I would like to build software to help folks with their personal finances. One area I would like to tackle is trying to predict future transactions based in past transactions. For instance you might see the electric bill being paid near a certain day of the month. The algorithm would then be able to create future predicted transactions in a forecast that would show that bill being paid on that day. It would do that for all the bills and be able to lay out a cash flow forecast based on it.By cash flow I mean a listing if transactions that are expected to occur in the future based on past patterns. So as in my example, any bills found to pay with certain patterns would continue to follow that pattern.  I think machine learning (ML) is the right tool. I've done a lot of learning in the area but have yet to see something that seems to fit this kind of problem. Any ideas as to what algorithms would be applied? I'm just looking for some nudges in the right direction as to what ML algorithms would be best to look into.I'll back up and try to give more context to the problem. So today if you want to get the benefit of any kind of forecasting tool for your personal finances, you generally are manually entering and then maintaining a list of bills. I would like to eliminate this need. If you look at a checking account, it probably would be evident to you that certain bills pay on certain schedules, even if you weren't familiar with the account. So pattern recognition that humans currently would do fairly easily in simpler cases. Sounds classically ML to me. So I would like to try to apply that. The end desired result from this is a projected cash flow showing what the future checking account might look like if the current trends continued. Please note that the sentiment of not using ML at all is well understood. I disagree and I'm looking for help with the ML. General lectures about the nature of ML and other suggestions about simple averages do not address the question at all. 
Predicting financial transactions
algorithms;machine learning