The Net Wealth Forecaster takes the assets and liabilities you’ve already added in your Net Wealth Tracker and projects each one forward year-by-year. You set the growth assumptions; the tool draws the trajectory.
What it does
For every asset and liability, the forecaster applies a simple model:
- Assets (super, cash, shares, property, business, trust, company, crypto): compound growth at the rate you choose. Defaults are sensible per type — 7% for super and shares, 5% for property, 3% for cash — and you can override any of them.
- Vehicles: compound depreciation, defaulting to -10% per year, floored at $0.
- Mortgages and investment loans: standard amortisation. Both Principal & Interest and Interest Only are supported — for IO loans you can set an end-date, after which the forecaster automatically converts to P&I over the remaining term so the loan amortises to zero by the original term end.
- HECS, credit cards, personal loans: straight-line drawdown over a term you choose.
Connected investment portfolios (anything you see on /portfolio) appear as assets in the forecaster too — they’re folded in automatically using the latest portfolio snapshot, so you don’t have to track them twice.
It then sums everything to a net-worth trajectory and renders three views: a stacked area chart (assets above zero, liabilities below zero, net worth as the overlay line), a year-by-year data table, and three KPI tiles (today’s net worth, net worth at horizon, compound annual change).
Capturing loan terms once, reusing them everywhere
When you add a mortgage, investment loan, personal loan, or credit card via Quick Add on the Net Wealth Tracker, you can capture the full loan terms — lender, P&I or IO, repayment amount and frequency, interest rate, term in years, and (for IO) the IO end-date. You can also link a mortgage or investment loan to the property or investment account it’s secured against, in one step.
These terms persist with the entity. Next time you open the forecaster, the rate, repayment, and term auto-fill — you only have to enter them once. Asset rows in the forecaster show a small “Linked: liability name” pill when a loan is attached, opening the liability’s detail page in a new tab so you can inspect or adjust the link without losing your forecast.
What it does NOT do (yet)
This first version keeps the model deliberately simple:
- No tax, inflation, or fees in the projection. You’re forecasting nominal balances, not real purchasing power.
- No contributions or withdrawals — opening balance only. Adding savings rates and drawdowns is on the roadmap.
- No goal targeting — you can’t ask “what monthly contribution gets me to $X by age 65” yet.
- No scenario comparison view — you can save multiple scenarios but currently see one at a time.
Saving and revisiting scenarios
When you click Forecast, the tool creates an immutable snapshot under the scenario name you’ve set. Open the same scenario later (via the Saved scenarios panel below the chart) and you’ll see exactly the same numbers — even if your underlying ledger has changed since. This matters if you want to compare “what I planned 6 months ago” against “what I’m planning today.”
To delete a scenario, click the trash icon in the saved-scenarios list. Saved scenarios are private to your account.
Privacy
Forecasts use only your own ledger data — the same WealthEntity records you added on the Net Wealth Tracker. Nothing leaves your account. Forecasts persist server-side under your user identity and are not shared with your adviser or anyone else unless you choose to share them.
Where it fits
The forecaster lives under Tools → Modelling → Net Wealth Forecaster. There’s also a Forecast button in the top-right of the Net Wealth Tracker page that opens it directly.