Step 01
Step 1
Mukodi forecasts next month's spend per category from your last six months of data.
AI InsightsRetail
Spending forecast & budgets.
Forecast next month's spend by category and set envelopes that flex with your real life.
The problem
Why this exists.
Fixed monthly budgets break the first time a wedding, a hospital bill, or Diwali arrives.
Useful budgeting forecasts what you are likely to spend and warns you when reality diverges, not when you cross an arbitrary number.
How it works · 3 steps
From input to outcome.
- Step 02
Step 2
Pick category envelopes that match the forecast or override them.
- Step 03
Step 3
Get a banner when actuals diverge from the P10-P90 forecast band — not on a fixed-number crossing.
Under the hood
The models and routes behind it.
Models called
API routes
- GET /api/v1/budget
Compliance posture
- Forecast bands replace point predictions; missing one day is recoverable.
- Read-only — Mukodi never moves money to enforce a budget.
- DPDP §12 — envelopes are local to your account and erasable on request.
What it's not
Forecast bands narrow what is likely, not what is guaranteed. A surprise expense outside the band is exactly the kind of moment we want to flag, not punish.
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