Yarikuri - Bill Forecast

Balance Check lines up your upcoming direct debits by date and tells you whether your account will cover them. Instead of comparing monthly totals, it walks through every payment day one at a time, so it catches the case where a large bill lands before payday and your balance briefly goes negative.

[ Day-by-day balance simulation ]

Starting from today's account balance, it applies your salary, your recurring payments and any money you expect to be paid back, in date order. It finds the lowest point your balance reaches during the month and gives you one of three verdicts:

- Covered: the lowest balance stays above your warning line
- Tight: still positive, but with no room to spare
- Short: your balance goes negative at some point

When you are short, it shows the exact gap and how much you would need to move from your cash or e-money into the account.

[ Features ]

- Balance chart: a stepped line showing how your balance moves through the month, so you can see exactly where it dips
- All recurring payments in one place: not just credit cards but rent, electricity, gas, water, mobile, subscriptions, insurance and loans. Pick from over 50 presets and the name and colour are filled in for you
- Per-month amounts: once a bill is confirmed, set the exact figure for that month only. Set it to zero for months you did not use the card
- Money owed to you: record what you paid on someone else's behalf. Give it an expected repayment date and it counts as income; leave the date open and it is deliberately excluded and flagged
- Balance date tracking: it remembers when you entered your balance and automatically subtracts anything that has been debited since, so a stale balance never produces a false "Covered"
- This month and next month, with next month carrying over this month's closing balance

[ Privacy ]

Everything you enter stays on your device. No account, no sign-in, no data sent to any server. It does not connect to banks or card issuers, so it never asks for credentials.

[ Please note ]

You enter balances and amounts yourself; there is no automatic bank synchronisation. Payment dates falling on weekends or public holidays are not adjusted.