Cash flow forecasting and unusual transactions

Fintag projects your upcoming balance from the transaction flow of your linked accounts. It also flags transactions that differ from your usual pattern. You can find it under Financial Insights (금융 인사이트) → Cash Flow Forecast (현금흐름예측).

Note

Available on paid plans (Light and above).

Getting started

1. The first time you open it, a consent screen appears. Check which data is used and how. Agree to continue.
2. If no account is linked yet, link one first.
3. Press Run forecast now (지금 예측 실행하기). It usually takes 1 to 2 minutes. You can move to another screen while it runs.
4. You are notified when it finishes.

From then on, the forecast is refreshed automatically every night. To recalculate right away, press Refresh now (지금 갱신).

What you see on the screen

Available cash, burn rate, and runway with the forecast chart

Three figures

• Available cash (가용 현금) — The money you can spend right now
• Monthly burn rate (월간 번레이트) — Average spending over the last 3 months
• Cash runway (현금 런웨이) — How long your funds last at the current spending rate

Forecast chart You can view it over 30-day, 90-day, and 1-year ranges. The red band means there is an 80% probability that the balance falls within that range.

AI analysis It summarizes your past transaction flow. It points out moments worth watching. It also tells you how much financial headroom you have. And it shows how tags influenced the forecast.

Unusual transactions (이상거래) It flags large transactions at night or on weekends. It flags large payments to new counterparties. It flags a tag whose spending spikes. If a transaction is legitimate, press Mark as normal (정상 거래로 표시). From the next forecast on, that transaction is no longer flagged.

Making the forecast more accurate

• Link every account your company uses, without exception.
• Tag your transactions. Accuracy drops when there are too few tags.
• Link the settlement account for your cards as well. If you do not, card payments are left out of the forecast.

Testing what-if scenarios

You can ask about hypothetical situations in AI agent.

• Show me what happens to the balance if revenue drops 20%
• How much longer is the runway if I cut fixed costs by 10%
• What happens if 50,000,000 KRW of extra spending is added next month?

When to use this

• Check your runway before negotiating an investment round or a loan.
• Check the balance at that point in time before setting a payment schedule.
• On Monday morning, start by reviewing last week’s unusual transactions.