Overdraft around Aug 14
On current patterns your balance goes below zero around Aug 14 and bottoms near -$107 on Aug 17. Moving money in before then, or pushing a bill later, avoids the fee.
-$107Aug 14
Cashflow forecasting for people
See your money coming.
Tellwise reads your transactions, learns your patterns, and forecasts the weeks ahead, so you see a tight week or an overdraft before it arrives, in plain language.
A two-week forecast free. No card, no bank connection. Money information, not financial advice.
checking · forecast
6 weeks ahead
$1,950
balance today
-$107
projected low
The problem
Surprises break budgets
A tight week is only a surprise if nobody looked. The money is fine over the month; it is the Tuesday between rent and payday that stings, and the subscriptions that climb while you are not watching.
- $33B
- paid by US consumers in overdraft and NSF fees in a single year
- 60%
- of people underestimate what they spend on subscriptions each month
- $500+
- the average person wastes a year on subscriptions they forgot about
Illustrative figures used to describe the problem Tellwise is built for, drawn from commonly cited industry and regulator estimates, not results from a survey we ran.
How it works
Three steps, a few seconds
01
Add your transactions
Paste a list, upload a CSV from your bank, or start with sample data. Add your current balance and you have a forecast in seconds. Nothing is connected to your bank by default, and nothing here can move money.
Tellwise reads the dozen ways banks format a CSV, including dollar signs, thousands separators, and parenthesised or trailing-DR debits.
02
Tellwise learns your patterns
A predictive model finds which charges recur and when, works out your everyday spending and how much it wobbles, and projects your balance forward day by day, with a confidence range that widens the further out it looks.
The numbers are computed in code you could check. A language model only writes the plain-language read around them; it is never handed a figure to invent.
03
Get warned before a tight week
The weeks ahead come back as a clean forecast, with the tight weeks and overdrafts marked on the line, the subscriptions that are creeping up, and the charges that were off your normal pattern, each explained in plain language.
A warning carries the day it lands and what you could do about it, days ahead, while there is still time to move a payment or hold off on something large.
See your forecast
A real forecast, on a real history
This is a freelancer with variable income. Toggle the layers. Nothing here is a mockup: it is the product, computed in your browser from the sample below.
Freelancer, checking account
128 transactions · 6 week forecast
$1,950
Balance today
-$107
Low · Aug 17
$1,758
Bills / mo
Layers
HistoryForecastConfidence rangeWarning
The read
Over the next 6 weeks Tellwise projects your balance to move from $1,950 down to about $1,004. The part to watch is around Aug 17, when the balance is projected to reach -$107. Your recurring bills run about $1,758 a month, and 2 subscriptions are creeping up. This is an estimate from your own history and it can be wrong.
High
Netflix
$10$15/ month · $15/mo
Netflix has risen from $10 to $15 a month. That is $60 more a year if it stays.
Next around Aug 26
Google Storage
$3$4/ month · $4/mo
Google Storage has risen from $3 to $4 a month. That is $12 more a year if it stays.
Next around Aug 23
City Dental Care
$940 at City Dental Care on Jul 12 was about 24x your typical one-off charge. Worth a look in case it was a mistake or a one-time thing you can plan around.
$940Jul 12
What you get
Everything points at the weeks ahead
A cashflow forecast for the weeks ahead
A clean projected-balance line with a confidence range that widens the further out it looks. Not a summary of last month. The weeks that have not happened yet.
Tight-week and overdraft warnings
The day it lands, days ahead, while there is still time to move a payment or hold off on something large.
Tight week · Aug 17 · dips to about -$107 before your next invoice clears
Subscription-creep detection
When a recurring charge quietly rises, Tellwise flags it and tells you what it costs a year if it stays.
- Was
- $9.99/mo
- Now
- $15.99/mo
Off-pattern spending flags
A charge well outside your normal range gets surfaced, in case it was a mistake or a one-off worth planning around.
