Forecents

Forecents connects your bank accounts (read-only, through Plaid) and builds one honest, live picture of your money: every balance, every detected bill and paycheck, every debt — then projects it forward so you can see where you'll stand weeks from now, not just where you've been.

Instead of only categorizing what you already spent, Forecents answers forward-looking questions: What's actually safe to spend before the next paycheck? When will this debt be gone? And its What-if panel models real scenarios against your real numbers — what if this income stopped, what if I paid off this card, how long would my savings actually last — giving you an honest date instead of a guess.

Features: live syncing with pending transactions, automatic bill and subscription detection, balance forecasting with a confidence band, Safe-to-Spend, budgets that follow your real categories, debt payoff ordering, spending vs. national averages, and one-click data export or full account deletion. No ads, and your data is never sold — the subscription is the business model.