Cashflow movement over time

Cashflow Trends provide a forward-looking view of how income and spending patterns are changing, based on observed financial behaviour. Rather than focusing on single balances, the analysis highlights movement, pressure and emerging change in cashflow position.

This helps teams identify potential stress earlier and understand how financial conditions are evolving, supporting planning, oversight and reporting with greater clarity.

How forecasts are generated

Using consented open banking data, we analyse income patterns, recurring outgoings and spending behaviour across defined time windows.

Observed trends in inflows, outflows and commitments are used to indicate likely cashflow direction and potential pressure points, based on current behaviour rather than assumptions. An example structured output is shown below:

{
  "cashflow_forecast": {
    "forecast_window_days": 14,
    "projected_lowest_balance": 58.40,
    "negative_balance_expected": false,
    "shortfall_risk": "low"
  },
  "drivers": [
    "monthly_rent_due",
    "utilities_payment_due",
    "salary_expected"
  ],
  "generated_at": "2025-02-15T11:36:00Z"
}

Why it matters

Changes in cashflow rarely appear suddenly. They develop through shifts in income timing, spending behaviour and recurring commitments that are easy to miss when reviewing balances in isolation.

Trend-based cashflow analysis helps teams move beyond reactive monitoring, providing earlier visibility into deteriorating or improving conditions without relying on rigid forecasts.

Get started

Bring clarity to cashflow analysis. Cashflow Trends provide behaviour-led insight to support reporting, monitoring and strategic review.

Compare plans or book a demo. to see it in action.