Personal Finance Forecasting
Overview
You're on track for $0
Add balances and assumptions to build your projection.
What drives the forecast?
Estimated change from the current forecast.
$0
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What drives the forecast?
Estimated change from the current forecast.
Key Insights
Actionable takeaways from the current forecast.
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Key Insights
Actionable takeaways from the current forecast.
Upload Monthly Transactions
CSV works now. Bank and card account linking can come later.
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Upload Monthly Transactions
CSV works now. Bank and card account linking can come later.
Manual Transaction
Add one-off items when there is no CSV, such as paycheck deposits, taxes, reimbursements, or transfers.
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Manual Transaction
Add one-off items when there is no CSV, such as paycheck deposits, taxes, reimbursements, or transfers.
Posted Transactions
Statement activity for the selected month, grouped into income, expenses, transfers, and net cash flow.
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Posted Transactions
Statement activity for the selected month, grouped into income, expenses, transfers, and net cash flow.
| Date | Description | Amount | Auto Category | Source |
|---|
Import Health
Posted transactions, category cleanup, and statement files.
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Import Health
Posted transactions, category cleanup, and statement files.
Actual Snapshot
Finalized position for the selected month and current year.
Month-End Balance Snapshot
Actual balances for the selected month.
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Compensation Actuals
Use paycheck details and pay cadence to estimate monthly cash inflow.
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Compensation Actuals
Use paycheck details and pay cadence to estimate monthly cash inflow.
Income Adjustments
Use for unpaid leave, one-time income, or salary changes.
Contribution Adjustments
Use for paused contributions or future ESPP/401k percentage changes.
Monthly Fixed Expenses
Recurring expenses that may not appear on bank or card statements.
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Monthly Fixed Expenses
Recurring expenses that may not appear on bank or card statements.
Debt Amortization
Model loan payments by splitting interest expense from principal paydown.
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Debt Amortization
Model loan payments by splitting interest expense from principal paydown.
Advanced: Monthly Statement Ledger
Optional calculation detail for validating the balance roll-forward.
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Advanced: Monthly Statement Ledger
Optional calculation detail for validating the balance roll-forward.
| Month | Balance Source | Income | Expenses | Taxes | Cash Retained | Contributions | Debt Paydown | Net Worth Change | Assets | Liabilities | Net Worth |
|---|
Forecasted Net Worth
Projected future net worth across base, upside, and downside scenarios.
Scenario Comparison
Each scenario applies visible deltas to the forecast defaults.
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Scenario Comparison
Each scenario applies visible deltas to the forecast defaults.
Equity Grants
Create a vesting schedule from one grant, or edit individual events.
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Equity Grants
Create a vesting schedule from one grant, or edit individual events.
Expense Trend
Actual and projected operating expenses, excluding taxes.
Top Categories
Where spending is concentrated for the selected year.
Category Detail
Current month, prior month, year-to-date, annual projection, and share of operating expenses.
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Category Detail
Current month, prior month, year-to-date, annual projection, and share of operating expenses.
| Category | Current Month | Prior Month | Change | YTD | Annual Projected | % of Annual |
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Profile & Currency
Global conventions for formatting, tax defaults, and household planning.
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Profile & Currency
Global conventions for formatting, tax defaults, and household planning.
Forecast Defaults
Baseline assumptions applied across all forecast periods.
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Forecast Defaults
Baseline assumptions applied across all forecast periods.
Category Map
A simple personal chart of accounts: cash flow categories feed the balance sheet.
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Category Map
A simple personal chart of accounts: cash flow categories feed the balance sheet.