Know the balance before you get there
Navefi projects your balance day by day over the next 30, 60 or 90 days. It starts from the money you can actually spend today, adds what is scheduled to arrive, subtracts what is scheduled to leave, and adds an estimate of everyday spending. It answers one concrete question: can I afford this or not?
Safe to spend
Lowest projected
Projected month-end€2,873
It starts from spendable money
Current accounts and similar. A term deposit, a pension plan and the meal card stay out, because that is not money you can use for anything. A credit card balance subtracts.
Conta à ordemCurrent account€2,480.15
PoupançaSavings€11,200.00- RevolutMulti-currency€318.40
Cartão refeiçãoMeal card€162.80
What is already scheduled
Recurring income, future income already recorded, bills and subscription renewals, each on its own date. On a shared subscription your share goes in, not the whole plan.
Everyday spending, by average
Everything that is not recurring is estimated from the average of the last 90 days and applied flat to each future day. It is the only estimated part of the projection, and it is a plain average — not a model.
The lowest point, marked
The projection says what the lowest balance in the period is and on which day it happens. If it falls below zero it is flagged in red. Beside it, how much you can spend before month end without getting there.
Predicted monthly
Paid this month
Upcoming€242.20
- Crédito automóvelMonthly · Transport€186.00Due tomorrow
- Águas de LisboaMonthly · Utilities~€21.70est.Due in 3 days
- Seguro automóvelMonthly · Transport€34.50Due in 10 days
The meal-card top-up does not count towards the projected balance. It is money that only buys food, and counting it as available would make the projection look easier than it is.
Frequently asked questions
Does the forecast use artificial intelligence?
No. It is arithmetic over what you already recorded: recurring income, bills, renewals and the average variable spending of the last 90 days. There is no trained model and no statistical prediction behind it.
Can I simulate a decision before taking it?
Not yet. The projection reads what exists; there is no scenario mode where you add a hypothetical expense and see the effect.
How far ahead does it go?
Thirty, sixty or ninety days. It gets better with two or three months of data, because the variable part is an average of your history.
The fastest way to understand it is to use it
Start free, or book twenty minutes with us and we show this with your bank and your kind of income.