Worthic forecasts are built from your real workspace data, not from abstract “what if” guesses. The forecast starts with what Worthic already knows: your accounts, reporting lines, current balances, ownership structure, categorised transaction history, saved budgets, planned one-offs, and account-level forecast assumptions. The aim is to show a grounded view of where cashflow, liquidity, and net worth may move if your current patterns and saved assumptions continue.
For future income and expenses, Worthic first looks for category-level budget settings. If you have set a budget for a reporting line and category, that budget drives the relevant forecast month. Budgets can be monthly, quarterly, or annual; annual and quarterly amounts can be spread across the period or assigned to specific months. If a budget has automatic forward adjustments, Worthic applies those adjustments as the forecast moves into future months. Planned one-offs are then layered on top for unusual future events, such as a bonus, tax payment, insurance premium, maintenance cost, or once-off purchase.
Where no budget line or one-off exists, Worthic does not invent a number. It falls back to actual recent workspace behaviour, using the last three months of transaction history for that category and reporting line as the forecast baseline. This keeps the forecast useful even before every budget has been filled in, while still making properly configured budgets the stronger signal.
The output is shown month by month. You can see forecast income, expenses, one-off income, one-off expenses, net cashflow, cumulative cashflow, savings rate, liquid balance, account movement, and projected net worth. The monthly statement view also breaks down where the forecast came from, distinguishing budget-driven lines, planned one-offs, and historical averages. Account-level rows show opening balance, cash attributed from forecast cashflow, forecast movement, and closing balance.
To improve forecast accuracy, keep transactions imported and well categorised, set budgets for recurring income and expenses, add planned one-offs for known irregular events, maintain current account balances, configure account forecast assumptions where relevant, and decide how forecast cashflow should be allocated across accounts or liabilities, using the Assumptions tab. The better the underlying workspace data, the more useful the forecast becomes.