Cash flow & net worth
A month-by-month look at your cash flow and net worth across your whole horizon.
2 min read
The projection is the payoff for everything you've entered. Steer takes your accounts, income, expenses, future price changes, loans and investments, and draws them forward in time — so you can see your financial future instead of guessing at it.
Two things it shows
What flows in and out each period. Are you saving or coming up short? Which months look tight?
What you're worth over time — accounts plus investments, minus what you owe on loans — climbing or dipping month by month.
The chart
On the Overview, a chart shows the next 12 months by default, with a toggle:
- Net worth — a single line tracing your worth into the future.
- Income vs expenses — income bars in green, expenses in red, so you can see the balance each month at a glance.
Months are labelled clearly, and the plain-language verdict above the chart translates the trend into a sentence you can act on.
Stretch the timeline
Want to look further out? The chart expands into an adjustable timeline:
- Pull in up to 24 months of history.
- Project up to 5 years ahead.
- Toggle between your budgeted plan and your actual logged numbers.
It's the difference between "this month" and "where is this all heading?"
Past months show real progress
History is reconstructed from your oldest record. If you add a salary that started six months ago, Steer sums those months up so the net-worth line climbs through the past to today — not just from today onward. The line only goes back as far as your earliest income, expense, account or investment.
What feeds the projection
Everything you've told Steer rolls in automatically:
- Income & expenses — including their cadence and any future-dated price changes.
- Loans — repayments and interest reduce what you owe over time.
- Investments — contributions and growth lift your net worth.
Change any of these and the projection updates instantly.
From here, test a decision
The projection is your baseline — your real plan. When you want to try something — a raise, a move, a new loan — you don't edit the baseline. You build a simulation on top of it and compare.
Pro feature
Simulations are a Pro feature. Learn how they work →