Abstract: An automated system and method are provided for accurately modeling spending. In the system and method, invoice information and payment information are received at an interface. A processor, coupled to the interface, automatically generates a distribution in response to the invoice information and the payment information. The generated distribution is automatically transformed by the processor. Spend information for a specified period of time is received at the interface; the spend information specifies a spending amount. The processor automatically spreads the spending amount over the transformed distribution.