The Future page lets you create scenarios that project how your net worth could change over time. You set the assumptions — growth rates, contributions, one-off events — and Aureli calculates a year-by-year projection based on your current portfolio.
Getting started
- Open your portfolio and go to Future in the navigation.
- Aureli creates a default Base case scenario using your current assets and debts.
- Adjust the scenario settings in the configuration panel on the left, and the projection chart updates in real time.
You can create multiple scenarios to compare different strategies side by side.
Time horizon
The time horizon controls how far into the future the projection extends. Choose from preset options — 1, 5, 10, 20, or 30 years — or enter a custom value up to 100 years.
The default horizon for a new scenario is 10 years.
Asset growth rates
Each scenario includes an expected annual growth rate for every asset class. These rates determine how your existing assets appreciate (or depreciate) over time using compound growth.
You can adjust any rate to reflect your own expectations. For example, if you believe property in your area will grow at 6% per year, set the Property rate to 6.
Monthly contributions
Add recurring monthly contributions to model regular investing or saving. Each contribution is assigned to an asset class — for example, £500 per month into Equity, or £200 per month into Cash.
Contributions compound at the growth rate of their asset class. You can add contributions to as many asset classes as you like.
Lump sums
Lump sums represent one-off injections of money at a specific point in the future. Use these to model events like:
- A bonus or inheritance you expect to receive
- Proceeds from selling a property
- A large one-off investment
Each lump sum has a label, an amount, an asset class, and the year it arrives. The lump sum is added to the projection at the start of that year and then grows at the relevant asset class rate for the remaining years.
Future debts
If you expect to take on new debt in the future — such as a mortgage, car loan, or student loan — you can add it as a future debt. Each future debt includes:
- Label — a description (e.g. "House purchase mortgage")
- Amount — the principal
- Debt class — mortgage, secured loan, unsecured loan, credit card, or student loan
- Year — when the debt is taken on
- Repayment method — either amortisation (with interest rate and monthly payment) or a flat annual reduction percentage
Future debts appear in the projection from their start year onwards and are repaid according to the rules you set.
Existing debt rules
When you create a scenario, your current debts are automatically imported. For each debt you can:
- Include or exclude it — credit cards are excluded by default, since their balances tend to fluctuate rather than follow a fixed repayment schedule
- Choose a repayment method:
- Amortisation — set an interest rate and monthly payment. The projection applies monthly interest and subtracts your payment each month.
- Annual reduction — set a percentage by which the balance decreases each year (default 10%).
How the projection is calculated
The projection runs month by month from today to the end of your chosen horizon, sampling the totals at the end of each year.
Assets grow using compound interest at the annual rate you set for each class. Monthly contributions are added each month and also compound. Lump sums are injected at their specified year.
Debts using amortisation accrue monthly interest and have the monthly payment subtracted. Debts using annual reduction shrink by the specified percentage each year. Balances cannot go below zero — once a debt is fully repaid, it stays at zero.
Net worth at each point is simply total assets minus total debts.
All values are in your portfolio's base currency.
Comparing scenarios
You can create as many scenarios as you need. Each one appears as a tab at the top of the page. Switch between them to see how different assumptions affect the outcome.
The comparison tables show a side-by-side breakdown of projected assets and debts at the end of the horizon for all your scenarios, with a delta column highlighting the difference from the currently selected scenario.
What scenarios are not
Scenarios are planning tools, not predictions. They don't account for:
- Market volatility or specific investment performance
- Tax implications
- Inflation (unless you adjust growth rates to reflect real returns)
- Changes to contribution amounts over time
They're best used to compare broad strategies — for example, "What if I invest more aggressively?" versus "What if I pay off my mortgage early?" — rather than to forecast exact figures.
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