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One of the features I miss most in Mint (compared to Quicken) is the ability to see a basic cashflow forecast. It's kind of fun to see my spending trends versus my income trends over time, especially when I can add specific upcoming income and spending events.
Not exactly a trivial feature request, I know, but something that would be much appreciated by many, I'm sure.
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I’m
optimistic
Promoted
Responses
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3This is the primary feature I'm hoping Mint will add. I too have created a huge spreadsheet to keep track of bills and goals that is honestly more effective for my situation than Mint is. I LLLOVE Mint's interface but if they would only add a forecast feature... I'd switch back.
Being able to glance at the mint app through my phone before buying something would be the creme de la creme.
Someone else mentioned PocketSmith. It's another site with a beautiful interface and budget forecasting appears to be perfectly implemented, but their free version is way too limiting. -
I’m
frustrated
4With the QuickenOnline shutdown quickly approaching, it is quite dismaying that this request has not been implemented. -
3This is a non-trivial feature, especially what I need, and I too would be willing to pay for it--at least $10/month.
I need to know--BEFORE I spend what little discretionary cash I have at any given time--what that transaction will do to my cash flow (now and as far in the future as that transaction has an impact.)
Back when I had very little income and had trivial expenses, this was not a meaningful requirement, but now the number of monthly transactions I have--coupled with varying "in" and "out" dates for some cash sources (like expense reimbursements) and special or non-regular payments--is beyond what I can easily manage without some sophisticated forecasting.
I need this so badly that I am reverting back to the monster spreadhseet I used pre-Mint, but that is OH-SO-PAINFUL!
Pretty-please, Mint, take your game up another notch. Thanks! -
4I've long advocated this enhancement. I would love to see mind first:
1. Allow user to identify reoccurring transactions. Let a user tag a transaction as reoccurring and specify the cycle. ( Monthly, weekly, semi-annual, etc.).
2. Allow user to enter manual transactions that are reconciled when the transaction is loaded into MINT. This will allow user to have more up to date information in MINT.
3. collect more information on the credit cards and mortgages. Allow the user to specify credit card payment plans. Do they pay minimum amount, full amount each month or minimum and X percentage or lump amount every month.
4. Show this in a financial calendar (Yodlee.com has a good example of calendar.
These changes will lead to a good cash flow analyzer. -
I’m
confident
3Glad to see this idea is picking up a bit of steam. C'mon, Mint, we already know you're up to the challenge of making useful and phenomenally well-designed charts and graphs. So let's get some cash flow projection :)
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4This is a necessary feature because I don't care as much about how much money I've spent as I do about how much I CAN spend ;)
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7Cash flow forecasting was is one of the most valuable features of Microsoft Money, to me. Here's another vote for Mint.com to add it. -
I’m
confused
5Yes forecasting expenses is very very important! I use it every day for discretionary spending in quicken. This seems basic for any finance program. Am I missing something? I cant even balance my checkbook using mint. -
I’m
excited
6I agree - something similar to what is currently offered in Quicken Online would be ideal. Especially if Intuit now expects us to migrate to Mint from Quicken Online. I need bill reminders and this cash flow forecast tied together with a view about 30 days ahead. -
I’m
undecided
23As a long-time Microsoft Money user, I've come to depend upon a short-term (30 days or less) cash flow forecast. Now that Money is discontinued, I'm searching for a replacement. Mint.com is beautiful and I really want to use it... but without this feature, I'm not sure I can make the leap.
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I’m
undecided
23As a long-time Microsoft Money user, I've come to depend upon a short-term (30 days or less) cash flow forecast. Now that Money is discontinued, I'm searching for a replacement. Mint.com is beautiful and I really want to use it... but without this feature, I'm not sure I can make the leap.
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mikemacco October 01, 2010 16:14I completely agree. I'm using Quicken 2006 for Mac because it's the only thing I have that has the features I need. It's not perfect but it works. Mint would be the clear winner if it had those features.EditDeleteRemove
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I’m
excited
6I agree - something similar to what is currently offered in Quicken Online would be ideal. Especially if Intuit now expects us to migrate to Mint from Quicken Online. I need bill reminders and this cash flow forecast tied together with a view about 30 days ahead.
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I’m
confused
5Yes forecasting expenses is very very important! I use it every day for discretionary spending in quicken. This seems basic for any finance program. Am I missing something? I cant even balance my checkbook using mint.
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1Yeah, I agree. This is a great feature on Mvelopes, but not available here. My guess is it's because Mint makes their money getting you to go to their suggested savings opportunities sites. They don't want to help you figure it out on your own with such a tool. But, this site has many more supported institutions and it's free.
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7Cash flow forecasting was is one of the most valuable features of Microsoft Money, to me. Here's another vote for Mint.com to add it.
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4This is a necessary feature because I don't care as much about how much money I've spent as I do about how much I CAN spend ;)
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Knowing that you have a budget of 2500 to spend for the month does not indicate that after the 1st week of the month, you'll overdraft for any budgeted spending until the 2nd paycheck arrives.
I bought MS Money last year for the sole purpose of cash flow forcasting & budgeting.
I use and believe in mint. And I share it with everyone i know. But it lacks features that i need in my current financial situation. -
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I cannot get my husband to use Mint because there is no cash flow forecasting that he has learned to depend on in Quickbooks. I HATE quickbooks, but we really want to manage our money on one system. Please MINT hurry up!!!
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I’m
confident
3Glad to see this idea is picking up a bit of steam. C'mon, Mint, we already know you're up to the challenge of making useful and phenomenally well-designed charts and graphs. So let's get some cash flow projection :)
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I’m
hopeful
2I am in total agreement!! For decades I've used MS Money and the Cash Flow was one of my favorite features. It tells me that at the end of March I will have a big dip in funds ... I check out why and see that a large one time bill will need to be paid. Now I can take measures (less on optional expenditures) to make sure the funds will be there to pay that bill. This is one feature that I am not sure I will be able to do without.
