How Boscelli projects your goals

A single net-worth number tells you how much you have — not whether you'll afford the things that matter. Boscelli organizes everything around named, dated goals: an emergency fund, a down payment, retirement, a child's tuition. You link the accounts building toward each one, and we project whether the balance will be there when you need it.

For each goal we read four things:

• Current balance — the sum of all accounts linked to the goal today.
• Monthly contribution — what you add to those accounts each month.
• Expected annual return — the growth rate you set per account. Checking and other non-growth accounts default to 0%.
• Target amount and date — how much you need, and when.

Balances are entered manually and stamped with a Last Updated date so you always know how fresh a projection is. Nothing is synced from your bank.

We grow each account to the target date with the standard future-value of a lump sum plus level monthly contributions:

FV = PV · (1 + r)ⁿ + PMT · [ ((1 + r)ⁿ − 1) / r ]

• PV — present value (current balance)
• PMT — monthly contribution
• r — monthly rate (annual return ÷ 12)
• n — whole months until the target date

When the expected return is 0% the formula has no growth term, so we fall back to the honest straight-line version, FV = PV + PMT · n, which also avoids dividing by zero. A goal's projected amount is the sum of its accounts' projected balances.

We compare the projected amount to the target and assign one of three statuses — distinct colors so the two failure modes never blur together:

A goal already funded past its target reads Achieved, and a goal with no linked accounts reads No Accounts until you connect one. Status is always recomputedfrom today's date and balances — it is never stored, so it can never drift out of date.

When a goal falls short, we solve for the additional monthly contribution that would close the gap exactly by the target date:

PMT = gap · r / ((1 + r)ⁿ − 1)

At a 0% return this is simply gap ÷ n. That is the number behind the “contribute X more per month” suggestion on each goal.

On a goal's detail page you can drag in an extra monthly contribution and watch the projected path move in real time. To stay honest, that extra contribution is grown at 0%— we never assume a return on money you haven't committed yet. The scenario shows your new projected balance and the month the goal would be reached, recomputed in under a fifth of a second.

Boscelli is a planning tool, not financial, investment, or tax advice, and it is not a brokerage. Projections are estimates based on the inputs you provide — actual results will differ. To keep the numbers honest and easy to reason about, the current version does not model:

• Inflation or cost-of-living changes
• Taxes on contributions, growth, or withdrawals
• Market volatility (returns are treated as steady)
• Investment, portfolio, or risk recommendations

What you put in is what we project from. That is the whole point: a clear, forward-looking view you can fully understand.