I have come to the conclusion that the graph offers no real value, despite @hugo promising great things and explaining that it’s baked in to the app to such an extent that it can’t be hidden or removed.
I understood if I had an overdraft facility it would predict when I might go into the red, but it doesn’t do this – the ‘future’ is just a short tail which seems to bear no relation to any actual algorithm.
In having my salary credited to my account in the middle of every month, followed by a succession of direct debits means the graph is scaled to fit a large peak and the main spending bumps along the bottom of the graph area, virtually flat for most of the month, and utterly useless.
Graph feels like an early idea which got lost as the app updated. Will there ever be any point to it?