🔮 Forecast & Planning
Spending predictions, goal projections, and financial planning tools.
How Forecasts Work
Forecasts are based on your historical spending patterns from the last 3 months, including recurring transactions. The AI analyzes trends and provides projections.
On this page
get_spending_forecast
SafeGet a spending forecast for the current month. Shows projected total based on historical average, current spending trend, and breakdown by top categories. Includes recurring expenses analysis.
Parameters
| Parameter | Type | Description |
|---|---|---|
| currency? | string | Currency to forecast. Default: user's default currency |
Response Data
| Field | Description |
|---|---|
| currentMonthSpent | Amount already spent this month |
| projectedMonthTotal | Projected total by end of month |
| averageMonthlySpending | 3-month historical average |
| trend | "under" | "on_track" | "over" compared to average |
| trendPercent | Percentage above/below average |
| dailyAverage | Average daily spending |
| recurringExpenses | Monthly recurring total |
| byCategory | Top 10 categories with spending |
Examples
User
"Spending forecast"
AI
📊 Spending forecast for January 2026
Spent: $45,000 (20 days)
Month projection: $68,000
Average spending: $65,000/mo
📈 Trend: slightly above average (+5%)
💰 Days remaining: 11
📅 Recommended per day: $1,800
Top categories:
• Food: $15,000 (33%)
• Transport: $8,000 (18%)
• Entertainment: $6,000 (13%)
🔄 Recurring payments: $3,500/mo
Spent: $45,000 (20 days)
Month projection: $68,000
Average spending: $65,000/mo
📈 Trend: slightly above average (+5%)
💰 Days remaining: 11
📅 Recommended per day: $1,800
Top categories:
• Food: $15,000 (33%)
• Transport: $8,000 (18%)
• Entertainment: $6,000 (13%)
🔄 Recurring payments: $3,500/mo
User
"How much will I spend by end of month?"
User
"Forecast in euros"
get_goal_projection
SafeProject when a savings goal will be reached based on your current savings rate. Can also calculate how much you need to save monthly to reach a goal by a specific date.
Parameters
| Parameter | Type | Description |
|---|---|---|
| goal? | string | Goal name. Uses first active goal if not specified |
| target_date? | string | Calculate required monthly savings to reach goal by this date |
Response Data
| Field | Description |
|---|---|
| goalName | Name of the goal |
| targetAmount | Target amount to save |
| currentAmount | Currently saved amount |
| remainingAmount | Amount left to save |
| progressPercent | Current progress percentage |
| averageMonthlySavings | Your historical monthly savings rate |
| projectedCompletionDate | Estimated date when goal will be reached |
| monthsToComplete | Estimated months to complete |
| requiredMonthlySavings | How much to save monthly (if target_date specified) |
Examples
User
"When will I save enough for vacation?"
AI
🎯 Projection for goal "Vacation"
Goal: $100,000
Saved: $45,000 (45%)
Remaining: $55,000
📈 Your savings: ~$15,000/mo
📅 Projected completion: April 2026
⏱️ Remaining: ~4 months
💡 To reach by March, save $18,300/mo
Goal: $100,000
Saved: $45,000 (45%)
Remaining: $55,000
📈 Your savings: ~$15,000/mo
📅 Projected completion: April 2026
⏱️ Remaining: ~4 months
💡 To reach by March, save $18,300/mo
User
"How much to save for a car to reach the goal by December?"
AI
🎯 Calculation for goal "Car"
Goal: $500,000
Saved: $150,000 (30%)
Remaining: $350,000
📅 Target date: December 2026
⏱️ Months remaining: 11
💰 Need to save: $31,800/mo
⚠️ This may be challenging at your current savings rate ($15,000/mo)
Goal: $500,000
Saved: $150,000 (30%)
Remaining: $350,000
📅 Target date: December 2026
⏱️ Months remaining: 11
💰 Need to save: $31,800/mo
⚠️ This may be challenging at your current savings rate ($15,000/mo)
User
"Projection for all goals"