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What cash is actually available?
The number in your banking app is today’s balance. Some of that money already has a job: a bill due before the next deposit, a transfer you plan to make, or a paycheck that has not arrived yet.
BalanceWhiz does not calculate a safe-to-spend amount. It shows your future checking balance, the cash movements already on the calendar, and the minimum balance you choose to keep, so you can decide what you are comfortable spending or moving.
Start with today’s balance
BalanceWhiz starts from the checking balance you enter. That figure is real, and it is also a point in time. Anything dated after today changes what will be there later.
Account for money already spoken for
Put upcoming income, bills, and transfers on the forecast before you decide what is free. A healthy balance can already be committed to the mortgage, a card payment, or a planned move to savings.
If that money is scheduled to leave, it is not available for something new.
Keep the cushion you want
You may want checking to stay above a balance that feels safe. That might cover a surprise, or simply keep a normal week from feeling tight.
Set that amount as the minimum balance you want to maintain. BalanceWhiz flags future days when the forecast falls below it, so you can see the low-balance period. It does not tell you what to do about that period, and it does not mean today’s balance is free to spend.
See what can leave
After the upcoming payments and the cushion you want to keep, the forecast shows how much room is left before your balance reaches that minimum. That room is yours to judge. BalanceWhiz does not turn it into a required spending limit.
Checking shows $4,200. Rent and a car payment, $2,400 together, come out before the next paycheck. You want to keep $1,000. After accounting for those upcoming payments and the $1,000 cushion you want to maintain, the forecast shows roughly $800 of room before reaching that cushion.
You can still move more. The forecast shows the date checking would get tight, so the timing is part of the decision.
Bills that change this number, including ones that are not the same every month, are covered in Forecasting recurring and irregular expenses. The longer path of the balance is on Look further ahead.