What is the debt forecast?
The debt forecast automatically brings your loan repayments (capital + interest) into your cashflow plan. You’ll get a new Debt category, displaying a forecast type “Generated from the debt plan” that you can’t override or edit manually. The amounts appear in your cashflow plan currency, based on the outstanding capital and the interest rate.
How to set it up
Open the Debt module.
Toggle “Sync with forecast.” (Click on ... Options to see this possibility). You’ll see a Debt category appear in your cashflow plan.
Check the side panel in the cashflow plan. Every installment is detailed with capital and interest amounts for each currency used.
Track updates. If you adjust your debt plan (like interest rates or schedules), the new amounts automatically flow into your cashflow forecast.
How to create debt installment expected transactions
Select “Create expected transactions related to this debt” when creating or editing your debt.
Map a bank account in the same currency as the debt. This account is where your repayment will be debited.
See 6-month installments automatically generated in your “Expected transactions.” They’ll be updated if your debt basis changes (for instance, variable interest rates).
Categorize or link to a project if you like. You won’t be able to edit or delete these installments manually.
Advanced knowledge on differences in total amounts
If the sum of the capital + interest shown in your side panel doesn’t match the single total you see in the cashflow plan, this often happens when the input frequency doesn’t align with the display frequency (e.g. weekly vs. monthly). Small rounding differences can also occur, causing slight mismatches by a few cents in your monthly or weekly totals.
💡 Tips
You can track various loan structures with linear, non-linear, or in fine amortization.
If you ever need a more granular view, create subcategories under the Debt category to label different loan purposes (e.g. “Bank Loan A,” “Leasing”).
FAQ ❓
Can I override or manually edit the “Debt” category amounts?
No. Your debt forecast comes from the debt module. Whenever you update the debt details (like interest rates or advice date), the cashflow plan updates automatically.
Why does the total forecast differ from the sum of capital + interest?
Aggregation frequency and rounding can cause small discrepancies. If your forecast frequency doesn’t match your display frequency (for example, weeks spanning two months), you might see slightly different amounts due to day-by-day splits.
Can I manually reconcile or remove an upcoming debt installment?
No. Debt installments generated by this feature aren’t manually reconcilable. They disappear automatically once their due date is reached, and they’re replaced by real bank transactions once they appear in your feed.
Do I need to recalculate interest for variable-rate loans?
No. Agicap updates your upcoming installments automatically if you adjust your debt plan (e.g., new Euribor or other index updates). Your cashflow plan instantly reflects these changes.