Forecast & Projections¶
The Forecast shows where your financial plan is heading. Tally Up projects your assets, income, and expenses forward — by default for 30 years — and shows you the likely trajectory of your net worth over time.
What the forecast shows¶
The forecast presents a year-by-year view of your projected financial position:
- Net worth — total asset value at the end of each year
- Cash flow — income received versus expenses paid in each year
- Asset breakdown — how each asset grows, draws down, or changes over time
- Operational cash — available spending money after funding expenses and liabilities
What drives the forecast¶
The projection is built from everything in your plan:
| Input | How it is used |
|---|---|
| Asset current values | Starting point for each asset's trajectory |
| Return / interest / dividend rates | How each asset grows year-on-year |
| Income entries | Cash flowing into the plan each year |
| Expense entries | Cash flowing out of the plan each year |
| People (retirement dates, tax residence) | When income changes and which tax rates apply |
| Funding Rules | Which assets are drawn on to cover expenses |
| FX rates | Converting multi-currency assets to base currency |
The forecast recalculates automatically whenever you change any of these inputs.
Reading the chart¶
The main forecast chart shows projected net worth by year as a bar chart. Each bar is colour-coded by asset type, so you can see at a glance which assets are growing, which are being drawn down, and how the mix changes over time.
Tap or click a year to see a detailed breakdown: opening and closing balances for each asset, income and expense flows, and the transactions the forecast engine generated for that year.
Cash flow view¶
The cash flow view shows projected income versus projected expenses year by year. The gap between the two — positive or negative — indicates whether the plan is generating a surplus or requires assets to be drawn down in that year.
What If mode¶
To test different scenarios without changing your plan, use What If mode. Adjust assumptions — growth rates, retirement age, income amounts — and see immediately how they affect the 30-year projection. Changes made in What If mode are not saved to your plan.
Tips¶
- The accuracy of the forecast depends on the quality of your inputs. A realistic growth rate for investments and an honest estimate of living costs produce more useful projections than optimistic assumptions.
- Use What If mode to test the sensitivity of your plan to changes — for example, how much earlier you could retire if investment returns are 1% lower than expected.
- The forecast is a planning tool, not a guarantee. Revisit and update your inputs as your circumstances change.