Balance Forecast

Project your end-of-month balance (and act before it happens)

August 20, 2026

You open your banking app, see 1,400 in your account, and relax. The problem is that number only tells you how much you have today, not how much you’ll have on the 28th, once rent, the electricity bill, and the gym membership have all gone out. Looking only at today’s balance is like driving while staring at the rearview mirror: it tells you where you’ve been, not what’s ahead.

The tip: project, don’t just look

The idea is simple and doesn’t need any complicated tool: instead of asking “how much do I have?”, ask “how much will I have on the last day of the month?” To answer that, you only need two lists you already know by heart:

Why you quit every budgeting app (and it's not your fault)

July 23, 2026

You know the ritual. One day (often in January, or after a particularly bad month) you install a budgeting app. You give it a whole evening: you create categories, set limits, log the first expenses with enthusiasm. “This month, for real.”

Three weeks later, the app has twelve uncategorised expenses, the “Leisure” budget has been blown since the 9th, and you have stopped opening it. Until next January.

If this has happened to you more than once, here is some good news: the problem is not you.