Financial Forecasting

Financial Forecasting

Forecasting projects your future cash flow and net worth using current balances, recurring activity, and planned changes. The cash flow forecast is on Basic. Every plan includes a net worth forecast.

Set Key Assumptions

A one-time transaction is not a forecast input. On Basic, model one dated purchase in Cash Flow what-if, or change the recurring item if the amount repeats.

Choose a Time Horizon

Review forecasts over weeks, months, or years depending on your planning needs. Shorter horizons are best for cash flow, while longer horizons show net worth trends.

Decision templates

The Decision Hub provides guided entry points for major life decisions — buy a home, rent vs. buy, retire early, quit your job, start a company, or move abroad. Each template shows tier requirements, steps, and limitations before you start.

Housing decisions use dedicated tools: the Rent vs. Buy calculator (full total cost of ownership comparison), the Home Purchase wizard (property + loan setup; Basic+), and the Housing hub for both. See Rent vs. Buy Decision Wizard for modeled costs and disclaimers.

Life and career decisions have dedicated wizards and help articles: Retire Early, Quit Your Job, Start a Company, and Move Abroad.

What-If Analysis

Cash flow what-if is on Basic. On Cash Flow → Forecast you can adjust bills and income and add one-time items. Basic includes 1 saved what-if. Premium includes unlimited saved named scenarios. There are no Conservative, Baseline, or Aggressive scenarios.

What a range of possible outcomes means

A range of possible outcomes is on Basic. It shows a lower path, a typical path, and a higher path under your rates and contributions, plus standard market-swing assumptions unless you set your own. It is a planning range, not a prediction. Outcomes outside it are possible.

What is Monte Carlo depth?

Monte Carlo forecasting runs the same plan many times with different possible market-return paths, contribution timing, and balance outcomes. Instead of showing only one straight-line forecast, it shows a range of outcomes so you can see how sensitive a plan is to uncertainty.

Monte Carlo depth is a planning aid, not actuarial advice, financial advice, or a guarantee. The results depend on the assumptions you enter, the account data available, and simplified modeling choices; they do not predict future markets or certify that a plan will succeed.

Review and Adjust

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