Forecasts help you explore how your finances may develop if your current plans and assumptions continue. Open Insights → Forecasts to view the projection.
Worthic starts with your current account, asset, investment and liability values, then projects each future month using expected income and expenses, account growth or balance adjustments, and any allocation of free cashflow. Forecasts are calculated in the workspace reporting currency and respect reporting-line access, account links, ownership percentages and user permissions.
A forecast is a planning scenario, not a guarantee. Its usefulness depends on the quality of the balances, transactions, budgets, one-offs and assumptions behind it.
Choosing a forecast period
Use the horizon selector above the net-worth graph to choose:
- 3 months
- 12 months
- 3 years
- 5 years
Changing the horizon recalculates the summary figures, chart and monthly forecast table. Twelve months is the default view.
What the summary shows
The summary cards highlight four key results:
- Projected net worth: expected net worth at the end of the selected horizon, together with the projected change.
- Monthly net: average forecast income less expenses.
- Savings rate: average forecast net cashflow as a share of forecast income.
- Lowest cash point: the lowest combined projected balance of transactional accounts and the month in which it occurs.
The lowest-cash figure is particularly useful for spotting future liquidity pressure even when the overall net-worth trend remains positive.
How forecast cashflow is calculated
Worthic builds forecast income and expenses category by category:
1. Recurring budgets are the primary source. Their monthly, quarterly or yearly period, allocation method and auto-adjustments are applied to each relevant month.
2. Planned one-offs are added only in their scheduled months.
3. If a category and reporting line has no active budget, Worthic uses its average actual cashflow from the previous three periods.
This fallback means Worthic can produce a forecast before every category has been budgeted. However, deliberate budgets and one-offs normally provide a more reliable plan than historical averages alone.
Select the income or expense total in a monthly Forecast statement to see the underlying source for each category, reporting line and amount. Worthic identifies whether a value comes from a saved Budget, planned item, historical average, AI suggestion or template.
Net-worth trajectory
The Net worth trajectory joins available historical net-worth points to the forward projection. Historical values and forecast values use different styling, making the transition from recorded data to projected data clear. Hover over a point to see its date and value.
Projected net worth reflects:
- Forecast cashflow
- Current account and asset values
- Investment return assumptions
- Balance auto-adjustments
- Liability repayments
- Cashflow allocations
- Currency conversion and ownership percentages
Keeping account balances, valuations, links and ownership details current improves the starting position and therefore the entire projection.
Monthly forecast
The monthly table breaks the forecast into:
- Income
- Expenses
- Net cashflow
- Valuation movement
- Projected net worth
Valuation movement represents changes produced by account forecast assumptions or automatic balance adjustments rather than the month’s cashflow.
Select the detail icon beside any month to open its Forecast statement. This shows opening balances, attributed cashflow, forecast movement and closing balances for accounts, assets and liabilities. You can move between months or aggregate the statement over 3 months, 12 months, 3 years, 5 years or a custom date range.
The statement’s Income and Expenses cards open a further drill-down showing the budget, planned or historical source behind each amount.
Forecast assumptions
Select Assumptions above the monthly forecast to review how Worthic expects accounts and investments to move.
In Accounts and investments, each account shows its starting value and current assumption. Assumptions are maintained in the account’s settings and may include:
- A percentage return or decline
- A fixed-value increase or decrease
- Monthly, quarterly or annual application
- A balance-tracking auto-adjustment
- A flat value when no movement assumption is set
Return assumptions and balance adjustments affect projected values only. They never update actual balances or create transactions.
For investments or other return-based accounts, Worthic applies the configured growth or decline over time. For balance-tracked assets and liabilities, it applies the configured automatic movement. Linked investment cash accounts are included with their parent investment so they are not double-counted.
Cashflow allocation
In Assumptions → Cashflow allocation, you can direct forecast free cashflow to specific accounts—for example, savings, investments or debt.
Enter the percentage to allocate to each account. The combined allocation cannot exceed 100%; any remainder stays unallocated in the forecast. Allocations change projected balances only and do not move real money.
An allocation to a liability is treated as an additional repayment. You may select another account to receive that allocation after the liability reaches zero. This lets a debt-repayment strategy automatically redirect future surplus to savings or investments once the debt is cleared.
Exports
Use the CSV action above the monthly table to export the forecast summary. Within a Forecast statement, use the CSV action to export the selected month or period, including summary values, cashflow sources and account movements. Exports use the active horizon, scope and reporting currency.
Improving forecast quality
For a more useful projection:
- Keep account balances, investment values and liabilities current.
- Set recurring budgets for categories where the future should differ from recent history.
- Add known exceptional income and expenses as planned one-offs.
- Review account return and balance-adjustment assumptions.
- Allocate surplus cashflow according to your intended strategy.
- Check reporting-line, account and ownership links.
- Revisit the lowest-cash point after making changes.
Understanding limitations
Worthic does not predict markets, exchange rates, emergencies or spending decisions. It projects the information currently recorded in the workspace. Historical fallbacks assume recent patterns continue; return assumptions compound; planned one-offs occur exactly when entered; and unallocated cashflow contributes to the overall projection without being assigned to a particular account.