A friend told me about Quicken Online and when I tried to find it I was redirected to Mint. Now I find out from Dave Duvall that Quicken had it as well and as he says, "... if Intuit now expects us to migrate to Mint..." we would expect the same level of service as Quicken. -
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I’m
concerned
I'm on the fence trying out mint, I would jump in if this had the cash forecast. Quicken's cash flow forecast is nowhere near as intelligent and clear as MS money was... but well, so much for MS Money... Please add the cash flow forecast.
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2Long time MS Money user, and I'm upset that it was discontinued. A friend recommended Mint as an alternative, and I like some of the features in Mint for sure, but I'm keeping my install of Money around as long as I can just for the forecasting tool. It helps me determine how much and when I should tackle certain big expenses. I'm really lost without it! If I don't hear something from mint soon, I'll probably investigate other tools.
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2A cash forcasting tool is in need - please intergrate or tell us why you don't want to - mint team!
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I’m
undecided.
2It's not exactly rocket science to add this functionality. Quicken Online already lets you forecast through two pay periods. Mint.com, can you get your act together and please the masses?
Thanks! -
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This would really set Mint apart. I know a number of people that are tired of little surprises and could really use it to manage their money. It seems like an obvious need to me.
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4I've long advocated this enhancement. I would love to see mind first:
1. Allow user to identify reoccurring transactions. Let a user tag a transaction as reoccurring and specify the cycle. ( Monthly, weekly, semi-annual, etc.).
2. Allow user to enter manual transactions that are reconciled when the transaction is loaded into MINT. This will allow user to have more up to date information in MINT.
3. collect more information on the credit cards and mortgages. Allow the user to specify credit card payment plans. Do they pay minimum amount, full amount each month or minimum and X percentage or lump amount every month.
4. Show this in a financial calendar (Yodlee.com has a good example of calendar.
These changes will lead to a good cash flow analyzer. -
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I’m
frustrated
2I agree, cash flow forecast and a financial calendar are essential features that are missing from Mint. Certain bills need to be paid on a particular day of the month, and I need the ability to know (based on income that is paid on particular days of the month), whether there will be sufficient funds to cover the bills.
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1Yes, please please please mint!!!! Desperately need something like this to keep a handle on my debit card spending.
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I’m
confident
2Yes! Looking forward is as important, if not more so, as looking backward.
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I’m
frustrated
Another MS Money user here, that completely depends on scheduled transactions and cash flow forecasting. Since I've been "trialing" Mint.com, I've come to realize that the online app really does not have nearly as much functionality as Quicken or Money desktop applications. It's not even a comparison!
No Cash Flow forecast?
I can't setup a scheduled Bill or Deposit?
Is the Mint.com Team not providing this key functionality so they don't draw customers away from their Purchased Quicken products?
Hmmm....I think so.
My $0.02.-
What I'm really saying is that I would gladly pay a subscription price for Mint.com if it included more functionality. If all you want are pretty graphs and charts of your past spending and current balances, then great...go with the free product. However, as a SaaS (Software as a Service) provider, Mint.com should realize that it won't cut it for the long haul. If they want long-term customers, they'll want to include (optionally) like functionality to the software counter-parts. I think the true benefits of Mint.com are access-anywhere, and low maintenance cost to the consumer (ie. no software updates, crashes, backups, etc.)
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@ bguy_1986:
it sounds as if you think mint should never add or change a feature because it's free. Mint is likely to improve their product over time, and they may incorporate our suggestions. Mint has already added features that were requested by users like us. -
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1I'm willing to pay for the forecasting feature!!!
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I’m
frustrated
This is a core feature that I used all the time with Quicken and MS Money. Budgets just don't work for me. I need to plan purchases in the future based on current spending patterns (including bills) or react to changes in income.
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I too would like the option to see a month-to-month (week-to-week and year-to-year would be great as well) cashflow forecast incorporated in either the planning or trends sections! This would be immensely more beneficial to me than the current Trends section plots.
I believe this utility would not be too difficult to incorporate into the website since they already have a budget and would only need to keep a history of when budget item transactions are made or when bills are due. Next, they would simply have to apply the budget into the next month and use the historical budget item transaction frequencies to project the next months cashflow.
Not a matter of rocket science really... I wonder what their reasoning is as to why it has not been incorporated yet. -
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1Another MS Money user that feels lost without the forecasting feature. The Budget feature in Mint helps a bit, but not enough. I'd give my right arm for something that lets me know, based on my budget (recurring expenses) how much money I have left until next payday.
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I’m
wondering where I can get a product that had the same cashflow functionality as MS Money.
Just spent a lot of time setting this up and discovered this problem. Yodlee has a neat feature but the running balance/register funcionality doesn't work.
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has there ever been a response from mint on why this has not been addressed?
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has there ever been a response from mint on why this has not been addressed?
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has there ever been a response from mint on why this has not been addressed?
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I’m
anxious
I agree, this would be very helpful. Theoretically the best plan is to have enough cash reserve and stick to a budget....which makes forecasting for the month nearly pointless. However in reality there are occasions where I need to time bills with paychecks. For these situations, the old Microsoft Money and quicken online forecast tools are great. I'd like to see this in Mint.
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I’m
annoyed
Used to use the Microsoft Money version of this ALL the time. Not sure why it's not a part of Mint. It doesn't seem like it would be all that complicated!
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I’m
frustrated
This thread has been on-going for 4 months now... Does anyone at Mint.com read these? Will there be any response or improvements to our concerns?
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I’m
befuddled
Hi:
I'd like to add my request to this thread. I am also lost without microsoft money and its cash flow and recurring bill planning features. I now also have a mac and decided not to purchase Quicken for Mac due to lack of a cash flow feature. So I am left using a spreadsheet to predict cash flow now (what with taxes!) and it's AWFUL!!!
Whether it's by mint or someone else, paid or not paid, will someone put out a mint like product or web site with these added features... that I can access on the mac? -
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Why did Mint, create this feedback forum, if they're not going to respond to users? Yet another tech company with no business sense or customer service. They only do one thing good, i.e the software/website tech IT side of the business.
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I’m
undecided
I think I'll give them the benefit of the doubt on this one. building software isn't easy or fast. I'm sure they do use this forum to gather info.
