Add the expenses that change your balance.

Recurring income and bills

Paychecks, rent, a mortgage, and other items on a schedule can be entered once. BalanceWhiz rolls them forward, so the next date is already on the forecast.

Include transfers you expect to make, such as a move to savings. A transfer changes checking even when it is not a bill.

Bills whose amount changes

Some items arrive on a regular date with a different amount. A credit card payment, a utility bill, or a varying reimbursement fits here.

Mark the amount as varying and enter your best estimate. BalanceWhiz reminds you to update the figure when it is time. The date stays on the forecast, so you can see the timing before the exact amount is known.

Annual and one-time costs

Property taxes, insurance, tuition, summer camp, a vacation deposit, or a home project may not fit a monthly plan. They still hit checking on a real date.

Add an annual bill on the date it is due. Add a one-time cost on the day you expect to pay it. The forecast can then show whether checking will be tight when that money leaves.

Update the balance and keep looking forward

Everyday spending will not match the forecast exactly. You do not need to recreate every purchase you missed.

When you want a fresh start, update your actual checking balance. BalanceWhiz uses that balance as the new starting point and keeps the forecast pointed forward.

To see how those dates add up over the next few months, go to Look further ahead. To see the future balance, the upcoming cash movements, and the minimum you want to keep, read What cash is actually available?