a wallet is already part of today's balance. Spending you haven't recorded yet isn't included in the forecast, and Pumpynotes doesn't add a projection based on your average.

How are wallets in different currencies calculated?

All amounts are converted at the current rate into the currency you've chosen in the Convert option on the Finance screen. If you haven't chosen one, the default currency for your interface language is used. Items with no available rate aren't added to the total, and the widget shows how many there are at the bottom. We explain how to work with several currencies in Multi-currency budget tracking.

Is a wallet shared with me included in the forecast?

Wallets that belong to someone else and are shared with you aren't added to the total; the forecast is based on the wallets you own.

Can I use it on the Free plan?

Balance Forecast is available on Pro and higher plans. On the Free plan, the card shows an Upgrade to Pro button instead of Add, and you may also come across a blurred preview of the widget on your Overview page. You can still set up recurring transactions on every plan and follow them on the Finance screen.

#Finance#Balance Forecast#Month-end balance#Cash flow#Widget#Pumpynotes

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