Understand your money
Reading the projections
It's not a crystal ball — it's your own history, extended.
Projections are available on Pro and Family plans.
How does it work?
The projection engine analyzes your history per category and determines:
- Regularity: do you spend in this category every month?
- Stability: does the amount vary little?
- Frequency: how many transactions per month?
- Trend: is it going up, down, or staying flat?
- Seasonality: are there months with spikes?
Based on this, it determines each category's predictability level and applies the most appropriate calculation strategy.
How much data does it need?
| History | Projection horizon |
|---|---|
| < 3 months | Won't project (tells you honestly) |
| 3-5 months | Up to 1 month ahead |
| 6-8 months | Up to 3 months |
| 9-11 months | Up to 6 months |
| 12+ months | Up to 12 months |
Confidence
Each projection has a confidence level:
- High (>80%): "You'll spend ~€450 on food"
- Medium (60-80%): "Probably between €380 and €520"
- Low (<60%): "Based on available data, between €300 and €600"
- Insufficient: "I can't project this category with confidence yet"
Self-correction
The engine compares each month what it projected vs what actually happened. If it detects consistent over- or under-estimation in a category, it corrects automatically. The longer you use it, the more accurate it becomes.
What's excluded?
- Transfers between your own accounts
- Credit card payments (avoids double counting)
- Recurring bills (handled by the bills module)