The Cash-Flow Projection section on Reports shows what your book is contracted to deliver, month by month, for the next 5 to 30 years — live from your loans' stored amortization schedules, no batch job or export required.
Where the numbers come from
Every active loan already carries its future payment rows — the same schedule you see on the loan's Schedule tab. The projection simply adds those rows up across the book:
- Balloons land in their months. A balloon note's schedule ends at the balloon row, so that month shows the balloon payment — flagged with a Balloon badge naming the loan.
- Rate steps are applied. ARM and Rate Rider loans' schedules already carry each future rate step, so the projected payments change exactly when the contract says they do.
- Escrow rides along. Each period splits into principal, interest, and escrow.
Because the projection reads the stored schedules, it always matches what each loan page shows — recording a payment, editing terms, or adding a loan updates it immediately.
Reading the section
- Horizon — 5, 10, 15, or 30 years forward.
- Monthly / Annual — the monthly table, or a per-year rollup (each year is exactly the sum of its months).
- All / Assets / Liabilities — everything netted (asset payments in, liability payments out), or one direction with its principal/interest/escrow split.
- Overdue — scheduled payments already due but not yet recorded appear in their own Overdue row at the top, kept apart so each forward month shows only what the contracts deliver in that month.
- Export CSV — downloads the current horizon and view (monthly or annual) with both directions' full principal/interest/escrow splits. The direction filter only changes what's on screen — the export always carries the complete record.
The Next 12 months headline totals the coming year's forward months — the overdue row is never counted in it.
What it is — and honestly is not
This is the contractual remaining schedule: principal + interest + escrow, exactly as written. It does not model prepayments, defaults, curtailments, or reinvestment — real borrowers pay early, late, or not at all, so treat it as the contractual ceiling, not a forecast. Servicing fees and rental income are not on the amortization schedule and are not projected. Loans in foreclosure, bankruptcy, forbearance, or deferment are excluded (the caption counts them), matching every other scheduled-cashflow figure in the app.
Ask Note Bot
The next-12-months figures are visible to Note Bot's page context while you're on Reports — "what's my net cash flow over the next year?" answers from what's on screen.
Read-only, like everything on Reports — nothing here posts a ledger entry or changes a loan. For the portfolio's weighted averages, see Portfolio statistics & the Yield Report.