c in another embodiment the amount to transfer to a savings goal 244 can be based on a percentage of the total amount of funds remaining after all the bills and expenses have been paid for a relevant time period at step 314 the cfm may present via the user interface a cash flow forecast or future balance the cash flow forecast may present in a holistic manner how one or more of the household 39 s income plan payment plan spending budget plan and savings plan will affect the household 39 s cash flow in one embodiment fig3 i the cash flow forecast may show previous and future cfm account 206 balances on a daily weekly monthly or yearly basis or based on any other time period for example the time period may be based on when the household plans to receive funds or make payments or whenever there is a change in the account balance over a certain amount in another embodiment the cash flow forecast at step 314 may present to the user via a user interface a snapshot of the planned and actual budget and cash flow for a given month at a given time for example in fig3 i the cash flow forecast shows the portion of planned income that has actually been transferred to the cfm account 206 in one embodiment this forecast may graphically be represented as a glass tank being filled by a liquid where the tank represents the total amount of cash flow or budget for that account and the liquid fill level represents the amount of cash.