See your net worth two years from now.
Let's Save fits a trend to your past monthly income and spending and carries it forward, with a band that gets wider the further out you look. Then you can see what happens if something changes.
Net worth forecast
A trend line, a band, and your own what-ifs
The projection comes from your monthly totals. The band shows how far real months have strayed from the trend, and scenarios let you compare changes side by side.
We total each full month of income and spending, then fit a least-squares trend to it. Transfers between your own accounts are left out.
The shaded band covers about 68% of likely outcomes. It gets wider the further ahead you look, because the future gets less certain.
Keep the default projection in one tab and your saved scenarios in others. Changes you haven't saved yet survive switching tabs.
What you can do with it
Built from your own transactions, not from guesses about the market.
A band that widens
High, middle and low projections for 6, 12 or 24 months, spreading further apart the further ahead they go.
What-if levers
Add a raise, trim a category or put away an extra amount each month, and the chart redraws straight away. A category can't be cut below what you actually spend on it.
Saved scenarios
Save a what-if as its own tab. If you're on a savings plan, its scenario comes first.
It keeps up with you
Each new month of transactions feeds into the trend, so the forecast follows your real spending.
Category outlook
See where each spending category is heading at 3, 6 and 12 months, and which ones are growing fastest.
Fast, and never out of date
Forecasts are cached so they load quickly, and adding or editing a transaction clears the cache straight away.
How it works
Three steps from your history to a forecast.
We total your months
Your categorised income and spending, month by month, sets the starting point.
You move the levers
Try a raise, a cut or an extra monthly saving. It's all worked out in your browser, so nothing in your data changes.
Compare scenarios
Switch between the default projection, your savings plan and your own what-ifs before you decide.
See where your money is heading
Run the forecast and try a few what-ifs. The forecast is part of Plus and Pro.