/balance_estimateendpoint projects future balances in an account. Using proprietary modeling based on Quovo’s Income + Expense analysis, Balance Estimator uses a robust combination of cash flow patterns, account characteristics, and AI methodologies to return a likely range of account balances for a given date. A key use case of this product is to reduce risk of insufficient funds and give you greater confidence that transactions and debits will clear successfully once they’re initiated from an account. Balance Estimator requires two parameters: Quovo account_id and the estimate_date , which is the future date for which you’d like to estimate a projected account balance. In order to generate projections, we run multiple simulations that test various scenarios. By leveraging our Income + Expense analyses of cash flow patterns, as well as general account trends and latent variables, we generate a balance estimate.