How long your savings last
The big picture carries income, fixed costs, variable spending, loan instalments and savings plans forward month by month. Whatever a month spends beyond its income is paid from your money assets: accounts and deposits, your savings. The first month in which they no longer suffice is the answer to how long they last. That is where the chart ends.
Runway = first month t with money assets(today) + Σ surplus(1 … t) < 0
Beside it stands what is still there then: property, securities and physical assets at their carried-forward value, and the outstanding balance of open loans. Selling those assets or taking out a new loan is not counted in. Whether and what you would sell is your decision.
For this, the template “Income stops” sets every regular income to zero from next month on and leaves everything else as it is. You can change any assumption in the scenario, for instance pause a savings plan or enter unemployment benefit.
Every formula of the chart
Everything below is computed deterministically from the recorded objects — no AI, no assumptions about markets or prices. Symbols: t = month (0 = today), i = monthly interest rate, σ = assumed standard deviation, g = assumed annual value change of an asset class (0 % unless you set one).
Net worth today
Every active object counts at its documented (purchase-backed) or AI-estimated value: real estate, money and accounts at their recorded balance, financial assets (securities, funds, deposits), digital assets (crypto, tokens, licences), vehicles, collectibles and household goods. The remaining debt of all loans is subtracted. Consumed goods — consumables and cosmetics — are excluded, and a collection is a container that counts only through the objects it holds.
net worth(0) = documented values + estimated values − remaining debt(0)
asset classes: real estate · money · financial assets · digital assets · collectibles · vehicles · householdThe net-worth line
Six effects move the line: the cash surplus or deficit of that month, the loan principal repaid in it, the durable share of variable purchases (a car keeps resale value, groceries do not), the inflation indexation of price-linked objects (real estate, collectibles), the money moved into asset classes by savings plans and planned trades, and — only if you set a rate per class — the assumed value change. Money assets, financial and digital assets, vehicles and household goods stay nominally constant by default. A savings rate leaves the surplus and arrives as a transfer, so the two cancel and the line does not move. The number above the chart is exactly the rise of that line over the selected horizon — the cumulative surplus alone is only one of the effects and has its own tile further down.
net worth(t) = net worth(0) + cumulative surplus(t) + repaid principal(t) + durable share(t) + inflation indexation(t) + transfers into assets(t) + assumed value change(t)Yearly surplus / deficit (the bars)
Income minus expenses minus the full loan installment (interest and principal), any special repayments (Sondertilgung) and the rates of savings plans and planned purchases; sale proceeds count as inflows. A year's bar is the sum of its 12 monthly nets. The full installment, special repayments and savings rates all count as outflows here — the principal inside the installment and the transferred savings are credited back in the line above, never counted twice.
monthly net = income − expenses − loan installment − special repayment − savings rates & planned purchases + sale proceeds
year bar = Σ of the 12 monthly netsWho pays when the bars are red?
A deficit is drawn from the money assets (accounts, savings accounts): their stock shrinks by exactly the accumulated deficit. Net worth can still rise at the same time, because most of the loan installment is not a cost but repayment — money moving from the account into home equity. Only the interest portion truly leaves the wealth. A savings plan works the same way: the rate leaves the account and turns into the asset it bought. If the money assets would drop below zero, the chart stops in that month with a red warning: from there on only a sale of other assets or a new loan could pay the bills, and neither is modelled.
money assets(t) = money assets(0) + cumulative surplus(t) (the surplus is already net of savings rates)
Δ net worth in month t = monthly net + principal(t) + transfers(t) = income − expenses − interest(t)
liquidity used up = first month with money assets(t) < 0 → the chart stops thereLoan repayment (the dashed line)
The remaining-debt line follows a real amortization schedule: each month interest is charged on the current balance, the rest of the installment repays principal. As the balance falls, the interest share shrinks and the repayment share grows. Any recorded special repayments (Sondertilgung) reduce the balance directly on top. Without a recorded installment, the annuity is derived from the contract values (n = term in months). A loan that only starts later in the horizon carries no debt until its start month; then its principal is paid out into the money assets and becomes debt at the same time, and the installments follow from the month after.
i = annual interest rate ÷ 12
interest(t) = balance(t−1) × i
principal(t) = installment − interest(t)
balance(t) = balance(t−1) − principal(t) − special repayment(t)
annuity fallback: installment = loan amount × i ÷ (1 − (1 + i)^−n)The value corridor
An ~80 % confidence band around the expected line. AI-estimated values carry an assumed uncertainty of ±25 %; recurring spending an assumed variation of ±15 % per month — the band widens over time.
