Net Worth Forecasting models where your finances are headed over the next 12 to 36 months. It projects a trajectory by blending current bank balances, active savings goals, and detected recurring cash flows.
How it works
- Baseline Calculation: Starts with your current Net Worth (assets − liabilities).
- Recurring Events: Injects future recurring bills and income (rent, salary, utilities) at their respective dates.
- Goal Impact: Subtracts target savings allocations and tracks them as reserved assets.
- Discretionary Spending: Factor in your average non-recurring spending pace to simulate cash depletion.
- Explainable Projection: Generates a smooth forecast line that you can trace back to specific upcoming events.
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Limitations
- Forecasts are projections based on historical patterns; they are not guarantees.
- Extreme, unrecorded anomalies (like a large one-off purchase) will skew projections until recorded.
Common Questions
How far ahead can Moza project?
Moza projects up to 3 years into the future, showing a high, median, and low confidence trajectory curve.
Does it update automatically?
Yes — as soon as you add new recurring transactions or modify your goals, the projection curve recalculates in real-time.