Financial forecast

See where your current behaviour leads.

A budget tells you where you stood last month. A forecast tells you where you are heading next. TrackAm projects your runway, goal arrival, and debt pressure against your real spending patterns — and Stingy AI narrates the observations and risks that matter.

Insights screen with behavioural patterns visible

Observation

"At your current spending rhythm, runway clears 8 days short of next pay."

Risk

"Subscriptions quietly remove 11% of monthly inflow. They are stable but they compound."

Path

"Cutting your top discretionary category by 20% returns your goal to its original deadline."

A horizon you can adjust

Switch between 3, 6, and 12-month horizons. See projected balance over time, when each active goal will land, when debts settle, and how recurring obligations stack against incoming pay.

  • Projected balance line with key inflection points marked.
  • Goal arrival vs deadline, with a delta in months.
  • Debt payoff timing under your current behaviour.
  • Annual cost of recurring commitments — quietly visible.

Scenarios you can play with

Drag the scenario sliders — cut a category by a percentage, pause some subscriptions, reduce family-support contributions — and watch the forecast respond live. Then ask Stingy AI to re-read its narrative against the new numbers.

The math is deterministic. The story is honest.

The numbers come from a transparent calculation — weighted moving averages, runway math, payoff schedules. Stingy AI does not invent figures. It only narrates what the envelope of your behaviour reveals.

Next feature

Sacrifice simulation

Test a single behaviour change and see exactly how your future reshapes.

Continue

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See every feature

Browse the full set of behavioural-finance modules inside TrackAm.

Ready to try it?

Behavioural intelligence in your pocket.

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