corridor(t) = net worth(t) ± 1.2816 × √(t × σ_spending² + σ_estimates²)
σ_estimates = 25 % of AI-estimated values · σ_spending = 15 % of monthly expensesWealth goal
A target you set for your net worth. It never enters the arithmetic — the line does not move because of it. It is drawn as a horizontal dashed line in the net-worth view, not in the category view: there the areas show a composition, not a total. The star marks the crossing with the middle curve, and the vertical dashed line runs from there down to the time axis. The tile states the span in which the goal could be met: the upper end of the uncertainty corridor gives the early year, the lower end the late one.
goal year = first month with curve(t) ≥ goal · span = [upper corridor edge, lower corridor edge]Inflation
The chart shows future euros. Prices — recurring expenses and variable costs — rise with the inflation rate you set, and so do income (at your nominal income growth) and the value of real estate and collectibles. Money assets, financial and digital assets and the mortgage schedule are nominally fixed and stay flat (unless you set a rate per class), which is why savings quietly lose purchasing power while fixed debt gets lighter. Vehicles and household goods are left flat too: they are estimated present values with no depreciation model behind them, and indexing them up would overstate a stock that in reality loses value.
price level(t) = (1 + inflation)^(t/12) · today, real value(t) = nominal value(t) ÷ price level(t)Variable costs (consumables, vehicles, …)
Consumables, vehicles, collectibles and household goods are carried forward from averages of your own purchases over a per-category window (e.g. 6 months for consumables, 7 years for vehicles). The full amount counts as spending; for durables the part that keeps a resale value (retention factor) is credited back as an asset, so net worth reflects depreciation rather than the full outflow.
net-worth impact = spend − retention × spendSavings plans and planned trades
A savings plan is one repeating purchase event with a quantity and an amount per rate; a single planned purchase or sale is the same event without repetition. From tomorrow on, every occurrence inside the horizon moves money: a purchase leaves the money assets — it counts as an outflow in the monthly net, exactly like a loan installment — and lands in the object's asset class at the amount paid. A sale runs the other way. The transfer itself does not move net worth: the line assumes neither gain nor loss on it. Rates are fixed nominal commitments and are never escalated with inflation. Occurrences up to today are already part of the object's value and are not counted again.
monthly net = income − expenses − loan installment − special repayment − savings rates & planned purchases + sale proceeds
asset class(t) = asset class(0) + Σ purchases(≤ t) − Σ sales(≤ t)
Δ net worth caused by a transfer = 0Value development of the asset classes
Every class starts at 0 % per year — no gain, no loss. Real estate and collectibles additionally follow the price level (inflation). If you state a rate for a class under „Configure scope“, today's stock and every transferred tranche compound at it from the month they are held. For comparison the chart derives what your own objects did so far: purchase price against latest valuation, annualized and value-weighted, over at least six months. That figure is read-only and never applied on its own — the past performance of a few objects says nothing about the future.
value(t) = value(0) × (1 + g)^(t/12) · indexed classes additionally × price level(t)
historical g = (latest valuation ÷ purchase price)^(12/months) − 1, value-weighted per class (read-only)Scenarios
A scenario lays a what-if over your real objects: hidden objects drop out, scenario objects are added as if they were recorded, and everything is projected with the same arithmetic. A changed income is split into the time before, inside and after the change. A loan that starts later carries no debt until its month; then its principal lands in the money assets and the same amount becomes debt, so the line does not move on disbursement. Buying an asset moves its price from the money assets into its class in the purchase month; only the ancillary costs are consumed. The grey ghost line is the current state under the same horizon, and the delta tile is the difference at the end.
Income change: S₁ (until start) · S₂ (new amount) · S₃ (after end) · Loan at m: money +L, debt +L · Purchase at m: class +P, money −P, expense +N · Δ = scenario(T) − current state(T)Assumptions and limits
Asset values are held constant — no appreciation or depreciation, no taxes, no investment returns — unless you deliberately set a rate for a class. Market volatility of securities and crypto is not modelled; a savings plan is carried at the amount paid. Not in the carry-forward yet: pending bookings in the transactions inbox, the remaining balance of consumer loans (only their installments count), and the running costs of ownership (repairs, maintenance, fuel). Deficits are funded from the money assets; once those run out, the chart stops in that month and warns — selling other assets or taking out a new loan is not modelled. It describes, it does not advise.
