See where you'll land
Most budgeting apps tell you where your money went. Bickie's new Forecast page tells you where it's going — any account, any date.
Most money apps are very good at the past. They'll show you, in confident colour, exactly where last month went. That's useful once. What you actually lie awake wondering is the other direction: will there be enough in the account on the 3rd, when the insurance and the rego both come out?
That's the question Bickie's new Forecast page answers.
A running balance, forward
Pick an account and Bickie draws its balance forward from today as a single line. Not a monthly average — the actual day-by-day path, with every payday bump and every bill dip in the right place. Slide to any date and it reads out the balance and shows you the handful of things that moved it to get there.
Choose All liquid accounts to see your everyday cash as one pool, or pick a single account when you want to know about that one specifically. Your home loan shows up too, its balance falling over time as repayments and offset do their work.
It knows the details that matter
A forecast is only as honest as its inputs, so this one uses the same details the rest of Bickie already tracks:
- Pay that lands on a business day, not a Saturday, because that's how it really arrives.
- A recurring amount that's been adjusted — parental leave at 60%, a rent increase from July — counted at the adjusted figure, not the old one.
- One-off things you've already scheduled.
Your surplus, where you actually send it
If you use the cashflow waterfall to decide where your monthly surplus goes, you can now point each rule at a real account. Bickie then moves the money along your rules each pay cycle in the forecast — $500 to savings, a share to the offset, the rest wherever you like — so your savings and offset climb the way they will in real life. Assign more than you actually have and it simply stops at what's there; nothing goes negative.
What if?
Real life has forks in it. So you can save named scenarios — "if I get the raise", "if we book the trip" — as what-if entries layered on top of the real projection. Flip between them and watch the line move. Nothing you add here touches your actual data until you decide to make it real.
Forecast is on paid plans now, under Plan → Forecast. Go and find out where you'll land.