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
Product
See your money coming, before it happens.
Tellwise reads your transactions, learns your spending patterns and forecasts your cashflow for the weeks ahead, so you see a tight week or an overdraft before it arrives, in plain language.
Tellwise is cashflow forecasting for individuals and freelancers. Add your transactions and Tellwise learns your patterns, projects your balance for the weeks ahead with an honest confidence range, and warns you before a tight week or an overdraft. It watches for subscriptions creeping up and flags spending that is off your normal pattern, and it explains all of it in plain language. Learning an individual's patterns and forecasting them is a genuine machine-learning task, so Tellwise pairs a predictive model over your transaction history with a language model that explains the forecast and names the risks. It is money information, not financial advice.
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
01
A cashflow forecast with an honest confidence range
Tellwise projects your balance forward day by day from your transaction history. The line shows the expected path; the band around it widens the further out it looks, because the further out you look the less certain any projection is.
Free gives you two weeks. Plus extends to six weeks. Pro reaches twelve and handles multiple accounts in one combined view.
Balance projection, 6 weeks
Today
$3,210Week 2$2,640 – $3,320
$2,980Week 4$2,100 – $3,180
$2,640Week 6$2,040 – $3,640
$2,840Range widens week by week. Tighter with more history.
02
Tight-week and overdraft warnings before the date
When the forecast line is about to dip below zero, or a week is going to be tight before a payment clears, Tellwise marks the date on the chart and names it in plain language. Days ahead, while there is still time to act.
Warnings are Plus and Pro. On Free you see the forecast line. On Plus and Pro you see what it is about to do, in enough time to do something about it.
Tight week
Aug 17
Dips to about –$107 before your next invoice clears on Aug 19. Move a payment or hold off on anything large before then.
5 days ahead
03
Subscription-creep detection
When a recurring charge rises quietly, Tellwise flags it: the old amount, the new amount, and the annualised difference if it stays. Most subscription price changes arrive in the small print of an email most people never open.
A flag is information, not a judgement. Telling you a price rose is Tellwise's job. Deciding what to do about it is yours.
Subscription creep detected
Adobe Creative Cloud
Was paying$54.99/mo
Now charged$89.99/mo
Extra per year+$420/yr
04
Off-pattern spending flags
A charge well outside your normal range for a merchant gets surfaced, in case it was a mistake, a duplicate, or a one-off worth planning around. The threshold is learned from your history, not set by hand.
A large charge that is normal for you is never flagged. A small charge from a merchant you have never used before is.
Off pattern, today
Amazon Marketplace
–$387.40
Your Amazon charges typically run $18 to $45. This is 9x your usual range. Worth checking before the return window closes.
Not a warning. A flag to check.
The explanations
Plain language, grounded in numbers
One sentence per warning, written to act on
Warnings and flags do not arrive as codes or percentages. Each one gets a sentence grounded in the computed numbers, written for a person who has a few seconds, not a data analyst who has an afternoon.
"Your balance will dip below zero on Aug 17, three days before your next payment arrives. If that payment is even a day late you will be overdrawn."
The forecast is in code. The read is a language model.
Tellwise pairs a predictive model that computes every number with a language model that writes the plain-language read. The language model is never handed a figure to invent, and Tellwise is not tied to one AI lab.
How the AI worksWhere we stand
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, and it is not a substitute for a licensed advisor.
A forecast is an estimate built from your past, and it can be wrong, especially when something changes. We say so plainly next to every forecast. The full stance is on the Care page.
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 say so plainly.
Read-only by design
Nothing is connected to your bank without your action, and where it is connected it is read-only. Tellwise can never initiate or move a payment.
Yours to export
Your transactions and forecasts belong to you. Export them as CSV or delete everything from Settings at any time.
Try it free. No card required.
Add your transactions and see your two-week forecast, the projected balance, and a plain-language read of the weeks ahead. Free, and it takes about a minute.