OrbitForecast is a personal finance forecasting tool built around a simple premise: show users where their money is likely to go before a shortfall becomes a surprise. Instead of relying entirely on manually maintained budgets, it connects to bank accounts through Plaid and uses actual income and spending patterns to create a 90-day cash-flow projection.
A forward-looking money dashboard
The service combines checking, savings, credit card, and investment accounts in one dashboard. Alongside balances and net worth, it displays spending trends, recurring bills, and income. Forecasts include confidence ranges, giving users a view of how balances may change over the coming weeks rather than presenting a single figure as certainty.
Plaid can identify recurring bills and income automatically, while users can add anything that was missed. Email alerts can flag a balance below a chosen safety cushion, an approaching large bill, or spending close to a budget limit.
Simulation tools and AI assistance
OrbitForecast includes several ways to examine possible financial changes:
- 90-day cash-flow forecast: Projects future balances using observed spending patterns and scheduled bills, with confidence ranges.
- Orbit Assistant: A Claude-based text assistant that answers natural-language questions and runs projections using the connected financial data. Example questions include “What if I lose my job?” and “Can I afford a car loan?”
- What If? modeling: Simulates a new expense, a raise, or reduced spending and shows the effect on the 90-day balance.
- Loan repayment simulator: Estimates how extra monthly payments or a lump-sum payment could affect the repayment timeline and interest saved.
Setup, availability, and pricing
According to the website, setup takes a few minutes. Users connect an account through Plaid—about 60 seconds, with support for thousands of banks in the United States and Canada—then receive a dashboard with balances, net worth, spending trends, bills, and a personalized forecast.
OrbitForecast currently offers a free plan and a seven-day Pro trial without requiring a credit card. The website does not directly list the paid subscription price; a candidate description mentions $9 per month, but that figure should be checked against the final pricing page. Bank synchronization is currently limited to US and Canadian accounts.
For people who want a clearer view of near-term cash flow without maintaining a spreadsheet by hand, OrbitForecast’s connected-account approach is practical. The AI assistant and scenario modeling are particularly aimed at “what if?” financial questions, while the limited regional availability and unclear Pro pricing remain important considerations.
Method: This page was prepared with AI assistance from the official site or repository, with key numbers automatically checked against that source. Features and pricing may change; verify them at the source. official product page
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