Plan, recurring items, and the forecast
Plan holds budgets, goals, recurring bills and pay, and the forecast. Each page opens on its answer, reads the same ledger, and never moves money.
Plan in the main menu has four pages: Plan → Budgets, Plan → Goals, Plan → Recurring, and Plan → Forecast. Each one opens on its answer, such as what's left this month or what's due this week, and a single button opens the form to add something, in place.
Budgets, goals, and reservations are covered in their own article. To run your budgets as envelopes instead, see envelope budgeting. If you don't use budgets or recurring items, you can hide them under Settings → You → Sections; they still open from links.
Recurring bills and income
A recurring item is a bill, a subscription, or pay that repeats: every week, every 2 weeks, every month, every 3 months, or every year. Its next dates count as expected, so budgets, safe to spend, and the forecast see them coming before they happen.
- The page leads with what's due this week.
- Suggested items are found in your transactions, such as a charge that comes back every month. Nothing changes until you accept one, and accepting it marks its past payments as paid.
- When the real transaction arrives, it replaces the expected one, so it counts once. The Text on your statement field is how FullFi recognizes it.
- Skip a date that won't happen, and it stops counting as expected.
The forecast
Plan → Forecast shows where the balances of your accounts are headed over 30 days, 90 days, 6 months, or a year, one figure per currency, with the lowest point along the way. It starts from today's balances and adds what isn't final yet on its date: pending and expected transactions, and the next dates of your recurring items.
What ifs let you try something without recording it: a one-off purchase or income, a new recurring bill, a raise or a new price for a recurring item, or stopping one. "Does a purchase fit?" at the top checks one purchase against the forecast and says whether it fits. A what if shows as a dashed line next to the forecast, says how safe to spend would change, and is kept only in the page's address. Nothing is written to your ledger.
The investment forecast
Below the balances, the forecast projects what your investments could be worth on the last day. It's a projection, not a fact, and the page says exactly what it assumes:
- It starts from what you hold today, at the latest price you have for each asset, held flat.
- Yield comes only from your ledger: a lending market's current rate, or the staking rewards and liquidity fees of the last 90 days.
- The Investment prices what if moves prices up or down a year out, in a straight line, and shows the range next to the flat figure.
- An asset with no price is left out, never counted as zero: the figure ends in "*" with a note naming it. See amounts and precision.
Safe to spend never counts projected investment gains.