Looking ahead
Cash flow forecast: see a shortfall before it happens
Log spending by voice or from a receipt, keep category budgets, and Amon shows where each account is heading: the lowest balance ahead, the payment that causes it, and a warning before the money runs short.
This month: budgets and safe-to-spend
- A forecast for the rest of the month warns when your current pace will exceed the budget, and by how much.
- A daily safe-to-spend amount shows what you can spend per day and stay within the budget.
Cash flow forecast for each account
- Choose 30, 90 or 180 days. The 180-day view is marked as a scenario: the further ahead, the less certain it is.
- Each account shows today’s balance and the lowest balance ahead, with the date and the payment that causes it.
- Counted as firm: confirmed recurring payments and dated one-off transactions. Income comes only from confirmed recurring rules.
- Expected subscriptions are shown separately as an estimate, so a guess never hides inside the firm number.
- The forecast is calculated on your device and appears once you have a recurring payment or a detected subscription.
Upcoming payments
- A calendar lists the payments ahead, marking one-off and estimated ones.
- Amon spots recurring payments in your history, shows the monthly and yearly cost, and notices when a price goes up or a cancelled subscription charges again.
- A reminder can arrive within 24 hours before a recurring payment is due.
Low-balance warnings
- Once a day Amon checks whether a recurring charge in the next 7 days will take an account below zero.
- The notification names the account, the date, the payment and how much will be missing.
- Low-balance warnings can be turned off in the notification settings.
Debts with a repayment schedule
- For a credit card account, add the credit limit, interest rate, minimum payment and payment day.
- The payment plan shows how many months it takes and the total interest; try an extra monthly payment to see the difference.
- If the payment does not cover the interest, Amon tells you the debt will never end.
- A debt payment can be split into principal, interest and fee. Debt terms need a connection.
Net worth
- Net worth adds up cash, investments and other assets, minus debts.
- It lives on the Investments tab and needs a connection. One portfolio is free; more portfolios and market prices are in Pro.
Pricing · AI features · Net worth · Family budget · Voice input · Privacy
Frequently asked questions
Is the forecast free?
Yes. The month forecast, safe-to-spend, cash flow forecast, upcoming payments, low-balance warnings, debts with a payment plan and net worth are all part of the free Core.
Where does the forecast get its numbers?
From your own records: account balances, confirmed recurring payments and dated one-off transactions. Amon has no bank connection; expected subscriptions are shown separately as an estimate.
Why do I not see the cash flow forecast?
It appears once you have at least one active recurring payment or a detected subscription. Add your rent, salary or subscriptions as recurring payments.
Does the forecast work offline?
The forecast is calculated on your device from data already saved there. Low-balance notifications, debt terms and net worth need a connection.