Cashflow Monitor tracks your real-time daily spend rate against your income and projected recurring obligations. When the math points to a negative end-of-month balance, you get the warning while you can still adjust - not after the overdraft.
Projected end-of-month balance: about $340 below your usual buffer. 11 days left, with $920 in expected recurring charges still pending. Worth reviewing discretionary categories before payday.
"I make enough" and "I have enough this month" are different questions. The first is annual; the second depends on timing. Rent posts on the 1st, two paychecks land on the 15th and 30th, three big subscriptions hit on the 5th, and the month has 31 days instead of 28. Without continuous projection, you find out you're short on day 27 - when there's nothing left to cut.
The agent projects your end-of-month balance daily using three inputs: actual transactions year-to-date this month, your detected recurring obligations still due before month-end, and your typical discretionary spend rate from the last 90 days. If projected end-of-month is below a configurable buffer (default $200), it nudges with the days remaining, the projected shortfall, and the recurring items that haven't hit yet.
It's the 19th. You've spent $2,140 in discretionary this month. Three recurring charges totaling $920 still need to post before payday. Your projected daily run-rate puts the end-of-month balance at -$340. The agent surfaces the projection and lists the three recurring items so you can see which ones are flexible.
Included with Plus ($4.99/mo) and Pro. Connect your bank read-only via Plaid; the agent starts watching from the first sync.
Try FinNudge free →No credit card · 5 minutes to connectDefault is $200. You can adjust this in settings - some users keep $50, some keep $2,000. The threshold is what triggers the nudge; the projection itself is always computed.
Once you mark a transaction as planned (split / amortize / category override), it stops counting as a discretionary anomaly. The projection re-runs on the next sync.