Inside Cusp
One forecast. Every answer in context.
Cusp brings your balances, recurring activity, card timing, and decisions into one forward-looking system—then shows the work behind it.
CLEAR
You're on track for the next 30 days.
Lowest projected balance: $1,840 · Aug 12
Based on balances updated Jul 24
Today's opening balance
$2,740
Before today's scheduled activity.
Safe to Spend
$1,340
Safe today through Aug 23.
Safety buffer
Intact
$500 protected
Adjust →Next important event
Harbor View Rent
Aug 4 · −$1,650
Import a CSV
Automatic detection with review before save.
Enter it manually
Start with balances, income, and known bills.
Connect an account
Not available in the current beta.
01 · Bring in your numbers
Start manually or with a connection-free import.
Use the information you already have. Manual setup and CSV import are available now; connected accounts belong to a later phase and are clearly labelled as future.
- Manual entry
- CSV import
- Bank connection · future
What Cusp found
Transactions
Spending
Money in
Jan 16 – Jul 22 · 1 row needs attention
02 · What Cusp found
Check the file before anything is saved.
Cusp summarizes the transaction count, date range, money in, spending, and rows that need attention so the user can quickly tell whether the import looks right.
- Date-range check
- Direction counts
- Missing-row explanations
Needs review
This pattern may match something already in your forecast.
From this CSV
Harbor View Rent −$1,650
Already in Cusp
Monthly rent −$1,650
The amount and monthly cadence closely match.
03 · CSV reconciliation
Resolve overlap instead of silently duplicating it.
When an imported pattern resembles something already in the forecast, Cusp puts the two pieces of evidence side by side and asks whether to replace the existing item, keep it, or retain both.
- From CSV versus already in Cusp
- Replace · Keep · Both
- No silent overwrite
Your transactions are ready
The CSV pattern replaced your previous rent estimate. Other reviewed patterns were left unchanged.
Only the affected replacement is restored.
04 · Reconciliation undo
Reverse an individual replacement without rolling back the import.
Cusp keeps the replacement relationship long enough to restore the previous recurring item and remove its replacement. The rest of the imported activity stays intact.
- Granular replacement undo
- Previous item restored
- Other imports remain intact
Income pattern
How does money usually come in?
This changes how Cusp asks about upcoming income.
05 · Income pattern
Describe how income really arrives.
Regular paycheck, variable income, or a mix of both is a dedicated setup decision. It keeps Cusp useful for salaried, freelance, gig, and mixed-income households without pretending every deposit follows one cadence.
- Regular paycheck
- Variable or irregular
- A mix of both
Accounts
Keep liquid balances current.
Everyday checking
Checking · CSV import
142 transactions
$2,740.00
Balance as of Jul 24, 2026
Amex
Credit card · CSV import
38 transactions
$720.00 owed
Balance as of Jul 24, 2026
Payment due day 18 · estimate improves with card activity
06 · Accounts
See what you own and what you owe.
Checking, savings, and credit-card accounts stay separate, each with its own balance and freshness date. That distinction is what lets Cusp model cash and liabilities honestly.
- Cash accounts
- Credit-card balances
- Balance as-of dates
Recent activity
Showing 3 transactions on this page.
Market Basket
Aug 10, 2026
Corner Bakery invoice
Aug 10, 2026
Amex payment
Aug 10, 2026
Categories organise activity and support spending context. They do not create a budget, spending limit, or envelope.
07 · Categorisation
Give activity useful context without turning it into a budget.
Cusp reads direction first, then focused description signals. Unclear spending stays Other; unclear money in stays Income — needs review. Categories organize the record rather than imposing limits.
- Separate money-in and money-out lists
- Focused keyword suggestions
- Honest fallbacks
Corner Bakery invoice
Aug 10, 2026 · needs review
Account: Everyday checking · Source: Manual
08 · Inline correction
Correct a transaction where the mistake appears.
Users can change the type or category without leaving Activity. The correction is scoped to the same normalized description and direction, avoiding unsafe merchant-wide rules.
- Edit in place
- Direction-aware choices
- Scoped correction memory
Transfers between your accounts
A transfer moves money but is not new income or new spending.
Likely transfer · Aug 18
Card payment ↔ Payment received
Same amount on adjacent days. Is this money moving between your own accounts?
09 · Transfer linking
Move money without counting it twice.
Matching entries across accounts become a possible transfer, not automatic income and spending. Cusp shows the evidence and keeps confirmation, rejection, and undo available.
- Cross-account matching
- Evidence before confirmation
- Reversible decisions
Recurring
3 active · found from your CSV
Harbor View Rent
ConfirmedMonthly · Bill
Northstar Payroll
ConfirmedBiweekly · Income
City Power
EstimatedMonthly · Bill
Detected automatically. Pause anything that shouldn't count.
