How it works
See your balance before it happens.
Most money apps tell you what already happened. Fylo does the opposite: it reads what is coming and draws it as a line, so a low point weeks away is something you notice now, not an overdraft you find out about later.
01
Connect
You link your accounts through Plaid, read-only. You enter your bank login with Plaid, never with Fylo, and Fylo receives a token that can read your transactions and balances and nothing else. No passwords are stored, and there is nothing for Fylo to write back to your bank.
02
Project
Fylo reads the rhythm of your money — the paychecks that land on a schedule, the rent and bills that leave on theirs — and projects your next 30 to 90 days forward from your current balance. The line on the chart is that projection: every known income and bill, added and subtracted day by day.
03
See danger days
Where that line crosses below zero is a danger day: a point where your projected balance runs out before the next paycheck arrives. Fylo marks it in red and tells you how far away it is, so you see the shortfall while there is still time to do something about it.
04
What you do about it
Knowing a dip is coming is what makes it avoidable. You can move a payment, hold off on a purchase, or test a change — the dashed line on the chart shows how a different month would look. The forecast updates as your accounts do, so the picture stays honest.