NetWorth+ shows you where it is going. A projected net worth with its assumptions written on the front of it, a day-by-day cash-flow forecast that catches the three-day hole between rent and salary, and a what-if tab that answers “can I afford this?” with facts instead of a verdict.
Four tabs, one question each
What the Forecast screen answers
In short
Forecast is a screen in NetWorth+ that projects your finances forward from the ledger you already keep. It has four tabs. Outlook projects net worth at 3 months, 1 year and 5 years in three bands — conservative, expected and optimistic — built around a return rate you state rather than one the app invents. Cash flow projects your liquid balance day by day for the next 90 days, so a bill leaving on the 25th and a salary arriving on the 28th shows up as a three-day shortfall rather than being netted away by a monthly average; it also reports safe-to-spend and how many months you could cover if income stopped. What if re-runs the same engine with one input changed — more income, less spending, or a large purchase — and reports the difference. History is the analytics view of what actually happened. Every projection carries a confidence score with the reasons behind it, and every assumption is shown alongside the figure it produced. No bank connection is required.
Cash-flow horizon
90 days, day by day
Net worth horizon
Up to 5 years
Bank login
Not required
Cost
Free, no ads
The problem
Most budgeting apps model a month as one number in and one number out. Real money does not arrive that way.
Rent leaves on the 25th. Salary lands on the 28th. Between them is a three-day gap that a monthly model cannot see at all — it nets the month to a comfortable surplus and says nothing, while you are the one moving money between cards to get to Friday.
This is why the cash-flow half of the NetWorth+ forecast is measured in DAYS, not months. Dated commitments are charged on their own dates. Everyday spending is spread across every day. The lowest point in the window is reported as a figure with a date attached, because that is the only form of the answer you can act on.
“What is my net worth in five years” is a monthly question. Every input recurs monthly and a day-level answer would invent precision none of them have. So the projection is monthly, the cash flow is daily, and the app does not pretend they are the same screen answering the same thing.
Outlook
Conservative, expected and optimistic, spread around the rate you stated rather than three rates the app picked. A single line reads as a prediction. Three read as what they are — a range.
Four milestones read off one curve, so a three-month figure can never disagree with the five-year one. They are literally the same numbers the chart is drawn from.
Typical income, typical spending, saving rate, how many months were averaged, and the return you assumed. Change one and the figure changes in front of you. Nothing is read from a setting at display time.
The default is zero. An app that suggests 8% is making a claim about markets. With no rate set, the curve shows accumulated savings — the one part of a forecast that does not depend on anything unknowable.
Cash flow
What is genuinely spare after the commitments the app already knows about are covered. Investments are excluded on purpose — a forecast that counts a portfolio as available for next week's rent would never report a shortfall, which is the one thing it exists to do.
Not just the closing figure. The dip in the middle is the one that costs you a fee, and it is the one a monthly summary hides.
How many months your liquid money covers your actual spending if the salary stopped tomorrow. A useful number to know before you need it, and one almost no consumer app reports.
Rent, EMIs, scheduled transfers and expected income are charged on their own dates. Everyday spending is spread over the rest — and deliberately excludes anything already counted as a dated bill, so nothing is charged twice.
What if
Move a slider and watch both curves at once — the one you are on and the one a raise would put you on. The gap is the answer, and it is stated in your reporting currency.
The same, downward. Useful for deciding whether a subscription cull is actually worth the annoyance, or whether the real money is somewhere else.
A car, a ticket home, a deposit. The app reports what cash you are left with, whether that is under the emergency fund you set, whether a shortfall appears in the window, and what it does to the long-run figure.
There is no green “Affordable” badge. NetWorth+ states what happens and leaves the judgement to you — a recommendation engine is a different product with different obligations, and we are not it.
Both produce a number to the cent, and showing them identically is the most dishonest thing a forecast screen can do. Every projection in NetWorth+ carries a confidence score — low, medium or high — built from things the app can observe: how many months of ledger exist, whether income looks regular, how many recurring commitments are known, and whether you have stated a return expectation. The reasons travel with the score, because “Low” on its own is a shrug, while “Low, because there is one month of history and no recurring income detected” tells you exactly what would improve it.
Under the hood
These are not academic. Each one produces a figure that looks perfectly reasonable and is wrong by a wide margin.
Pay 2,000 against a loan: your cash falls by 2,000 and your debt falls by the principal portion — say 1,700. Net worth falls by 300, which is the interest. That is the true cost of the month. Model it as an expense only and every borrower's forecast is far too pessimistic; model it as a debt reduction only and the repayment becomes free money. NetWorth+ keeps both halves.
A flat yielding 5% rent puts cash in your account every month: it raises income, lengthens runway, and can be spent. A fund appreciating 5% raises net worth and produces no cash at all. Treat appreciation as income and an app will tell you that you can safely spend money that exists only on paper — which is the worst thing a personal finance app can do. NetWorth+ asks which one an asset is, and the answer changes what the forecast does with it.
Only investment balances have a return applied. Cash in a current account does not compound, a property is not revalued from a market rate the app cannot know, and applying a portfolio return to a car would produce a number the arithmetic could not tell apart from a real projection. Everything else sits still and rises only when you add to it.
If there is not enough history for a category trend, the app says so rather than reporting “flat” as though spending were steady. If a five-year milestone falls outside the projection, it is left out rather than shown as zero — a row reading 0 would be read as a prediction of ruin rather than an absent value.
Compared
| Typical forecasting app | NetWorth+ | |
|---|---|---|
| Bank connection | Required — the forecast is built from synced transactions | Not required. Built from the ledger you keep, however it got there |
| Where it works | Mostly US, UK and Australia, tied to supported institutions | Gulf, India, Southeast Asia and beyond — there is nothing to support |
| Multiple currencies | Usually one, or converted at today's rate throughout | Each account in its own currency, each past transaction at the rate of its day |
| Money owed between friends | Not modelled | An asset or a liability, and it is in the forecast |
| Loans and EMIs | Often a flat monthly outgoing | Split into interest and principal, so net worth moves correctly |
| Return assumption | Frequently chosen for you | Zero until you state one. Then three bands around your number |
| Confidence | Rarely stated | Scored, with the reasons shown |
| Price | Commonly a subscription | Free |
Compiled from publicly available product pages and documentation in 2026. Products change; check the current terms of anything here before relying on this table.
Where the numbers come from
Accounts, cash, cards, loans and assets resolving into the one figure the projection starts from.
See howThe fastest way to get months of history into the ledger, read on your phone and approved by you.
See howWhy a forecast across three currencies is only honest if each past transaction kept its own rate.
See howWhere this applies
The forecast does not depend on a banking integration, which is why it works in places the well-known forecasting apps do not reach at all.
NetWorth+ also covers India, Singapore, Malaysia, the Philippines, Thailand, Vietnam, the United Kingdom and the United States. Currency handling is not limited to the list above — three-decimal dinars and zero-decimal currencies are treated correctly rather than being forced into two decimal places.
Questions
Keep reading
Goals forecast against what you actually save — including whether five 'on track' goals together exceed one real surplus.
Read moreSplit, settle, and have the balance land in your own net worth rather than in a separate app.
Read moreWhat the loan actually costs each month, and the date it finally ends.
Read moreUneven invoices, and a runway figure that means something when income is lumpy.
Read moreStatement dates, minimum due and the real balance, forecast on the actual cycle.
Read moreWork out today's figure in the browser first, then track it forward in the app.
Read moreFree on Android. No bank login, no subscription, no ads. Add your accounts and the forecast builds itself from the ledger you already keep.
Android. No bank login. No ads. Message reading is optional and off until you switch it on.