Abstract: A method includes determining a plurality of payments to be paid from an account over a future period of time. Each of the plurality of payments is associated with at least one due date within the future period of time. The method further includes determining estimated incoming payments to the account for each day of the future period of time. The method further includes determining recommendations for each of the plurality of payments including a specific recommended date within the future period of time on which to pay each of the plurality of payments. The recommended date for each of the plurality of payments is different from the due date of each respective payment. The recommendations are configured to keep the account cash flow positive based on amounts of the plurality of payments and the estimated incoming payments, while satisfying the due date of each of the plurality of payments.