Personal cash flow & net worth forecast

Forecast your personal cash flow over the next 12 months and project your investments and net worth over the next 10 years.

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12-month forecast

	Aug 2026	Sept 2026	Oct 2026	Nov 2026	Dec 2026	Jan 2027	Feb 2027	Mar 2027	Apr 2027	May 2027	Jun 2027	Jul 2027	Total
Opening bank balance		£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0
Income
Salary													£0

Total income	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0
Core outgoings
Rent/mortgage													£0
Groceries													£0
Council tax													£0
Energy bills													£0
Water													£0
Phone													£0
Insurance													£0
Transport													£0

Total core outgoings	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0
Other outgoings
Eating out													£0
TV subscriptions													£0
Shopping													£0
Holidays													£0
Hobbies													£0

Total other outgoings	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0
Total outgoings	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0
Surplus/deficit	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0
Closing bank balance	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0	£0

What does this tool include?

A monthly personal cash flow forecast covering the next 12 months.
Income, regular spending, one-off costs and opening cash balance inputs.
A 10-year projection of cash, investments and net worth.
Fixed investment contributions or investing a chosen share of annual surplus.
Optional annual income growth, expense inflation and investment return assumptions.
Editable annual projection values so you can compare different personal finance scenarios.

What is this tool for?

Use this personal cash flow and net worth forecast when you want to understand how income, spending, saving and investing decisions could affect your finances over time.

It is a planning model rather than financial advice or a prediction of investment returns. Returns are hypothetical and do not include tax, fees or product-specific charges.

Assumptions

Amounts are entered as monthly cash amounts by the user.
The first month's opening balance is the starting cash balance; later opening balances are carried forward from the previous month's closing balance.
Outgoing rows are entered as positive amounts and subtracted from cash flow.
The 10-year forecast uses the 12-month forecast totals as year one.
Annual income growth is applied to income rows and annual expense inflation is applied to core and other outgoing rows after year one.
The 10-year forecast invests the selected percentage of annual surplus unless a paid-in investment cell is edited.
Edited annual income and outgoing cells override the calculated amount for that year, with later years growing from the edited value.
Investment contributions and withdrawals entered in the 10-year table are modelled as monthly transfers for compounding purposes.
Redirected non-core spending is assumed to be invested monthly at the selected annual return, compounded monthly.
Investment returns are hypothetical and exclude tax, platform fees, fund charges and product-specific rules.

Common questions

What does the personal cash flow and net worth forecast show?

It shows your expected monthly cash position for 12 months, followed by an annual 10-year projection of cash, investments and net worth based on the assumptions you enter.

How far ahead can I forecast my personal finances?

The first part of the tool forecasts monthly cash flow for 12 months. The longer-term view then projects annual cash, investment and net worth figures for 10 years.

Can I model investing my surplus cash?

Yes. You can model fixed investment contributions or invest a selected percentage of annual surplus, then adjust annual figures where your plans differ from the starting assumptions.

Is this an investment recommendation?

No. The investment and net worth figures are hypothetical planning estimates. They do not recommend a particular product or account and should not replace regulated financial advice.