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Tellwise

Care

Honest about
what a forecast is

This is money you plan your life around, so the honesty matters more than the polish. Here is the full stance.

Money information, not advice

Tellwise shows what your own transactions suggest is coming and explains it in plain language. It does not tell you what to buy, sell or invest in. It does not recommend financial products. It is not a licensed financial adviser, and using it does not create any advisory relationship. If you need guidance on a financial decision, a licensed professional is the right call.

A forecast is an estimate

Every forecast is built from your past. If your income or spending changes, the forecast has not seen that yet and the estimate will be off. We show a confidence range next to every forecast and say plainly that it can be wrong. A wider range means more uncertainty, not a broken model. We would rather show honest uncertainty than a tidy number that might mislead.

Your financial data is yours

Nothing is connected to your bank by default. If you do connect an account, it is read-only: Tellwise can read transactions to build your forecast and can never move money. Your data is encrypted at rest and in transit, we never sell it, and you can export or delete everything at any time from your settings.

The confidence range

What we show next to every forecast

Tellwise shows a shaded band around the forecast line, not just a single number. The band is the range your balance could reasonably land in, given how your spending has varied in the past. Near today it is narrow. The further out it extends, the wider it gets, because a month from now genuinely has more room to move.

If the lower edge of the band touches zero next week, that is worth noticing even if the line itself stays above it. That is the forecast telling you a slightly heavier week would tip you over.

Every forecast carries a plain-language note that it is an estimate and it can be wrong. That note is not a disclaimer we added to protect ourselves. It is the most useful thing on the screen.

What Tellwise does

Shows you what your own transaction history suggests is ahead, with an honest range and a plain explanation.

What Tellwise does not do

  • Tell you what to buy, sell or invest in
  • Give personalised financial advice
  • Guarantee a forecast will be right
  • Move money or initiate transactions
  • Sell your financial data

When to seek a professional

Tellwise is a starting point, not a substitute

A cashflow forecast is useful for day-to-day visibility. It is not a substitute for a licensed financial adviser when the stakes are high or the situation is complex. These are the moments to talk to a professional:

  • You are deciding whether to take on significant debt.
  • You are planning around a major life change: a job loss, a new child, buying a home.
  • You have a complex tax situation or business income.
  • You want advice on investing, retirement, or insurance.
  • Something in your forecast does not match what you expected and you are not sure why.

Your data

Nothing connected by default

You add transactions yourself, by paste or CSV. If you connect an account later, it is read-only. Tellwise reads to forecast and cannot move money.

Your data is encrypted at rest and in transit. We never sell it or share it for advertising. You can export or permanently delete it at any time.

Security details/Export and delete your data

Tellwise is money information, not financial advice. A forecast is an estimate and it can be wrong. Questions about privacy, data, or anything on this page go to privacy@gettellwise.com.