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1Yes it's hard, but you still have to respond to users, and really to forecast would be simple from what they have done already, you just project out based on the reoccurring bills they have in the database, something they could build a graph on in a day of coding. They've already done the hardest part which is the current Mint platform, to add a forecast graph would be trivial at this point. There's no money in if for them, that's why they're not quick to jump on it, they want to only do things that show how much your fees are costing and and try and get you to sign up with a new bank or credit card etc.. I bet they'd make a bank fee forecast graph if a couple people asked for it. Maybe we should ask for that first and then it won't be hard to have them add the other expenses into the graph too.
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I’m
Frustrated
There is a desperate need out there for this cash flow functionality. Also the ability to modify individual occurrences of bills up to 12 months in the future. I'm dieing to find a replacement for MS Money so I can dump Parallels and windows all together.
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I’m
unsure
I was actually changing a budget and noticed that you could set a budget for once in a future month. This could suffice somewhat as a forecasting tool if they lift the restrictions that are there to limit it.
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Yet another MS Money user that is dying for this feature to be added to mint.com. I've got Windows 7 installed via Parallels purely to run MS Money on my MAC, and while slow, is definitely better than anything else i've tried (mint.com, quicken, iBank, piggyBank, etc.)
C'mon Mint dev team, i'm another user that would actually pay for something like this through an account on the site. -
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3This is a non-trivial feature, especially what I need, and I too would be willing to pay for it--at least $10/month.
I need to know--BEFORE I spend what little discretionary cash I have at any given time--what that transaction will do to my cash flow (now and as far in the future as that transaction has an impact.)
Back when I had very little income and had trivial expenses, this was not a meaningful requirement, but now the number of monthly transactions I have--coupled with varying "in" and "out" dates for some cash sources (like expense reimbursements) and special or non-regular payments--is beyond what I can easily manage without some sophisticated forecasting.
I need this so badly that I am reverting back to the monster spreadhseet I used pre-Mint, but that is OH-SO-PAINFUL!
Pretty-please, Mint, take your game up another notch. Thanks! -
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I’m
frustrated
I'm really considering going back to Quicken.com because of this. I prefer Mint's interface overall, but this is a MAJOR flaw.
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I have ended up with using iBank. Quicken and Quicken.com don't offer Cash Forecasting for individual accounts over various time periods. iBank does and they are working on a day to day tracking as well.
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I’m
discouraged
so discouraging. someone replied to a tweet of mine a while back that said Mint.com would have cash flow capabilities this past March. No news there, and no responses here. bummer.
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1Would love to see this feature, but I can understand why it hasn't been added. It's a fundamental change in the product and how users interact with it (entering manual transcations and match downloaded transactions with manual transactions, balance accounts, recurring transactions that can be customized, etc). I assume the Mint team is struggling with how they can keep their product extremely easy to use for the masses while adding advanced features that many of us really need. Perhaps the best answer is to create a new subscription based service for the power users, which I would gladly pay if it had the features I need. In the meantime, I will stick with MS Money as my cash flow forecasting tool but I will use Mint to keep track of my monthly spending habits.
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I’m
unimpressed
I've run MS Money on Windows for 15 years - and not at all interested in disposing of that many past transactions (which mint doesn't let you import). I switched to a Mac two years ago, and since Quicken Essentials sucks, I continued running MS Money on Parallels; however, with MS abandoning it's Money product, I just bought Quicken so that, if nothing else, I can continue to compiling my finances into the future in a non-obsolete format. And wow, the posters are right, the alternatives' lack of a cash flow forecast feature leaves a gaping hole in any financial software tool. Mint wont work with all my banks, Quicken wont import all my loans, and neither can forecast with a graph. Phooey.
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2I'm not leaving MS Money until Forecasting is available that works as well as how it does in money.
I will hack my product to keep it running. Still runs fine so far....... I don't understand how this can't be a main feature in other products, when it is SO important in how I run my finances. I can't imagine trying to manage my Bills without it.
I created acounts on Mint and Intuits personal sites after the MS announcement. I haven't been to either one in Months simply because without the forecasting its worthless to me. -
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I’m
bummed.
2Wow. I just spent an hour analyzing and categorizing transactions, building my budget, etc., and now I find out that I can't forecast cash flow? This is a serious disappointment. I've used Money and Quicken in the past and, of all things, cash flow forecasting represented the greatest value. I guess you get what you pay for...
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I’m
amazed there is no cash flow tool out there like MS Money
1I am also a veteran MS Money user and depended on the cash flow forecasting tool it offered. That was really the only function i cared about. I am impressed with mint and its look and the way it imports data, but need my cash flow management tool. I would be willing to pay for it.
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I’m
Hopeful
Cash flow forecasting would be incredibly helpful, and important to me.
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Here's another vote from someone who would switch to Mint.com in a heartbeat if it included a cash flow forecasting tool like MS Money's. Until that time, looks like I'm going to have to grandfather myself in with Money until it just won't work anymore.
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1Got an email today that as of August 29, 2010, Quicken.com won't be available anymore.... I am really hoping that Mint gets their cash forecasting up by then!
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2Cash forecasting is Critical. I really admired Quicken for their cash forecasting and praised the brand strongly for it. Unfortunately, I feel so strongly about the forecasting tool that Mint has been receiving very poor reviews in my community. Add a lack of forecasting to the use of a third party for transaction retrieval and you get some very dissastified users. Please address this issue via a broadcast.
Finally, please stop patronizing your users - we're aware that the cash flow forecast is 'approximate' and does not reflect a real balance. ......-
I agree very much with this sentiment about "approximate"--approximate is good enough.
The whole point of Mint.com is that it's approximate and you don't have to stay on top of every single transaction (unlike the desktop products, where you have to click "accept" "accept" "accept" etc). Mint.com sometimes may miss a transaction or an interest charge (e.g. with one of my credit cards), but that's OK if the amount is small, since I still get up to date balances and a 95% accurate picture of my spending. -
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My only exception to the way it was done in Quicken Online, is I'd like it to be more like MS Money's forecast ---- showing a line graph for each account NOT a bundle of all accounts together.
Thanks! -
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A must have - please also note that a lot of the people asking you for "planning for future transactions" etc., in other categories seem to be getting at just precisely this short-horizon cashflow question.
