A couple of points:
You don’t agree to “buy it today”, you “agree to buy” it today. Both exchange of payments and assets take place in the future
The price of a future isn’t determined by prediction any more than the asset is. The price of a future is given explicitly by the price of the underlying, suitably adjusted for cost of carry and cost of financing
MoneyDashboard.com—links directly to my credit cards and bank accounts. I hear that the US equivalent is mint.com