Understanding your net worth forecast
How Seed projects what is coming, what the projection is built from, and what it deliberately does not claim to know.
Seed's forward view is built from things you have actually told it or that your accounts have actually reported: planned forecast items, recurring bills and income, current balances, linked debts, savings contributions, and investment holdings.
What the projection uses
- Your monthly forecast items, including anything marked recurring.
- Balances and transaction history from your linked accounts.
- Manual assets and liabilities you have added yourself.
- Recurring charges Seed has detected from your own transaction history.
Making it more accurate
- 1Plan the whole month, not just the big bills. Income that is not planned makes the projection look better than reality.
- 2Match transactions to forecast items so Seed knows what has already been consumed from the plan.
- 3Mark genuinely recurring items as recurring, so they carry into future months.
- 4Add manual assets and debts your banks do not report.
A projection is not a promise
Seed projects from your plan and your history. It cannot know about a bonus, a job change, a market move, or an unplanned expense. Treat the forward line as a working expectation to act on, not a guarantee.
Related articles
Monthly breakdown reports explained
The Insights page has a Past and Future toggle. Past explains what happened, Future warns you about what is coming.
Understanding your net worth on Overview
Net worth is what you own minus what you owe. Here is what feeds it, and how to add the things your bank does not know about.
Building your first monthly forecast
The Forecast page is where you plan income and expenses for a month, then watch real transactions fill the plan in.
How Seed Score works
Four scored components, five tiers, and a weekly pulse of what is helping and what is holding you back.
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