Where each object type lands
Every OWNAMIC object type and how the carry-forward reads it — derived from the same rules the calculation runs on, so this table cannot disagree with the numbers.
| Object type | Assets | Cash flow |
|---|---|---|
| Flexible Physical belongings | Counts at its value: Household | Planned purchases and sales (events with quantity): transfer between money and this class |
| Appliance Physical belongings | Counts at its value: Household | Past purchases: variable costs (Household & electronics) · planned purchases with quantity: transfer |
| Artwork Physical belongings | Counts at its value: Collectibles | Past purchases: variable costs (Collectibles) · planned purchases with quantity: transfer |
| Clothes Physical belongings | Counts at its value: Household | Past purchases: variable costs (Household & electronics) · planned purchases with quantity: transfer |
| Collectible Physical belongings | Counts at its value: Collectibles | Past purchases: variable costs (Collectibles) · planned purchases with quantity: transfer |
| Collection Physical belongings | Counts at its value: Household | Planned purchases and sales (events with quantity): transfer between money and this class |
| Component Physical belongings | Counts at its value: Household | Planned purchases and sales (events with quantity): transfer between money and this class |
| Decoration Physical belongings | Counts at its value: Household | Past purchases: variable costs (Household & electronics) · planned purchases with quantity: transfer |
| Electronic Medium Physical belongings | Counts at its value: Collectibles | Past purchases: variable costs (Collectibles) · planned purchases with quantity: transfer |
| Electronic device Physical belongings | Counts at its value: Household | Past purchases: variable costs (Household & electronics) · planned purchases with quantity: transfer |
| Furniture Physical belongings | Counts at its value: Household | Past purchases: variable costs (Household & electronics) · planned purchases with quantity: transfer |
| Jewlry Physical belongings | Counts at its value: Collectibles | Past purchases: variable costs (Collectibles) · planned purchases with quantity: transfer |
| Literature Physical belongings | Counts at its value: Collectibles | Past purchases: variable costs (Collectibles) · planned purchases with quantity: transfer |
| Material Physical belongings | Counts at its value: Household | Past purchases: variable costs (Consumables) · planned purchases with quantity: transfer |
| Musical Instrument Physical belongings | Counts at its value: Collectibles | Past purchases: variable costs (Collectibles) · planned purchases with quantity: transfer |
| Pet Physical belongings | Counts at its value: Household | Past purchases: variable costs (Household & electronics) · planned purchases with quantity: transfer |
| Plant Physical belongings | Counts at its value: Household | Past purchases: variable costs (Household & electronics) · planned purchases with quantity: transfer |
| Real Estate Physical belongings | Counts at its value: Real estate | Planned purchases and sales (events with quantity): transfer between money and this class |
| Sports Equipment Physical belongings | Counts at its value: Household | Past purchases: variable costs (Household & electronics) · planned purchases with quantity: transfer |
| Tool Physical belongings | Counts at its value: Household | Past purchases: variable costs (Household & electronics) · planned purchases with quantity: transfer |
| Toy Physical belongings | Counts at its value: Household | Past purchases: variable costs (Household & electronics) · planned purchases with quantity: transfer |
| Unknown Physical belongings | Counts at its value: Household | Planned purchases and sales (events with quantity): transfer between money and this class |
| Vehicle Physical belongings | Counts at its value: Vehicles | Past purchases: variable costs (Vehicles) · planned purchases with quantity: transfer |
| Consumable Consumer goods | Not an asset (consumed) | Past purchases: variable costs (Consumables) · planned purchases with quantity: transfer |
| Cosmetics Consumer goods | Not an asset (consumed) | Past purchases: variable costs (Consumables) · planned purchases with quantity: transfer |
| Digital Asset Financial assets | Counts at its value: Digital assets | Planned purchases and sales (events with quantity): transfer between money and this class |
| Financial Asset Financial assets | Counts at its value: Financial assets | Planned purchases and sales (events with quantity): transfer between money and this class |
| Money & Assets Financial assets | Balance as recorded: Money & assets | Source of deficits and savings rates; surpluses accumulate here |
| Mortgage Financial assets | Remaining debt (subtracted) | Loan installment from the amortization schedule, plus special repayments |
| Repayment Financial assets | — | Installment as fixed costGap: the remaining debt behind it is not modelled yet |
| Gift Income | — | Income or expense, per cost type |
| Salary Income | — | Income (recurring or one-time) |
| Insurance Service expenses | — | Fixed cost (income if the cost type says so) |
| Power or Heat Supply Service expenses | — | Fixed cost (income if the cost type says so) |
| Rent Service expenses | — | Fixed cost (income if the cost type says so) |
| Service Service expenses | — | Recurring: fixed cost · past one-time: variable costs (Services (services, accommodation, travel)) |
| Subscription Service expenses | — | Fixed cost (income if the cost type says so) |
| Tax Service expenses | — | Fixed cost (income if the cost type says so) |
| Accommodation Travel costs | — | Recurring: fixed cost · past one-time: variable costs (Services (services, accommodation, travel)) |
| Transportation Travel costs | — | Recurring: fixed cost · past one-time: variable costs (Services (services, accommodation, travel)) |