If you've got some huge cash reserve in checking so big you don't have to forecast your cashflow, I feel like that's just inefficient, not smart.
So you're going to dump all my historical transactions and planning from QOL, and will not consider cashflow planning? OK, that's your call, but it certainly means we won't be dealing with each other. Looks like USAA just implemneted Yodlee, let me see how that works. -
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I couldn't agree more. A great feature from Microsoft Money that is the only feature mint is missing. Projecting what your account will look like at future dates is a a benefit when attempting to plan for unforeseen event or expenses.
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I would also like this as I can't forecast my account into the next month without it... anyone heard that its being done anytime soon?
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I’m
optimistic
I don't know why it's not built yet?
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I’m
nervous
The inability to forecast my spending and capture upcoming expenses is a deal breaker. I will be forced to use a different service if the feature is not ported over from Quicken online.
Thanks for the consideration. -
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I’m
frustrated!!
2I am concerned that Mint.com does not provide one of the most basic features of a financial management product that Quicken Online did provide.
Quicken Online provided basic cashflow management via forecasting my checking account balance based on my "setup" recurring transactions.
For a user that has minimal disposable income that wants to avoid overdraft fees, having a forecasted account balance is very essential. Aaron Patzer, please make this happen!!-
I couldn't agree more. After having just learned QOL will be going away on 8/29/2010, I set up my mint.com account and was disappointed not to see a cash flow feature that was on QOL. More people are paying their bills via ACH or EFT automatically that it helps tremendously to see your cash flow in the bank/cash accounts. Please add this essential feature.
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I’m
concerned
Plus cash flow helps you determine how much add to your goals to pay down debt, build savings, etc.
I still have to use an excel spreadsheet to do this in order to create a useful budget each month (especially when I get paid three times in one month and mint.com can't allocate income based on week, bi-weekly, etc). -
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I’m
frustrated
4With the QuickenOnline shutdown quickly approaching, it is quite dismaying that this request has not been implemented.
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I was able to make an Excel spreadsheet with this in about...15 minutes. With all the talented people that I know Quicken has to have close at hand, why couldn't they provide something similar online. As it is, I have to email it to myself from work to home to ensure I can keep up with it. I know, I know, I could easily do it with pen and paper, but I thought that's one of the things Mint is for? This seems like a (relatively) simple feature to add, and one that I've seen multiple times in the ideas/suggestions page. PLEASE add this feature.
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I’m
frustrated
When will this be done?
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I’m
UPSET!
MINT! IF CASH FLOW FORECASTING DOESN'T LINE UP WITH YOUR OVERALL PHILOSOPHY, OR IT'S NOT PRACTICAL TO IMPLEMENT RIGHT NOW, THEN PLEASE GET ON HERE AND EXPLAIN YOURSELVES, MAYBE MAKE A COUPLE OF SUGGESTIONS!
OTHERWISE WHAT IS THE POINT OF THIS FORUM?!? -
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I’m
tired and ambivelent.
2I haven't used Mint in a couple months because it is worthless without a cash flow feature. The 'Goals' feature they've implemented is of limited practical value beyond savings and doesn't address the issues mentioned in this forum. I need something that allows me to make day-to-day spending decisions.
P.S. And don't say 'budgets'! A budget doesn't show the consequences of a major purchase beyond the amount I'm over for the month. I need long-term forcasting... preferably with a graph that shows the daily account balances with expected expenses and what-if with major purchase(s)... the what-if could tie to the 'Goals' savings feature but I'm not sure if that's of much value without the ability to transfer money between accounts. -
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I’m
sad
I tried using Quicken 2009 but was really disappointed with it. It was unable to automatically pull in my student loans, mortgage and other key areas like mint.
I would be happy to pay mint.com for the cash flow feature, if that was an option. Instead, I am using Quicken for one thing and mint.com for budgeting, which really isn't a great solution. -
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I’m
anxious
Must have cash flow forecasting!
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I’m
anxious
I also think having cash flow forecasting option in Mint will be a huge help. There is a budgeting tool, and if we budget both income and expenses, we should be able to have a cash flow forecast! I hope this functionality get added soon.
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So this many months worth of comments and still nothing from mint? I may just cancel my account with mint. Worthless without cashflow projection.
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I think this tool is absolutely necessary for me to really utilize, and like, Mint.com
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I’m
frustrated that management is not responding.
1True - I'm not seeing any interaction or feedback from Mint.com about this topic, which suggests they are either not listening, or choose not to respond either because of a flood of conversations that they are not staffed to handle, or, more likely, they have specific directives from the "strategists" up top telling them to roll out monetization upgrades before completing the product.
I understand the necessity to prioritize user feature requests by how many people are voicing their opinion, coupled with getting the company into the black through affiliate monetization, which is one reason I noticed that 'cashflow forecasting' is not in the Top 30 of the FAQ section. It seems to me that if each of us asked the question of when can we expect cashflow forecasting, then "perhaps" we'll create another page that "might" get noticed by management.... and therefore into the development queue.
Intuit should consider buying out PocketSmith com to jump their forecasting development ahead.
AT LEAST... I would hope we could get a short response from management stating briefly why certain features are not a priority (e.g. poor server utilization, development roadblocks, stockholders, etc).
Ask the question now, at FAQ: http://satisfaction.mint.com/mint
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I’m
anxious
I agree. I also miss having the Cash flow Forecast tool. I hope Mint will look into adding this tool to the system, or at least provide a response to our requests!
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I’m
done!
This is never going to happen. Mint makes their money from their sponsors, all of whom cater to those who can't or don't want to handle their own forcasting. Why would mint add a feature that would reduce their sponsorship revenue? I stopped using mint months ago for this reason. I would suggest everyone on this thread do the same.
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What are you using instead, if anything?
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I have used MS Money for cash flow for 15 years....now a FREE download...still the best IMO. Too bad Mint can't emulate this feature.
http://www.microsoft.com/downloads/en... -
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One of the most basic questions a personal finance tool is meant to answer: "Can I write this check without it bouncing". Mint cannot answer this question for me now without me squinting at pending transactions & dates and using a hand calculator.
