Valenscope

Financial Forecasting & Portfolio Modeling

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Your Financial Data

📈 Assets & Investments

Things you own that grow in value

Name	Value ($)	Est. ROI (%)

💳 Debts & Loans

Money you owe that accrues interest

Name	Balance ($)	APR (%)

💰 Monthly Income

Regular money coming in each month

Name	Amount ($)	Retirement Behavior

🧾 Monthly Expenses

Regular costs and bills each month

Name	Amount ($)

Projection Summary

Current Assets

0.00

Total value of all assets and investments.

Net Monthly Cash Flow

0.00

Total Income - Total Expenses.

Projected 12-Month Net Worth

0.00

Assets with ROI + net cash flow.

Surplus Cash Flow Allocation

Surplus is automatically allocated: highest APR debts are paid first, then remaining surplus goes to the highest yield investment.

Deficit Coverage (Liquidation Order)

When expenses exceed income (e.g., after retirement), assets are liquidated starting from lowest ROI to preserve higher-growth investments.

Retirement Planning

Retire in years (0 = no retirement planned)

When set, income will stop being counted after the retirement date in projections.

Financial Projection Chart

Legend Show all

Net Worth (+)

Assets minus debts

Net Worth (−)

You owe more than you own

Core Metrics

Net Monthly Flow

= Total Income − Total Expenses

Net Worth

= Total Assets − Total Debts

Monthly Asset Growth

= Asset Value × (Annual ROI ÷ 12)

Monthly Debt Interest

= Debt Balance × (Annual APR ÷ 12)

Monthly Projection Steps

Apply ROI growth to all assets
Apply APR interest to all debts
Calculate monthly surplus (Income − Expenses)
If surplus: Allocate to debts/assets by priority
If deficit: Liquidate assets (lowest ROI first)
Track remaining cash (positive or negative)

Retirement Simulation

Pre-Retirement

Monthly Flow = Income − Expenses
If there is a surplus, it is allocated to debts/assets by priority i.e., pay off debts in order of highest APR first, then invest. If there is a deficit, assets are liquidated to cover expenses (lowest ROI first).

Post-Retirement

Monthly Flow = Retirement Income − Expenses
Income sources marked "Continues through retirement" and "Starts at retirement" are included. If there is a surplus, it is allocated to debts/assets by priority i.e., pay off debts in order of highest APR first, then invest. If there is a deficit, assets are liquidated to cover expenses (lowest ROI first).

⚠️ Limitations & Assumptions

Volatility: Investments (e.g., real estate, stocks, crypto etc.) are volatile. Costs of borrowing are also volatile.
No taxes: Capital gains, income tax, and investment tax drag are not modeled
No inflation: $1M in 30 years won't have the same purchasing power as today
Constant expenses: Assumes expenses stay fixed; doesn't account for lifestyle changes, healthcare costs, or emergencies
Immediate reinvestment: ROI compounds monthly with no transaction cost or delays
No sequence-of-returns risk: Market downturns early in retirement can devastate portfolios
Simplified debt: Minimum payments, variable rates, and refinancing are not considered

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Your Financial Data

📈 Assets & Investments

💳 Debts & Loans

💰 Monthly Income

🧾 Monthly Expenses

Projection Summary

Financial Projection Chart

📐 Calculation Formulas

Core Metrics

Monthly Projection Steps

Retirement Simulation