Here’s how to use Financial Plan day to day — from building your first scenario to keeping it up to date.
How it works
A plan is built from three kinds of inputs you define in a scenario:
- What you own and owe today — your assets (savings, investments) and liabilities (loans, mortgages), each with its own growth or interest rate.
- Recurring income and expenses — your salary, regular bills, and contributions, with optional annual growth rates so they can rise over time.
- Life events — one-off milestones such as buying property, having a child, or retiring, each with its own financial effect.
Your plan combines these into a projection of your net worth (assets minus liabilities) across every period in your chosen horizon.
Where to find your plan
Open the Reports tab and tap the Financial Plan tile.
The first time you open it, you’ll be asked to create a scenario — your plan needs at least one scenario before it can project anything.
Create your first scenario
- Open Reports → Financial Plan and tap Create first scenario.
- Give the scenario a name (for example, “Base plan”).
- Choose a granularity — month, quarter, or year. This sets how every amount in the scenario is interpreted.
- Enter your personal details — your date of birth and planned retirement age (and, optionally, life expectancy and an inflation rate). These drive the timeline and the age shown on the chart.
- Add your assets and liabilities with their current balances and growth or interest rates.
- Add your recurring income and expenses, with optional annual change rates.
- Save the scenario. Your projection is generated right away.
Granularity (step 3) can’t be changed after a scenario is created — pick the level of detail you want up front.
Read your plan
The header shows three things for the period you’ve selected:
- Projected net worth at that point in time.
- The period itself (for example, 2030, Q2/26, or Dec 24).
- Your age in that period.
Below the header is a stacked bar chart of your net worth over time:
- Each bar is broken down by account, with assets and liabilities shown separately.
- For the current period, the solid portion is your actual progress so far and the dimmed portion is what’s still projected.
- Your retirement year is marked on the chart.
- Tap any bar to select that period — the header and breakdown update to match.
Two filters at the top control the view:
- Horizon — how far ahead to look, from a fixed number of periods up to Full (all the way to retirement).
- Granularity — switch the chart between months, quarters, and years.
The Breakdown below the chart lists your assets and liabilities for the selected period. Where actual data exists, each line shows a Fact value next to its projected value, plus how far you are along the plan. Tap any row to drill into the individual accounts behind it.
Add life events
Life events let you model the big moments that reshape your finances. Open your scenario and add an event such as retirement, buying property, a new child, a job change, travel, a loan, an inheritance, starting a business, or moving country — plus a Custom option for anything else.
Each event can carry its own income or expense entries, so its effect flows through the rest of the projection. If you haven’t added any yet, you’ll see a prompt to add your first one.
Compare scenarios
Once you have two or more scenarios, open Comparing from the menu to see them side by side. The comparison highlights how the two paths differ — things like retirement age, peak net worth, and final net worth — so you can weigh one decision against another.
Keep your plan accurate
Real life rarely follows the plan exactly. When your actual results start to drift from your scenario, the app shows a banner suggesting you Actualise plan — this recalculates the scenario using your latest real balances and transactions so the projection stays grounded in reality. You can also trigger it any time from the menu.
Good to know
- One primary scenario. Each space has a primary scenario that anchors your plan. To delete it, first mark another scenario as primary.
- Granularity is fixed. It’s chosen at creation and can’t be changed afterward.
- Save and revisit. A plan can be saved as a named report and reopened from the Reports tab alongside your other reports.
