Unexpected events
A washing machine breaking, an illness, a job loss — these unexpected things can't be predicted from past patterns.
Insights & forecasts
See where your year is heading — and where your savings could be in 6 months
Okidoky looks at your own income and spending and shows what will probably be left — per month and per year. Just calculated from your own numbers, nothing complicated.
01 · How it works
Done in 3 steps
01
Your own numbers as source
We only use transactions you've entered or imported. No comparison with other users, no averages from "people like you".
02 · Overview
See where your year is heading — and where your savings could be in 6 months
Okidoky looks at your own income and spending and shows what will probably be left — per month and per year. Just calculated from your own numbers, nothing complicated.
01Savings projection (6 months)
Based on your average net result over the last 3 months, Okidoky shows where your savings could end up over the next 6 months, in three scenarios: conservative, realistic and optimistic.
02Yearly overview with trends
See what came in and went out per month, with a trend line that shows if you're slowly getting better or worse at budgeting.
03Category breakdown
Pie and bar charts per category immediately show where your money goes. Click through to compare months.
04Budget warnings
Set a monthly budget per category. Okidoky warns at 80% and 100%, before you overshoot.
05Recurring costs analysis
Okidoky detects subscriptions and fixed costs automatically. See which you might want to cancel, and what's changed in amount.
06Savings goal progress
Link a goal (€2,000 vacation, €500 new laptop) to a savings category and see exactly how many months you still need.
Behaviour that changes
Suddenly stop going out for dinner? Starting to save more? The forecast only adjusts after the change has been visible for a few weeks.
Too little data
With less than 30 days of transactions, forecasts are unreliable. Okidoky explicitly warns if there's too little data for meaningful predictions.
Seasonal factors
Christmas presents, vacation bookings, yearly insurance — these peak once a year. In the first 12 months Okidoky doesn't yet know which month has which fixed costs.
How accurate are the forecasts?
The further ahead, the less certain. That is why the savings projection for the next 6 months shows three scenarios (conservative, realistic and optimistic) instead of one number. The year overview uses your fixed and recurring items; unexpected expenses are not in it. We don't publish accuracy percentages because we don't measure them systematically.
Do forecasts work in the free version?
No. Insights with the forecasts (year overview, savings projection and multi-year trend) is a Premium feature (€1.50/mo or €25 Lifetime). With a free account you do get your dashboard with the numbers for the current month.
Can I influence the forecast?
Yes. You can manually enter expected one-off expenses (vacation, repair) with a date, and Okidoky includes them. You can also "pause" recurring costs if you know they're not coming back (e.g. cancelled subscriptions).
Why do some charts say "insufficient data"?
For reliable trends Okidoky needs at least 30 days of transactions. For patterns across the year, at least 12 months. We'd rather show "not enough data yet" than a made-up number.
Are my numbers used to help others forecast?
No. We don't compare you with other people. Everyone gets forecasts based only on their own numbers. There is no system that learns from your numbers.