Financial wellness Budget recurring bills, trends, and scenarios

The Budget section includes follow-up tools for recurring bills, trend review, and short-term scenarios. These tools help you review patterns. They do not pay bills, move money, guarantee outcomes, or provide personalized financial advice.

For Budget setup and weekly reviews, see Financial wellness Budget overview and check-ins. For Budget rows and matched transactions, see Financial wellness Budget categories help.

Recurring Bill Review

The Recurring section helps identify repeated bills, debt payments, and other obligations that may belong in the Budget. Advanced recurring detection requires paid Core access when that feature is active.

If recurring detection is locked, manual categories and monthly Budget review can still be used without automated recurring suggestions.

Recurring rows can include:

• bill or obligation name;
• estimated amount;
• due date;
• type, such as fixed bill or debt;
• status, such as suggested or confirmed;
• confidence;
• change notes when a previously confirmed item appears different.

Recurring Filters

Use recurring filters to narrow the table by:

• search text, such as bill name, category, status, or note;
• type;
• status;
• review item, including new suggestions, changed bills, and catch-up availability.

If no rows match, clear filters before assuming there are no recurring bills.

Recurring Actions

Available actions depend on the row:

• Confirm: adds or links the recurring item to the current Budget.
• Dismiss: hides a suggested item when it does not belong.
• Keep current: acknowledges a change but keeps the existing Budget row.
• Apply change: updates the confirmed recurring item when the amount, date, or details changed.
• Create catch-up goal: creates a goal-style follow-up for an obligation that may need catch-up planning.

Confirm only items you recognize. If a merchant is unpredictable, consider using an ordinary Budget category instead of confirming it as a recurring obligation.

Changed Bills

A confirmed recurring bill may later show a change. Common examples include:

• amount changed;
• due date changed;
• the item was not seen recently;
• the provider or merchant label changed.

Review changed bills before relying on the next 30-day Budget status. A bill that changed or disappeared may affect remaining room, upcoming obligations, and check-in prompts.

Trends

The Trends section appears after there is enough review history. It compares the current review with previous completed reviews.

Trend information can include:

• review-to-review spending change;
• planned spending;
• actual spending;
• remaining amount;
• trend interpretation;
• category trend rows showing percent used and notes.

Trends depend on completed reviews and refreshed totals. If you have not completed reviews yet, or if spending totals are stale, trend output may be limited.

Scenarios

The Scenarios section lets you model short-term tradeoffs before changing the Budget. It can show projected money left for the next 30 days and for the current month.

Scenario inputs include:

• lowering flexible categories;
• adding extra income;
• adding a goal contribution;
• adding a new bill or debt payment.

Only the flexible reduction can be applied directly from the scenario tool. Extra income, goal contributions, and new obligations are modeling inputs; update the relevant Budget, Goals, or category details separately if you decide to use them.

Flexible reduction is capped so the scenario cannot reduce flexible categories below zero planned dollars.

Scenario Statuses

Scenario status is a planning signal:

• Looks workable: projected room remains above the tight threshold.
• Tight: projected room is positive but narrow.
• Needs review: projected room remains negative.

Use scenarios to compare options, not as a final decision. Confirm official balances, pending transactions, due dates, and personal circumstances before relying on the result.

Why These Sections May Be Empty

Recurring, Trends, or Scenarios may look limited when:

• no Budget has been created yet;
• recurring detection is locked or unavailable;
• there are not enough cleared transactions;
• no recurring items are detected;
• filters are hiding rows;
• no weekly reviews have been completed yet;
• totals need to be refreshed;
• connected-account sync is stale or disconnected.

For sync troubleshooting, see Connected accounts and sync help. For Cash Flow period trends, see Financial wellness cash flow help.

When To Contact Support

Contact in-app support if:

• a recurring bill you confirmed does not appear in Budget categories;
• a changed recurring bill cannot be acknowledged or applied;
• catch-up goal creation fails repeatedly;
• Trends stays empty after multiple completed reviews;
• scenario values do not update after refreshing the page;
• the Budget shows stale data after reconnecting and refreshing totals.

Do not send bank credentials, account numbers, full transaction exports, screenshots with private transaction details, one-time codes, or identity documents by email.