Cashflow Forecasting
Help customers see their financial future
AI-powered predictions of upcoming income and expenses. Help customers avoid overdrafts, plan for big purchases, and stay in control.
Banking looks backward. Customers need to look forward.
Traditional banking shows what happened. But customers need to know: "Will I have enough for rent next week?" and "Can I afford this purchase?"
Always reactive
Customers find out about problems after they happen. Overdrafts, missed payments, and surprises.
Mental math burden
Customers juggle bills, subscriptions, and paydays in their head. It's stressful and error-prone.
Overdraft fees
Unexpected shortfalls lead to costly overdrafts. Banks profit, but customer trust erodes.
Proactive beats reactive
When customers can see ahead, they make better decisions.
30d - 12m
Forward visibility
Balance projections
40%
Fewer overdrafts
With proactive alerts
3x
More engagement
vs. static balance view
+15
NPS increase
Customer satisfaction
Intelligent cashflow predictions
AI that learns from patterns to predict what's coming next.
Balance Projections
See projected account balance for the next 30 days. Recurring income and expenses are automatically detected to paint an accurate picture.
- 30-day forward view
- Income prediction
- Recurring expense detection
Proactive Alerts
Warn customers before problems happen. Upcoming low balance? Large expense incoming? Alert them in advance.
- Low balance warnings
- Large expense alerts
- Overdraft prevention
Financial Growth Paths
Help customers see where they're headed, and how small changes today can improve their financial health over time.
- Savings potential visibility
- Forward-looking guidance
- Goal-oriented nudges
Revenue Opportunities
Identify moments for relevant offers. Surplus funds? Suggest savings. Predicted shortfall? Offer credit solutions.
- Savings product triggers
- Credit offer timing
- Contextual recommendations
Not just "left to spend", safe to spend
Most budgeting tools take last month's income, subtract this month's bills, and tell customers they can spend the rest. That's dangerously misleading. It ignores the quarterly insurance premium due next month, the annual car tax in three months, and the yearly home insurance renewal after that. Customers who follow "left to spend" advice end up blindsided by large, infrequent bills they'd forgotten about.
Subaio takes a fundamentally different approach. Because we identify all recurring expenses, including those that bill quarterly, semi-annually, or annually, we can calculate what's truly safe to spend. Not just what's left until payday, but what's left after accounting for every known obligation on the horizon, no matter when it falls due.
This shifts the focus from short-term spending to long-term financial health. Instead of encouraging customers to spend everything they earned last month, we help them build a buffer, protect their savings, and approach each month with confidence that the big bills are already accounted for. The result is fewer surprises, fewer overdrafts, and a genuine path to financial resilience.
What others miss
- Quarterly insurance premiums
- Annual subscriptions and memberships
- Semi-annual tax and registration fees
- Irregular but predictable large bills
Protect savings, not just balance
By reserving funds for upcoming obligations, customers build real buffers instead of living payday to payday. Their savings grow because large bills no longer come as shocks that wipe out what they've set aside.
Long-term financial health
The goal isn't to tell customers what they can spend today, it's to help them build financial resilience over time. Fewer surprises, fewer overdrafts, and a relationship with their bank built on genuine support rather than reactive firefighting.
Simple but powerful
An upcoming payments list that actually works
It sounds simple because it is. A clear, chronological list of every payment coming up, subscriptions, bills, loan repayments, insurance, and everything else that will leave your account. Today, most banking apps don't show this. Customers have no single place to see what's coming.
That's why this is one of the most powerful features we offer. Not because of complexity, but because it fills a gap that shouldn't exist. Customers open the list, see exactly what's due and when, and immediately feel more in control. No more mental gymnastics. No more forgotten bills.
Combined with our recurring payment detection, which catches everything from monthly subscriptions to annual insurance premiums, the upcoming payments list becomes a financial calendar customers actually rely on. It's the foundation for proactive finance, and it changes how customers feel about their bank.
Netflix
Tomorrow
-89 kr
Electricity
Feb 22
-1,450 kr
Rent
Mar 1
-7,500 kr
Car insurance
Mar 15 · Quarterly
-2,800 kr
Salary
Mar 28
+32,500 kr
Deploy your way
Integrate cashflow intelligence into your existing experience or launch standalone.
Standalone
Ready-to-deploy, white-label experiences. Full functionality out of the box with minimal integration effort.
- Quick time-to-market
- White-label ready
- Managed updates
API integration
Full API access for deep integration into your existing systems and user experience.
- RESTful APIs
- Embed in existing UX
- Full control
Hybrid
Mix and match. Use managed journeys where speed matters and API access where you need full control.
- Best of both approaches
- Migrate at your own pace
- Per-feature flexibility
Part of Personal Finance Management
Works alongside
Cashflow Forecasting is one of four interconnected Personal Finance Management products, each strengthening the others.
Ready to help customers plan ahead?
See how cashflow forecasting can reduce overdrafts and increase engagement.