10 · Recurring patterns
Turn history into the activity coming next.
Recurring income and bills stay editable. Stable reviewed patterns can be confirmed, while variable amounts retain their evidence and remain estimated.
- Confirmed and estimated labels
- Calendar-aware cadence
- List and calendar management
CLEAR
You're on track for the next 30 days.
Lowest projected balance: $1,840 · Aug 12
Based on balances updated Jul 24
Today's opening balance
$2,740
Before today's scheduled activity.
Safe to Spend
$1,340
Safe today through Aug 23.
Safety buffer
Intact
$500 protected
Adjust →Next important event
Harbor View Rent
Aug 4 · −$1,650
Cash-flow runway
The moments shaping your next 30 days
11 · Forecast briefing
Start with the few moments that matter today.
The Dashboard gives a concise forward-looking briefing: where things stand, the next important event, the projected low, and the runway toward recovery.
- Opening balance
- Next important event
- Cash-flow runway
Safe to Spend
$1,030
Available today while protecting your plan through Sep 8.
12 · Safe to Spend
Know what is genuinely spare—not just what is in the account.
Safe to Spend starts from the lowest projected balance in the selected forecast window and subtracts the protected safety buffer.
- Lowest-balance based
- Buffer protected
- Expandable calculation
Safety buffer
$500 protected
Your personal floor, not a budget.
13 · Safety buffer
Protect a personal floor without creating a budget.
The safety buffer is a cushion the user chooses. Cusp shows whether it remains intact, is partly consumed, or is breached—and handles an intentional $0 separately from an unfinished setup.
- User-defined cushion
- Three buffer outcomes
- Explicit configured-at-$0 state
The state system
CLEAR
On track for the next 30 days.
WATCH
A low point on Aug 6 is worth a look.
TIGHT
Your buffer breaks on Aug 12 unless something changes.
UPDATE NEEDED
Refresh an older balance before relying on the forecast.
14 · State system
Read the forecast condition before reading every number.
Clear, Watch, Tight, and Update Needed use the same meanings across the Dashboard, Forecast, and Scenario Planner.
- Clear
- Watch
- Tight · Update Needed
Cash Flow Forecast
Projected through Aug 30
Show your work
⌄Safe to Spend uses the lowest balance in your 30-day forecast, then protects your safety buffer.
Included events
7
Confirmed
1
Estimated
Learn why15 · Forecast workspace
Inspect 30, 60, or 90 days from three angles.
Use the projected chart for shape, Step by Step for daily movement, and Low Point for the event sequence behind the tightest moment. Show Your Work keeps the arithmetic visible.
- 30, 60, and 90 days
- Forecast · Step by Step · Low Point
- Show Your Work
Forecast track record
Compares earlier forecasts with later actual balances. Days without enough refreshed account data are not scored.
12
Evaluated days
$86
Typical absolute error
Latest evaluation: projected $2,740 and observed $2,690 on Aug 10.
16 · Forecast track record
Compare earlier projections with later actual balances.
Cusp measures only dates where a prior forecast exists and every active account has a refreshed balance observation. It reports the number of evaluated days and the typical absolute error rather than claiming accuracy without evidence.
- Eligible days only
- Typical absolute error
- Latest projected versus observed
Why does my forecast look wrong?
Start with the current balance
Refresh an older anchor and date.
Look for missing activity
Check paused patterns, cash spending, and unimported accounts.
Check transfers and card payments
Review an unmatched pair before treating it as spending or income.
Review the assumptions
Open confirmed, estimated, and freshness evidence.
17 · Forecast troubleshooting
Explain a surprising forecast before asking for trust.
The troubleshooting flow checks stale balances, missing activity, paused or unconfirmed patterns, estimates, transfers, and card-payment matching—the common reasons an otherwise-correct calculation can look wrong.
- Freshness
- Missing activity
- Assumptions and matching
What are you considering?
Your safety buffer
$500 protected
Private what-if · Aug 15
New laptop · −$1,250
Your answer
This purchase leaves little room above your buffer.
$680Purchase impact
−$850Room remaining
$180
18 · Scenario Planner
Test a decision without changing the real forecast.
Choose a purchase, amount, and date; compare it with the baseline; and see the low point, remaining room, and a clearer date when one exists.
- Private what-if
- Baseline comparison
- Clearer-date search
Credit card cash timing
Full statement balance · due Aug 18 from Everyday checking.
Credit card purchases explain what you spent. The card payment is when cash actually leaves your account.
Learn why19 · Credit-card cash timing
Separate when spending happens from when cash leaves.
Card purchases explain the spending. The statement cycle gathers those charges, and one estimated payment event shows when cash is expected to leave checking.
- Purchases on the card
- Statement-cycle timing
- Estimated checking payment
See what your money does next.
Build a forecast manually or from a CSV, then review every event before it becomes part of your plan.