Projections

The Projections page runs a forward simulation of all active scheduled rules against your current account balances. It displays a net worth line chart and cashflow stacked bars showing income versus expenses per time bucket.

How the simulation works

For every step in the projection window, the engine iterates through all active rules with a valid cron schedule — categorisation rules and expired rules are excluded. Each firing rule adjusts the running balance of its source and destination accounts. Money flowing into an asset account from a non-asset account counts as income; money leaving an asset account for a non-asset or liability account counts as expense. Liabilities stored in the database are positive values added back in the net-worth calculation.

The simulation runs in a Web Worker so it doesn’t block the UI. Manual (unscheduled) transactions are excluded. Only rules with active = true and a parsed cron schedule participate.

Date range and granularity

Controls at the top:

• Start date — defaults to today.
• End date — defaults to one year from now. Extend to see multi-year projections.
• Granularity — daily, weekly, monthly.

The internal step size auto-coarsens by horizon: daily steps up to 24 months, 30-day steps from 24 to 60 months, yearly steps beyond that.

Account filter

By default, the chart shows all accounts combined into a single net worth line. Use the account dropdown to view one account’s projected balance in isolation.

What-if rules

What-if rules let you model changes without modifying real automation rules. Each has a name, a target rule, its own Quartz-cron schedule, and a variation percentage applied to the target rule’s amount during simulation. They never touch real data.

Adding a what-if rule

1. Click Add what-if rule.
2. Choose a base rule to modify (or leave blank for a new hypothetical rule).
3. Set the schedule using Quartz-cron syntax and enter the variation percentage.
4. Click Save.

The projection recalculates immediately.

Editing and deleting what-if rules

What-if rules are stored in your local database. Use the edit and delete buttons on each row to modify or remove them.

FIRE calculator

Enable FIRE mode at the bottom of the page to see a Financial Independence target overlay on the chart.

Enter your desired monthly income (prefilled from Preferences → Desired monthly income, editable on-page). WealthMgr calculates the required portfolio using the 4% rule:

requiredPortfolio = desiredMonthlyIncome × 12 ÷ 0.04

It then finds the first projected year where net worth meets or exceeds that target and marks the FIRE year on the chart. A table below shows FIRE year ± 3 years with corresponding net worth and sustainable monthly income (net worth × 0.04 ÷ 12). The chart end-year recommendation equals the FIRE year plus three.