This is a real shortcoming. Please address it! -
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I have also switched to excel to forcast my cashflow. It was really easy to set it up. I dont understand why the programers at mint cant set it up online. Yoddle was pretty crappy as far as im concerned. Pocket smith's layout was really nice, they just lack the automatic upload from your accounts.
so excel it is for a while. anyone want to share a good template they found for excel for cash flows? let me know! if mint is going to help us, lets help eachother find a good tool to forcast our money!-
I for one would love to see a template to forecast cash flow, and maybe use it until mint gets this feature going. Is there a possibility you could post it as a Google Spreadsheet public template?
If you find the time to do this, perhaps you could post the lik here? Thank you! -
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This is what I made really quickly. If you look in the google templates for "cash flow tool" it should come up.
https://docs.google.com/previewtempla...
I'd love to see what other spread sheets people are using.-
Looks like a workable stand-in for Min'ts missing forecast feature.
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I’m
happy
I used to do cash flow in Excel for a long time too. Changed over to MS Money in 95' mostly because it has a great cash flow graph function that's supported by Money's OFX import feature from your bank. Hoping Mint adds this feature but it looks to be a long, indefinite wait.
Though Money is now discontinued as a retail app, MS has now made it a free download...
http://www.microsoft.com/downloads/en... -
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I’m
irritated
I cannot find any software that will do this anymore. It was my reason for using money as well and then quicken online had a great feature where you just tip the phone and it laid out the next 30 days. Can't believe no software does this. Isn't the whole point of creating trends to forcast where you will be at any given date? Please guys... it really is just a table of records of what you have now and data points based on the AR and AP you have specified... be nice to also be able to click something that made the graph predict based on budgeting or something else to add the possibilities... not to mention this would be a great tool for setting up your budget... seems like such a no brainer that there must be something we do not know about liabilty of telling people they will have enough money... oh well... back to the search, if anybody comes up with this I will setup 6 different accounts right away 4 our 4 different businesses and our 2 personal accounts...
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I’m
destitute
It's frustrating and makes you feel like you're expecting something unique and knitpicky.
It's the basic features of a financial application, anything else is just an electronic ledger....
I've waited for over a 2 years or more for this from Mint. It's not going to come, not when it takes over 2 years. -
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I just went and checked this out. They have an extension you can download called "forecaster" that allows you to forecast multiple accounts based on scheduled transactions or your history. Very nice. But, it is $49. Come on mint. If some guy on a google group can make this extension, surely your ace programmers can add this after a years worth of requests! Oh, that's right. You don't care. Looks like it is time to drop the $49. :(
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I just went and checked this out. They have an extension you can download called "forecaster" that allows you to forecast multiple accounts based on scheduled transactions or your history. Very nice. But, it is $49. Come on mint. If some guy on a google group can make this extension, surely your ace programmers can add this after a years worth of requests! Oh, that's right. You don't care. Looks like it is time to drop the $49. :(
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I’m
frustrated
So I was frustrated by the lack of a cash flow forecasting feature in mint.com and went ahead and purchased a desktop version of quicken. Much to my dismay it is extremely difficult to use when compared to quicken online. I am willing to pay for a product, but feel like the quicken desktop product was a step backward as I have no idea what my cashflow looks like until my next paycheck, I have to spend over an hour sitting in front of it trying to figure out if my data got imported correctly and the balances between my bank account and quicken never match. I used the recurring transaction feature in quicken online more than any other to figure out how much I could save and also how much more I could put against my current debts.
I have been financially lost since the site shut down.
Praying that one of your competitors can figure this out...because it doesn't seem to me that you care. -
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I’m
disappointed.
This thread has been on-going for over a year now and still no results. I've resorted to creating my own cash-flow forecast tool and will not use Mint.com due to its gross negligence of this forum. What's the purpose of it if no one from Mint.com acknowledges it's existence? I won't be using Turbo Tax (a Quicken Product) for my tax filing either since I presume I'd be getting the same service there as well. Yes, I know Mint.com is free - but how are they supposed to retain its users?
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I’m
frustrated
Dear god, why has no one responded to this yet? I miss Quicken Online. It had everything I needed. Why did intuit have to buy mint.com?
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I’m
sad
I wish I could buy Quicken Online. None of the Quicken products have iPhone apps, bad deal.
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I’m
frustrated
Not happy about not having the ability to use a forecasting tool. Businesses must be able to forecast, so it only makes sense that a family would have the same needs to manage their money. I have considered getting quicken deluxe for this reason alone but rely on the ability to use the tool online. I live in the cloud as much as possible and this would be a big step. Please, please, please get this initiated soon.
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I’m
annoyed
I still can't believe there's no forecasting tool. I'll echo what I've read all throughout this thread. Mint is no use to me without cash flow forecasting. I plan to the future. I don't care about what I did right or wrong last month, especially when everything is categorized incorrectly. It's gotten so bad that I've decided to start my own project to create a personal cash flow forecasting web app. But still! I'd rather it just appear somewhere so I don't have to put in the effort! -
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I’m
frustrated and disappointed
I would like to add my voice to this feature request for Cash Flow Forecasting. I used (and loved) Microsoft Money mostly because of that functionality. Mint, PLEASE add this feature so Mint.com.
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is anyone from mint going to respond to this idea ..?
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I’m
sad
Unfortunately, I can't use Mint without the cash flow forecasting tool and recurring bills...
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I’m
frustrated
DItto all the above!
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Cash flow forecast is an important feature in a cash flow management tool, as it helps determine the overall cash inflow and outflow in an organization for next financial year. I have been using Concur Breeze for a while and in my opinion, it is one of the leading cash flow management software that helps to resolve mechanics around cash flow forecast. Would recommend you to try it once.
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Without it I will stay with money as long as I can.
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I’m
frustrated
I agree with most- however since this topic has been active for more than a year and nothing has happened, I assume this means Mint has no intention on adding this feature. With Money gone, I have few options now without this feature added....which I'm guessing Intuit is fully aware of. Gee I can use Mint for free (and not get what I need) or I can BUY Intuit's Quicken software. crappy choices....
