Abstract: A system and method include a financial data storage that stores internal account data, external account data, and transaction data, a communications interface that receives, via a network, external account data from an external data source and transaction data from a merchant, a database manager that cooperates with the communications interface to store the received external account data in the financial data storage and the received transaction data from the merchant, an account balance prediction processor that determines a recurring financial transaction based on at least one of: the internal account data, the external account data, and the transaction data, determines recurring income data based on at least one of: the internal account data and the external account data, determines a predicted financial transaction using a predictive model based on the at least one recurring financial transaction, a prediction time period, and at least one trending data, determines a predicted income using a predictive m