1. A system comprising: 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 recurring financial transaction, a prediction time period, and at least one trending data, determines a predicted income using a predictive model based on the recurring income data and the prediction time period, and calculates a predicted account balance based on a plurality of predicted financial transactions and the predicted income; wherein the account balance prediction processor evaluates the internal account data, the external account data and the transaction data and applies seasonal, demographic, and geographic trend factors to calculate a volatility factor of credits and debits associated with an internal account that provides confidence associated with the predicted transactions, income data, and account balance; provides a range associated with each of the account balance and predicted financial transactions and income data to illustrate a first end prediction and a second end prediction associated with each of the predicted transactions, income, and account balance, the range based on the calculated volatility factor; presents a predetermined list to an account holder mobile device to receive a selection therefrom indicating whether the internal account data, external account data, and the transaction data includes a one-time transaction or the credits and debits are recurring; and prompts, based on analyzing related financial transactions across a set of account holders, the account holder mobile device to receive a selection therefrom for likely missing financial transactions including whether there is a related recurring financial transaction; a transaction monitor that receives actual financial transaction data and actual income data, compares the actual financial transaction data with the plurality of predicted financial transactions, and compares the actual income data with the predicted income data; an alert transmitter that generates and transmits in real time, via the network in cooperation with the communications interface, an alert to the account holder mobile device indicative of a change in available funds, an alert to the account holder mobile device when a predicted financial transaction and/or income data has been matched with an actual financial transaction and/or income data, the matching based on one or more fuzzy matching algorithms; and an alert to the account holder mobile device when a predicted financial transaction and/or income data has not been matched with an actual financial transaction and/or income data within a predetermined time period; and a machine learning processor that continuously adjusts calculations of the predicted financial transactions and income.