Future Balance App

How We Meet Your Objectives Better:

The Problem: Why You're Stressed

You deserve less financial stress. Yet, traditional apps make you feel like a failure because they force you to do the work of an accountant:

• Tedious Homework: Categorizing every single transaction from the past is a frequent chore.

• The "Rearview Mirror" Problem: Stressing out about upcoming bills while only looking at past spending.

• Cash Flow Blindness: Afraid that you won't have enough money when a bill is due, even if your "budget" says you have money left.

• The Unknown: Almost never knowing where you truly stand with your bank account balance.

The Solution: The Future Balance Method

Future Balance is more than an app; it’s a method that simplifies your life. We cut through the noise by helping you implement a 3 Bank Account Strategy.

Part 1: The Structure

Most of our successful users stop trying to manage everything in one messy pile. Instead, they use three distinct accounts. The Future Balance app only tracks the first one.

1. Protected Account (The "Planned" Account)

   • What it’s for: Income, fixed bills, large purchase goals, and any spending that you want to protect from other spending.

   • The App's Job: This is the only account you track in Future Balance. You input your expected income and bills here. By keeping your savings goals (like a down payment) in this account, the app effectively "locks" that money away.

   • The Benefit: Reduce stress by knowing your basic financial needs are provided for and protected.

2. Everyday Account

   • What it’s for: Groceries, gas, dining out, and daily needs. You always want to have enough for these without checking.

   • How it works: You set up a recurring (e.g. weekly) transfer from your Protected account to this account.

   • Dial it in: This amount isn't set in stone. If you find a consistent surplus building up here, reduce the transfer amount (keeping more money in your Protected account). If it feels too tight, increase the transfer to match your real-world needs.

   • The Freedom: You do NOT track this in the app. You simply spend what is in here. If the money runs out, you wait until next week's transfer.

3. Surplus Account (The "Choices" Account)

   • What it’s for: Spontaneous impulse buys, fun gadgets, or pure overflow. These depend on if you have enough.

   • How it works: When your Protected account gets too high, you skim the extra off the top into this account.

   • The Freedom: You do NOT track this in the app. This is your "scorecard" of extra wealth that you can use for whatever you want.

Part 2: The App Workflow

Once your structure is set, using the app is straightforward and painless:

1. Add Your Protected Transactions: In the app, add a "Protected" account and add "expected transactions" for your planned income and any expenses you want protected.

   • Put in only income amounts you can rely on. Any extra income can go into the "Surplus" account or help resolve any balance alerts.

   • Put in each expense that you want to protect. Be conservative in the amounts (the higher end of how much each expense can be). (Tip: You don't have the put the absolute maximum that an expense has ever been since some of the other expenses might end up less than expected and be able to help.)

   • Don't worry about which paycheck will cover each expense. 

   • For everyday expenses, have a different bank account to transfer a certain amount to each week. Don't add this account to the app, just protect the transfer amount. If paychecks are deposited on Fridays, transfer EVERY Friday, even if you get paid every other week. If your paychecks aren't on the same day each week, choose whatever day of the week you'd like to get more "Everyday" money.

   • Check through a few months of transactions in your banking app to make sure you've included everything that needs to be protected, including any subscriptions.

2. Fill In Your Balance: Update the current balance of your Protected account.

   • If your money is in various bank accounts, first transfer money into a single account for "Protected" transactions (or add up the balances from each bank account).

3. See the Future: Instantly see where you stand now and how your balance will trend over time. 

   • Notice any balance alerts. These warn about when the balance will be in trouble. (Click on the "Balance Alerts" button for more detail).

   • Notice the "Min Future Balance". If it's positive, you can transfer up to that amount into "Surplus"!

   • Notice the "Trend". If it's negative, try to make adjustments, or vigilantly address each balance alert before the date arrives. If it's significantly positive, you can schedule transfers into "Surplus" or adjust amounts to make things feel less tight.

   • Click on each button to see more: "Balance Alerts", "Running Balance", "Graph", "Future Balances", etc.

4. Make Adjustments: If things look unacceptable, make any adjustments that can help.

   • Be more exact on expenses you over-estimated. For example, if an expense varies by season (such as natural gas), you can have a separate transaction for each month with a different amount, each one repeating every year (a "January" bill each year, a "February" bill each year, ...).

   • Remove expenses from Protected that could wait for money in the "Surplus" account.

   • If needed and available, commit to working a certain amount of overtime or get another job.

   • Ask for help from people (family, friends, government, church, community) who may be willing.

5. Finish setting up your Bank Accounts (if you haven't already):

   • Choose which bank accounts will represent Protected, Everyday, and Surplus.

   • Transfer money appropriately.

   • Set it up with your bank to decline transactions without a fee if there are insufficient funds for at least the Everyday and Surplus accounts (and Protected as well, unless you are really worried).

6. Check In: Every once in a while (more often if there are balance alerts), visit the app, click "Past" for each protected transaction that happened, update the account balance, see the updated view, and make any adjustments you see fit.

✨ Why Future Balance is Different

 Balance doesn't just track numbers; it gives you Actionable Knowledge and True Control.

• Freedom vs. Bondage: Traditional plans control you. With Future Balance, you control the plan.

• Informed Decisions vs. "The Black Box": Stop guessing. See exactly how a decision today impacts your balance three months from now.

• Visual Motivation: The app incentivizes you to save using "ASAP" payoffs, visual trend lines, and low balance indicators. Watching your future balance grow becomes a game you want to win.

• Powerful Loan Calculator: Don't just guess about debt. Quickly see the effects of interest and understand the tradeoffs between different loan rates or investment amounts.

• Timing Solved: No longer have to worry about all the complicated timing of paychecks and different expenses.

Our Agreement: Your Investment in Peace of Mind

We believe financial simplicity should be straightforward. That’s why we make these promises to you:

• No Ads: Ever. Your focus is on your money, not ours.

• Ultimate Privacy: Your information stays safe since it is only on your device.

• Risk-Free: We offer a 30-day money-back guarantee.

✅ The Transformation: Who You Will Become