Personal Finance Forecasting

Your balance says $2,400.
But in 8 days?

Findurance maps every bill, every paycheck, and every subscription onto a timeline — so you see what's coming before it hits. No more overdraft surprises. No more guessing between paychecks.

$2,412.00
Today's Balance
30-Day Forecast · Checking Feb 13 – Mar 15
$0 Today Feb 21 Mar 15 -$214
Balance goes negative on Feb 21
Adjust before rent + car payment hit
Feb 14
Paycheck — Direct Deposit
+$2,412.00
Balance: $2,412.00
Feb 17
Netflix + Spotify + iCloud
−$38.96
Balance: $2,373.04
Feb 19
Rent
−$1,850.00
Balance: $523.04
Feb 21
Car Payment + Insurance
−$737.50
Balance: −$214.46 ⚠
Feb 28
Paycheck — Direct Deposit
+$2,412.00
Balance: $2,197.54

Your banking app shows today.
Findurance shows tomorrow.

That $2,400 balance looks fine right now. But after rent, car payment, and subscriptions all hit this week? You're $214 in the hole — and your bank won't warn you until it's too late.

Findurance lays out every dollar flowing in and out on a timeline, so you can see the crunch coming and adjust — move a payment, shift some money, or just be ready.

Built for people who think ahead

Every feature in Findurance is designed to show you what's coming — not just what already happened.

Balance Forecasting

See your projected balances 30 days, 6 months, or a full year ahead. Know exactly when cash gets tight and when it recovers.

Negative Balance Alerts

Findurance flags the exact date your balance goes negative — days or weeks before it happens — so you can adjust in time.

Payment Tracking

See pending payments in each pay cycle — auto-pay items are tracked automatically, and you mark manual payments as initiated.

Reconciliation

Confirm payments are cleared so forecasts stay accurate. Missed reconciliation? Get an alert before it becomes a late fee.

Debt Payoff Planner

Track balances, APR, monthly interest, utilization, and Cashflow Index for every debt. Three strategies to map your path to debt freedom.

Multi-Account Support

Separate checking accounts for bills, spending, and emergencies. Savings for your fund. Each with its own forecast, budget items, and purpose.

Every account. Every bill.
One clear forecast.

Connect all your accounts and Findurance maps every recurring payment, subscription, and paycheck onto a unified timeline. You get a single view of where your money is headed.

  • Daily, weekly, biweekly, semimonthly, monthly, quarterly, and annual recurrence patterns
  • Custom semimonthly dates — for those bills that hit the 5th and the 20th
  • What-if scenario testing — see how changes affect your future before committing
  • One-time expenses for planned purchases — vacation, car repair, holiday gifts
Chase Sapphire
Credit Card · Debt Tracking
−$4,280.00
APR
24.49%
Mo. Payment
$125.00
Est. Interest
$87.38/mo
Credit Limit
$12,000
Utilization
35.7%
$680 over 30% target
Cashflow Index
34.2
Closing Date
Mar 4
Pay Before Close
19 days
Maturity
Revolving

Pick your path to debt freedom

Three proven strategies, each with a clear timeline showing exactly when you'll be debt-free. Compare them side by side and choose what fits your life.

⛰️

Avalanche

Highest Interest First

Attack the debt with the highest interest rate first. You'll pay the least in total interest — mathematically optimal for saving money.

Example savings
$2,847 less interest
📈

Cashflow Index

Balance ÷ Payment

Optimize for freeing up monthly cash flow fastest. Pay off debts with the lowest balance-to-payment ratio first to unlock more breathing room.

Cash flow freed in
$340/mo by month 4

Track what's paid, what's pending, and what's overdue

Reconciliation keeps your forecast accurate. When a payment clears, mark it — so Findurance knows to exclude it from future balance calculations. Miss one? You'll get an alert before it becomes a late fee.

Automatic Reconciliation

Connected to your bank via Plaid, payments are reconciled automatically as they clear. Zero effort, always accurate.

Free

Manual Reconciliation

Mark payments as cleared yourself. Quick and simple — and you still get alerts if something hasn't been reconciled on time.

This Pay Cycle · Feb 14 – 28
4 payments · 1 needs attention
Netflix
Auto-pay · Cleared Feb 17
$15.99
Cleared
Rent
Auto-pay · Scheduled Feb 19
$1,850.00
Auto-pay
Car Payment
Manual · Payment initiated Feb 20
$487.50
Initiated
Car Insurance
Due Feb 21 · Not reconciled
$250.00
Needs Attention

Up and running in minutes

No bank connection required to start. Add your accounts and bills, and Findurance does the rest.

1

Add Your Accounts

Checking, savings, credit cards, loans — add as many as you need. Enter current balances to start.

2

Set Up Your Bills

Add recurring income and expenses with their amounts, dates, and recurrence patterns. Findurance handles the rest.

3

See Your Future

Your forecast updates instantly. See projected balances, negative balance warnings, and your complete financial timeline.

4

Stay on Track

Reconcile payments as they clear, track pending bills, and get alerts when something needs your attention.

Stop wondering. Start knowing.

Findurance is currently in development. Join the early access list to be the first to try it — and help shape what it becomes.

Free to join. No spam. Just updates when we're ready for you.