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[Feature] Financial planning and projections #1060

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opened 2026-02-28 19:30:25 -06:00 by GiteaMirror · 1 comment
GiteaMirror commented 2026-02-28 19:30:25 -06:00
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Originally created by @anh-chu on GitHub (Apr 27, 2024).

Verified feature request does not already exist?

  • I have searched and found no existing issue

💻

  • Would you like to implement this feature?

Pitch: what problem are you trying to solve?

At the moment, Actual cannot effectively answer questions such as "are my budgeting/saving goals sufficient for my future goals?" or "what should I expect to be able to afford with my current financial composition?". Effectively, Actual is more of a short-to-medium term planning tool rather than a long-term planning tool.

We have had some insightful discussion on Discord that also shows initial support for this idea.

Plus, there's some revival on this closed PR.

My note: at a certain point in time where the monthly budget has stabilized and the user's financial movement is reasonable expectable, Actual becomes less useful as a planning tool and more useful as a tracking tool. I would like to make this software more relevant to that use case too.

Describe your ideal solution to this problem

What if we can build a new view based on the net worth chart where we project the monthly income/expenses, factor in saving/investment, and allow users to mark certain financial milestone on it?

For example, I want to buy a car of X price in 3 years and a house of Y price in 7 years. With my current income/expenses and investment, I will have this amount in 3 years. After buying the car at X, my net worth will be recalculated. After buying the house at Y, my net worth will be recalculated again.

Additionally, we can provide projections for financial events that last over a period. To quote @SeekingData from Discord:

Lunchmoney actually had a beta tool that did this alright, you put in the start and stop of the "event", the monetary change per month, and it calculated your future outlook.

Ideally, I want to limit database/backend changes as much as possible. The bulk of the efforts will be on frontend.

Teaching and learning

Documentation for the feature is a must. Besides that, I think it should be quite intuitive for users via UX.

Originally created by @anh-chu on GitHub (Apr 27, 2024). ### Verified feature request does not already exist? - [X] I have searched and found no existing issue ### 💻 - [X] Would you like to implement this feature? ### Pitch: what problem are you trying to solve? At the moment, Actual cannot effectively answer questions such as "are my budgeting/saving goals sufficient for my future goals?" or "what should I expect to be able to afford with my current financial composition?". Effectively, Actual is more of a short-to-medium term planning tool rather than a long-term planning tool. We have had some insightful [discussion on Discord](https://discord.com/channels/937901803608096828/1209038567846973490) that also shows initial support for this idea. Plus, there's some revival on [this closed PR](https://github.com/actualbudget/actual/pull/2126). My note: at a certain point in time where the monthly budget has stabilized and the user's financial movement is reasonable expectable, Actual becomes less useful as a planning tool and more useful as a tracking tool. I would like to make this software more relevant to that use case too. ### Describe your ideal solution to this problem What if we can build a new view based on the net worth chart where we project the monthly income/expenses, factor in saving/investment, and allow users to mark certain financial milestone on it? For example, I want to buy a car of X price in 3 years and a house of Y price in 7 years. With my current income/expenses and investment, I will have this amount in 3 years. After buying the car at X, my net worth will be recalculated. After buying the house at Y, my net worth will be recalculated again. Additionally, we can provide projections for financial events that last over a period. To quote @SeekingData from Discord: > Lunchmoney actually had a beta tool that did this alright, you put in the start and stop of the "event", the monetary change per month, and it calculated your future outlook. Ideally, I want to limit database/backend changes as much as possible. The bulk of the efforts will be on frontend. ### Teaching and learning Documentation for the feature is a must. Besides that, I think it should be quite intuitive for users via UX.
GiteaMirror added the needs votesfeature labels 2026-02-28 19:30:25 -06:00
GiteaMirror commented 2026-02-28 19:30:26 -06:00
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@github-actions[bot] commented on GitHub (Apr 27, 2024):

✨ Thanks for sharing your idea! ✨

This repository uses lodash style issue management for enhancements. That means enhancement issues are automatically closed. This doesn’t mean we don’t accept feature requests, though! We will consider implementing ones that receive many upvotes, and we welcome contributions for any feature requests marked as needing votes (just post a comment first so we can help you make a successful contribution).

The enhancement backlog can be found here: https://github.com/actualbudget/actual/issues?q=label%3A%22needs+votes%22+sort%3Areactions-%2B1-desc+

Don’t forget to upvote the top comment with 👍!

@github-actions[bot] commented on GitHub (Apr 27, 2024): :sparkles: Thanks for sharing your idea! :sparkles: This repository uses lodash style issue management for enhancements. That means enhancement issues are automatically closed. This doesn’t mean we don’t accept feature requests, though! We will consider implementing ones that receive many upvotes, and we welcome contributions for any feature requests marked as needing votes (just post a comment first so we can help you make a successful contribution). The enhancement backlog can be found here: https://github.com/actualbudget/actual/issues?q=label%3A%22needs+votes%22+sort%3Areactions-%2B1-desc+ Don’t forget to upvote the top comment with 👍! <!-- feature-auto-close-comment -->
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