Understanding Cash Flow Projections

A projection is PayBeat's best estimate of your balance on a future date, built from:

• Your current reconciled balance
• Upcoming bills and recurring transactions
• Your typical spending in each category

Why the number changes

Projections update as new information comes in — a bill posts, you log a purchase, or you reconcile a statement. That is expected: a projection is a moving estimate, not a promise.

Certainty, not just direction

PayBeat distinguishes reconciled (verified) balances from projected ones, and money out is never shown as an error — spending isn't a mistake, it's the plan working as expected. See the app's calendar for the day-by-day view.

Free vs. Plus

The free tier shows the next 7 days. PayBeat Plus unlocks the full 30/60/90-day projection and the complete calendar.