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If you have an iPhone/iPad/iPod Touch, here's a pretty good (yet simple) app that might help:
http://itunes.apple.com/us/app/my-cas... -
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I’m
frustrated
1. Allow user to identify reoccurring transactions. Let a user tag a transaction as reoccurring and specify the cycle. ( Monthly, weekly, semi-annual, etc.).
2. Allow user to enter manual transactions that are reconciled when the transaction is loaded into MINT. This will allow user to have more up to date information in MINT.
3. collect more information on the credit cards and mortgages. Allow the user to specify credit card payment plans. Do they pay minimum amount, full amount each month or minimum and X percentage or lump amount every month.
4. Show this in a financial calendar (Yodlee.com has a good example of calendar.
These changes will lead to a good cash flow analyzer. -
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I agree that the tool to forecast cash flow in Quicken is complicated. I have not found it to be very useful. This would be a helpful tool to have as part of mint.com .
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I’m
satisfied
As a workaround, I've taken the following steps:
1. Download Microsoft Money Sunset Edition. http://www.microsoft.com/money/sunset...
2. Create bank accounts.
3. Input upcoming bills (ignoring categories entirely).
4. Regularly download QIF file from bank, using it to match up bills.
Thats it! With those four steps, I'm fairly easily able to continue using Microsoft Money for cashflow forecasting. The only annoying extra step is step 4, which used to be automatic when Money was free. -
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I’m
agitated
I hate using two different systems for the same thing. I would even pay a few bucks a month for cash flow forecasting. Come on Mint!
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So, after so many people have shown interest in the subject, Has Mint done anything about it? I recently switched from Windows to Mac just to find out that Quicken for Mac is even worst than Mint and now that I decide to come to Mint, there is no forecast?????? Come on MINT, step it up and at least give us a hint that you are working on this.
Thanks -
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I’m
frustrated
I WALKED AWAY FROM MINT BECAUSE THIS FEATURE WAS NOT AVAILABLE. JUST CAME BACK TO SEE IF IT WAS AVAILABLE.....AND OF COURSE ITS NOT. HOW HARD CAN IT BE?
AND WHERE DO YOU FIND SOME KIND OF RESPONSE FROM MINT AS TO WHY ITS NOT AVAILABLE? -
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I had set everything up here at Mint also, until I learned it didn't have the cash flow forecasting feature. Gotta have it. I've been searching other options since that time. I think I'm going to go with the workaround that Severisth explained above. (THANK YOU! THANK YOU!) =o) That is, if it will install in Vista.
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I’m
Overjoyed!
Severisth, you are a GENIUS and my new favorite person in the world!! I just spent the evening getting my account and bill info put into MS Money Sunset Edition (which even works great on Vista.) I'm once again using my beloved cash flow forecast option. It's so fabulous. I've poked around seeing what other options were out there and none of them have even come close to Money's.
Life is good. =o) Thank you SO much! -
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This would be fantastic! I keep a spreadsheet for recurring paycheck, automatic recurring payments, scheduling recurring payments and scheduling transfers to and from Escrow and other accounts + Mint for tracking detailed spending. Would love to be able to ditch the spreadsheet.
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I’m
really frustrated that I have to tell you
NOT TOO MANY PEOPLE ARE GOING TO MAKE A MOVE AND USE YOUR ANCILLARY SERVICES, UNLESS THEY CAN SEE WHAT TYPES OF EFFECTS PAYING DOWN BILLS WITH HAVE ON........CASHFLOW......IN THE FUTURE!
YOU NEED TO MAKE IT HAPPEN! IT'S BEEN YEARS SINCE PEOPLE HAVE BEEN TALKING ABOUT IT.
WONDERFUL IDEA, MINT. BUT WE QUESTION HOW SMART CAN YOU GUYS BE IF YOU DON'T INCLUDE THIS BASIC FEATURE IN PERSONAL FINANCE???
Using your existing services are great. If I pay less interest on my credit card through a Mint partner, I win. I pay less per month. You end there. But most people want to see how the total cash picture changes in dollars, not just the savings. We want to see how your savings effect total cash flow. You have our data. Extrapolate for God's sake, allowing us to make manual line item changes of course.
How does this make me feel? Like I am talking to a two-year old.- view 2 more comments
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You can smack my knuckles with a ruler, teach. But the fact remains. There are too many people who have been asking for this from day one. They have money to spend. They've told these guys that they would pay for it. It is an essential part of managing money. A 3rd grader can figure that out. My strong opinion is that they've built the equivalent of one of those amazing prototype cars that look pretty but doesn't run yet. I've come to the car show and am being jerked around because I've got little to USE. "Lacking solid plans" and delaying essential services is INTERNAL COMPANY speak, good for top level presentations to try to keep your job. I am a CUSTOMER. I don't care about internal speak. The service does not provide what I want. I am hoping a more competent company sees the hole and plugs it. Period. Then I will take my business there.
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I've been on this message thread a long time and I agree that this feature NEEDS to be added, but I think I have an idea of why it has taken them so long. I was reading a little while ago that Mint used to use a completely different back-end system to connect to all the banks. When Intuit bought them they had to switch over to a different system... Thus a lot of their resources have had to go to that rather than develop new user functionality... Hopefully, they'll be able to recover from the corporate merger soon...
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I’m
Encouraged
I was about to leave Mint for MPower. Would you please include me in this Beta test? Thank you.
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I’m
frustrated and anxious
Yes yes yes.... any updates on this?? Forecasting is a basic element of financial planning. Now that MS Money is gone I'm struggling to find the Cash flow forecasting capability Money offered.... tried Quicken and I don't want to go that route... MoneyDance doesn't have something... I realize this means putting in repeating payments and deposits going forward to get the best view... but that should be part of the budget anyway.... I think most people will go the extra mile to maintain a list of payments just to see forward looking cash flow even if Mint stays out of the online bill pay functionality. I'll stick with Wells Fargo to pay my bills, that's fine.... but GIVE US CASH FLOW FORECASTING.... PLEASE!
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I’m
excited about leaving Mint
Well folks...today is the day I have been waiting for. Yodlee has officially become my financial software of choice. I am going to remove my accounts from my profile today and might even disable this account as well. I really wanted Mint/Intuit to win; I even BOUGHT the Quicken Premium edition hoping to do budgeting and balance forecasting (with software and not in Excel).
