Forecasting

How your forecast is calculated

Cusp simulates your balance one day at a time using the financial information currently available.

Opening balance

$4,200

Income and bills

−$1,180

Projected low

$3,020

Cusp applies each known or estimated event on its expected day, then carries the balance forward.

A daily cash-flow simulation

The forecast starts with the latest balance for each included checking or savings account. It adds income and subtracts bills, transactions, and card payments on their expected dates. Each day’s ending balance becomes the next day’s opening balance.

Simple version: opening balance + income − bills and spending = ending balance. The important part is when each event happens.

Confirmed and estimated activity

Confirmed means the amount and timing were explicitly provided or supported by a stable pattern you approved. Estimated means the amount, date, or both may change.

A manually entered fixed paycheck can have a confirmed amount and an estimated date. A variable electricity bill may have both an estimated amount and date. Reviewing an estimate promotes it when you know the real information.

What Cusp cannot see

Cusp cannot include cash purchases, accounts you have not added, transactions you have not imported, or future changes you have not told it about. Its answer is only as current as the balance and activity supplied.