Plus and Pro
Plain-language explanations
Every warning and flag comes with a sentence a person can act on, grounded in the numbers, never jargon.
Model-agnostic explanations
The forecast is computed in code. A language model writes the read, and Tellwise is not tied to one lab.
How the AI worksBuilt AI-native
Two models, and we are honest about both
Learning one person’s spending patterns and forecasting them is a genuine machine-learning task, so Tellwise is two AI systems working together. A predictive model over your transaction history produces the forecast, the confidence range, the warnings and the anomalies, all computed in code you could check.
Then a language model explains it: it turns those numbers into a plain-language read and names each warning. It is never handed a figure to invent. On the language side Tellwise is model-agnostic by design, so a lab changing price, policy or quality is a configuration change here, not a rebuild.
Language routing, generated from the code
- Explain the forecast and name the warnings in plain languagegpt-4.1-mini/balanced
- Write the one-line read at the top of the forecastgpt-4.1-mini/balanced
The predictive model runs in code, so it is not in this table. Candidate language models from other labs are declared behind the same interface and switch on when their key is present. The fallback chain is on the How the AI works page.
Where we stand
Honest about what a forecast is
This is money you are planning around, so the honesty matters more than the polish. The full stance is on the Care page.
Money information, not advice
Tellwise shows what your own transactions suggest is coming and explains it. It does not tell you what to buy, sell or invest in, and it is not a substitute for a licensed advisor.
A forecast is an estimate
It is built from your past, so it can be wrong, especially when something changes. We show a confidence range, and we say plainly next to every forecast that it can be wrong.
Your financial data is yours
Nothing is connected to your bank by default, and where it is, it is read-only. Your data is encrypted, and you can export or delete it at any time.
Customers
What it saw coming
“My income lands whenever clients pay, so I could never tell if a slow week was a problem or nothing. Tellwise showed me the balance dipping to almost nothing the week before an invoice cleared, four days out. I moved a payment and skipped the fee.”
“I did not think I spent much on subscriptions. Tellwise found six, two of them creeping up, and told me it was $460 a year more than a year ago. I cancelled two in about a minute. It pays for itself many times over.”
Illustrative customer stories, written to show what Tellwise catches. They are composites, not quotes from named customers.
Pricing
A two-week forecast, free
Prices are in US dollars and that is the only price list there is. No setup fee, no minimum term, cancel from the dashboard.
MonthlyAnnual
Switch to annual and two months are free.
Free
A two-week forecast on the transactions you add. Enough to find out whether next week is tight.
$0forever
No card required
Two-week forecast
- A two-week cashflow forecast
- Projected balance with a confidence range
- Paste transactions, upload a CSV, or use sample data
- Plain-language read of the two weeks ahead
Plus
For anyone who wants to see problems coming. A six-week forecast, tight-week and overdraft warnings, and the subscriptions creeping up on you.
$8per month, USD
$96 a year, or $80 on annual
Start on Plus
Card payments are not switched on in this deployment yet, so this joins the list and we email you the moment it is.
Six-week forecast, warnings, detection
- Everything in Free
- A six-week forecast, updated as you add transactions
- Tight-week and overdraft warnings before the date
- Subscription-creep detection when a recurring charge rises
- Off-pattern spending flags
- A plain-language explanation for every warning and flag
Pro
For freelancers and variable income. A twelve-week forecast across multiple accounts, deeper pattern detection, and export.
$16per month, USD
$192 a year, or $160 on annual
Start on Pro
Card payments are not switched on in this deployment yet, so this joins the list and we email you the moment it is.
Twelve-week forecast, multiple accounts, export
- Everything in Plus
- A twelve-week forecast
- Multiple accounts in one combined view
- Deeper forecasting on irregular and seasonal income
- Export your forecast and transactions as CSV
- Priority support with a same-day first reply
See next week before it arrives
A two-week forecast, free, with a projected balance and a plain-language read. No card, no bank connection.