For those of you haven't been to Yodlee in while, it has gotten much better. Maybe even too good. There are a TON of tools that can get confusing; however you don't have to use all the tools offered. I'm sure once I learn their software, it will be great. It definately is not for the novice.
Well, I am happy to take off the training wheels and maybe I will see you in the future if Mint ever decides to play with the big-boys (or if Yodlee self-destructs in the same way Quicken Online did).
Later losers! See you on the other side! -
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I love Mint, but the lack of a forecasting tool is the ONLY reason I still use Microsoft Money. Fix this, and I'm a full time user of Mint, and I spend a LOT of time working on the MS Money forecasting and budgeting stuff...
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I’m
fed up!
This is insane. Over two years, and still no viable option for cash flow forecasting from ANYONE. How is it that of over 20 personal finance software developers, no one can replicate what MS Money did? Does Microsoft have a patent on it or something? I fell like I am back in the 20th century with all these workarounds to do something so simple.
Funny thing is, if you go to other sites' discussion boards, you see the same thing. Limited to no response from the developer. I think we should start a conspiracy blog on this. :) It is all the Big Banks' design to keep us in debt and out of control of our finances, or make us buy stuff we don't really need. Yeah, that's the ticket. -
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2I am actually now using pocketsmith.com for my cash flow forecast. It does offer budgeting features, but I have not used them. And it is web based, so you can access it from home or work.
If you are looking for a pure cash flow forecast (known income and expenses from a checking account, for example), I highly recommend it. -
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May be we should just ask Mint for the sourceCode for this part of the application and code it for them.. I am sure the 128 people in this reply thread can together put in a solution together ..:)
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Okay, the Bill Reminder feature is now activated! Seriously - good job. With that in place, I should be able to see some assemblance of a projected cashflow somewhere.....I just haven't found it yet.
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Doesn't look like this feature is coming any time soon. This was the response from Mint on another thread requesting a money calendar:
http://satisfaction.mint.com/mint/top...
Jami (Community Manager) 16 hours ago
Hello all,
I am happy to announce that we've just released the new Bill Reminder feature to all Mint users. You can learn more here:
http://satisfaction.mint.com/mint/top...
While this ne feature is not exactly what was requested, I am going to mark this idea as "implemented" since this is the closest I think we're going to get for a while.
Enjoy!
Best,
Jami
I'll probably abandon my Mint account and try Yodlee or one of the other services mentioned on this thread. -
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I’m
not feeling the magic anymore
1Personally, with two years and no comment, I'm now holding out for Bank Simple. Their "Safe-to-Spend" feature looks like they're at least thinking in the right direction. Fingers crossed.
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2How fricking dare anyone out there make fun of Mint after all it has been through!
All you people care about is..... managing your money with it!
IT'S A WEBSITE! What you don’t realize is that Mint is saving you all this money and all you do is write a bunch of crap about it!!
All you people want is MORE! MORE-MORE, MORE: MORE!.
LEAVE MINT ALONE! You are lucky it even works for you BASTARDS!
LEAVE MINT ALONE!.....Please.
Leave Mint alone!...right now!....I mean it.!
Anyone that has a problem with it you deal with me, because it is not well right now.
LEAVE MINT ALONE!
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1I love Mint but I am also looking for a good web based cash flow forecaster. For those with and iPod or iPhone, I highly recomment the app Balance Forecaster. Its a pure cash flow forecaster and I use it constantly but I need a web based option for the wife who doesnt have an Apple product. If Mint would incorporate a balance forecaster, it would be a perfect financial site.
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2It is interesting how something so simple could be so difficult to implement. Even a basic solution of projecting your income by adding your paycheck and subtracting your "Bill Reminders" would go a long way. This would at least allow you to vision what your income/debt margin is and how it affects your accounts long term.
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1For a company whose premise is built on financial planning, the ability to plan cash flow is simply a necessity. It is great to plan how much I'll spend in a month, it is more important to plan when I'll be able to spend it and pay which bills.
Until then, I'm still using two systems - mint.com and my spreadsheets. -
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I've thought of the same idea.. We need to be given a way to "plan ahead" for a month out or so.
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I’m
frustrated
All that is required is changing the scale on the Net Income over time Trend report for a one month timeframe...not sure what the delay is???-
If it were that easy, there would be no delay :)
Adding a feature like this is a large undertaking judging by the fact that there are 100 posts exactly like this one asking for the same thing and it's still not in. -
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How hard can it be to mimic a simple Excel spreadsheet?
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I’m
frustrated
2Let me just say that I enjoy Mint's interface and some of the features, but the one feature missing and the one that I think is key to Mint's continued success is plan ahead feature. When I first started tracking my finances online, I used Mint. That is...until Quicken Online came along with the plan ahead feature.
Please integrate it into Mint or I will be forced to move on to other software. -
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I’m
frustrated
1not a single employee response to this thread? What does that say about mint.com's commitment to customer satisfaction?
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They've answered this question in a dozen other threads.
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1I just saw an article on Lifehacker about Pocketsmith, so I thought of Mint. I want to use Mint to see forecasts in calendar format!
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1That is awesome! I don't use Mint at all anymore because it's totally useless, but this pocketsmith looks PERFECT for people who actually want to take control of their money and where it's going! Yay!
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1I was also very happy to see that Lifehacker post, thanks Perotoss!
Mint.com has been a great tool in the past, at times, but there have been too many blunders for me to take it seriously. I'd rather pay $10/month for a service that doesn't drop the ball every few weeks. Between institutions going down, missing transactions, and loss of categorical data before May 2011, I've been longing for a decent service that empowers me to fix transactions manually when their scripted importer fails.
Maybe Pocketsmith won't be all it's cracked up to be, but it's certainly worth a try for this frustrated user. -
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1I just took a look at Pocketsmith... don't think I'll be using it but it looks fantastic!! The only thing I don't like is the automatic downloads (having to pay for them)... Not sure I can live without it anymore but I guess it is still worth a shot. Mint really doesn't help a ton with the budgeting, but I love having almost all of my accounts in one place. (mint just needs to get my HSA bank account added..)
