Abstract: This disclosure describes techniques that include a method for estimating healthcare costs, the method comprising applying, by a computing system, a machine learning (ML) model to a user subgraph of a current user to generate an estimated healthcare cost of the current user for a future time period, wherein the user subgraph of the current user is graph data comprising nodes and edges that represent information associated with medical care of the current user; and generating, by the computing system, a user interface including a budget for the future time period that includes the estimated healthcare cost and a list of selectable medical expense categories, wherein each of the selectable medical expense categories includes an associated cost.