How to read your balance forecast
After this guide, you'll be able to: Interpret the forecast chart to spot upcoming shortfalls and understand what's driving your projected balance.
Published 21 April 2026
- 1
Go to Forecast from the navigation
Open Forecasting. The main view shows a line chart of your projected account balance over the next 3 months.
- 2
Read the balance curve
The solid line shows your projected balance. Drops correspond to known bills and expected spending. Rises correspond to expected income. The shaded area around the line shows the uncertainty range — wider means less certainty.
- 3
Find the earliest shortfall (if any)
If your balance is projected to go below zero at any point, Owdyn highlights that date and the top 2–3 drivers. This is your earliest warning to take action — adjust a bill, pause a goal contribution, or plan a transfer.
A shortfall projection is based on the information Owdyn has. Adding more bills and income patterns to your setup improves accuracy.
- 4
Check the confidence indicator
The confidence score shows how complete your forecast inputs are. If it's low, it means key inputs are missing — usually regular income or major upcoming bills. Add them to improve the forecast.
- 5
Drill into specific dates
Tap any point on the forecast chart to see a breakdown of what's scheduled on that date — which bills are due, expected income, and running balance at that point.
What happens next
To improve forecast accuracy, make sure all your regular bills are added and any expected income patterns are set up in Owdyn.
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