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I’m
wondering if this will ever happen...
1Hello Mint -
you've made some improvements since I've last logged on, but where oh where are the Recurring Transactions?
We are waiting...... and waiting.... -
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2Anyone that does not want this feature does not understand the purpose of doing a budget. You will constantly get yourself into trouble if you cannot forecast your cash position. I have been doing this before computer spreadsheets. Then I did it in Excel. Quicken 2011 has a clunky feature for forecasting, but it does not allow you to combine accounts. Everyone should want this feature and they should use it. Help prevent your customers from getting into financial trouble by adding this feature. Look at this as an opportunity to help society.
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1Agree. I'd like to be able to deduct anticipated expenses before they actually were paid, and this is related to the cash flow forecast.Recurring transactions, too. I'm not giving up MS Money just yet!
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3This is the primary feature I'm hoping Mint will add. I too have created a huge spreadsheet to keep track of bills and goals that is honestly more effective for my situation than Mint is. I LLLOVE Mint's interface but if they would only add a forecast feature... I'd switch back.
Being able to glance at the mint app through my phone before buying something would be the creme de la creme.
Someone else mentioned PocketSmith. It's another site with a beautiful interface and budget forecasting appears to be perfectly implemented, but their free version is way too limiting. -
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1I've been waiting YEARS for this feature. Still nothing. I can't go back to Quicken because I hate being tied to my desktop for budgeting info. Am using a cheap little product called BudgetTracker that has managed to do what the giant Intuit can not - let me plan ahead and manage proactively instead of just giving what I already know.
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Hello everyone, we're working on a solution to this exact problem. Sign up for our email list and find out when our app is available: http://www.mytrubalance.com
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I’m
excited
Thank You Perotoss! I came back here hoping to find an update on the cashflow situation, and found Pocketsmith. It is FANTASTIC for forecasting, and the calendar interface is simply perfect.
The free account is a bit small, but I've upgraded and am happy to pay for something I actually want. Am delighted! -
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I’m
frustrated
If Pocketsmith had an iPhone app, user forums like this, didn't look like a small company of folks who look inexperienced, and ?working out of The Distiller, I'd trust them with my info and any reasonable payment for what appears to be the forecasting information I need. Sigh. C'mon Intuit, help me make sure I'm not going to overdraw my account and help me know how that impulse buy today will affect my long range goals and expenses.
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The PocketSmith one is ok, but it's missing a big fat necessary item - being able to mark planned expenses as paid and match them with incoming transactions. This is the ONLY way to see when something that should have been paid has NOT been paid! This is key to helping people catch overdue bills.
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I’m
very very sad that mint.com will not work for me...
2First off, props to mint.com for putting together such a great site to help people manage their finances. There really are a ton of great features, and account integration and the way transactions are tracked and recorded is really very impressive.
However, what a disappointment to find out that there is no cash flow forecasting available. Such a great tool is rendered completely useless to a lot of users due to one very important missing feature.
Looks like it's back to my excel sheet I go... Oh joy! -
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Mint lacks some basic features I require in a budgeting and finance tool. One of them being a cash flow forecast. I need some approximation of where I'm going to be in 30-60 days to help me plan current spending.
Microsoft Money had this down pat. They even had a feature that would (optionally) approximate a budget based on past spending trends, and then incorporate these into the forecast. Quicken isn't as sophisticated, but it's better than nothing. Mint offers... a nicer interface than looking at my bank website directly. -
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I’m
irritated
They don't care! Just like they (Quicken) don't care about Mac users. This program is little more than calling the bank to check your balance. All the money is made having ads pop-up in front of our face.
I want to like this. I want to use this. But the loss of capability going from Quicken Home and Buisness to this is just too much.
Please work on something ..... it's html programing by kids. How hard is it?
Also, to those offering to pay for the service... "ARE YOU NUTS" even quicken only cost a little over $50 and that was only once every three years. This is an app with ADS ... -
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@billcox... it's pretty tough. It's a lot more than "HTML programming", and anyone who knew what went into writing a tool like this would know that.
That being said, c'mon MINT... it's been 3 years... -
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I’m
sickof Quicken's monopoly
2Money had this back even before 2003, where I stayed since nothing more was needed. Of course, Quicken ran that off, and so it no longer can talk to any financial institutions. They have replaced it with a tool missing import and forecasting, throwing us all beck to the stone ages. Simply absurd that Quicken can't even match 10 year old working "prototypes". Mint is useless as any more than a "light peek at accounts" tool, when it [cl]aims to be more. Since you have only two Quicken owned products that can download transactions from [most of] your financial institutions, go ahead and support the monopoly by purchasing Quicken where, somewhere buried in obscure menus I've yet to find what I heard was a weak shadow of what Money 2003 offered me in forecasting. Of course while allegedly Quicken has some forecasting, it refuses to download "non-closed-statement" current activity for some accounts (ones that Mint does), so you still can't get a good up-to-date and forecasting financial picture in one place. Just brilliant. But why do I bother to write? This is obvious, and look how many folks have pointed out the obvious, and yet "nothing". Why would they do anything, they have all our info and can target us. With no competition, what motivation do they have?
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In case it is of help to someone tearing out their hair like me: though not in Mint as noted endlessly, for those willing to support Quicken 2012 Premier I believe the "Cash Flow Forecasting" is now presented via the tab "bills" as "projected balances".
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I just posted a similar idea. I think it's very important.
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1absolutely necessary. Just looking at mint.com today and I'm sorry to say I cannot switch to it until this is implemented.
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Hello,
Why is this issue still on the 'idea' list? It has been 3 years since the original request. I work in the software industry and i would lose my job if I let a critical functionality like this sit for 3 years! I am very disappointed that I spent the time to downldaed and setup your product only to find out that it seems as if you will not be imrpoving it any time soon....-
Doesn't seem like they are going to move on this anytime soon. There used to be another thread about this same topic that was the number 1 most requested feature but it got a little rowdy so mint deleted it. Soon this one will be number 1 too as the other requests get completed, but I wouldn't hold my breath that it will be fulfilled.
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