A little perspective. A better decision.
Projection length
Projected totals
Net after 24 months
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- Net worth
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- Average cash kept per month
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Detailed totals
- Total income
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- Total expenses
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- Kept per month, on average
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- Things you own are worth
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- You still owe
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- Paid into investments
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- Investments are worth
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- Net profit
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- Total after 24 months
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Cash starts at zero. Net worth adds investments and assets, then subtracts outstanding debt.
Cash and total worth are before investment tax, including after a sale. Only net profit applies the tax rate shown in the assumptions.
Scenarios side by side
Data
A loan counts against what you are worth until it is repaid. If it bought something you still have — a flat, a car — add that as “Something you own”, or the total is only half the story.
How this works
Comparing two scenarios only tells you something if they differ in one place. Use the link button to keep a field the same everywhere — your income does not change because you decided to invest.
Months are counted from today, which is month 0 — so “from month 6” is half a year out. Leave a box empty and the field runs for the whole projection. Anything less frequent than monthly counts its period from where it starts.
Name each amount, say whether it comes in or goes out, how often it lands, and how much. A loan works out its own repayments, an investment grows at the rate you give it, and something you own simply holds its value. Give an amount a rate and it climbs by that much every year.
Anything less frequent than monthly lands at the end of each period — a yearly amount at month 12, 24, and so on.
Amounts are in your own currency. The app never converts them. A Google Drive backup is made only if you connect.
Active advanced settings
These rules still apply in Simple mode. Open an item to edit its dates, conditions or rate.
How money behaves
These apply to every scenario at once, which is what keeps two scenarios worth comparing.
Rates on balances are nominal annual percentages divided by twelve. The rate on a repeating amount changes it on each anniversary.
Cumulative over time
Enter income and expenses to project the months ahead.
How this works
The flow charts share one vertical scale, so they can be read against each other. Month 0 is today: nothing earned, nothing paid — though what you already own and already owe counts from the start. Money put into an investment counts as paid out; what it is worth is a balance, not a flow, so that card carries its own scale. The total sits back on the shared scale, so the gap between it and the net is everything the balance sheet adds.
When does that happen?
How this works
A target is a figure to watch for, not a rule the scenario obeys: the projection runs as it always has and the app reads off the first month the scenario you are looking at is there. Switch scenarios and every answer is worked out again.
A rule marks a month and nothing else. It is drawn in the same place on every card, because a month is a month, and it says nothing about the curve it happens to cross. A total that climbs past its figure and falls back again is marked once, where it first got there — the cards show the rest.
Only an amount or a rate can be solved. Each answer is checked by running the complete scenario again. If events depend on targets, the answer is one checked example: larger or smaller figures can change when those events happen. Nothing is applied to your scenario automatically.
These targets move each other, so there is no month that is its own cause. Give one of them a figure that does not depend on the other, or set its month by hand.
Some fields refer to a missing target. Their settings show the broken link; choose a month or another target to repair it.
Where the money goes
How this works
Everything that comes in over the whole projection, pooled, and where it ends up. Only money that actually moves is here — what an investment grows to, or a flat gains, is on the cards above.
What moves the needle
How this works
This is what your scenario is sensitive to over the length you are reading it at, not a general truth about money. Pull the projection out and the order changes: the three scenarios the app opens with swap theirs somewhere between twenty years and forty.
The swings do add up. Every amount enters the model on its own, so moving two of them moves the figure by both, to the cent — and that is exactly the limit of the list rather than a flaw in it: it will rank a mortgage and the house it bought one above the other without ever being able to say they were one decision. Profit is the exception, because the tax falls on the gain as a whole rather than on each part of it.