The bigger house. The career break. The kid. Stack what-if scenarios on your real numbers and watch the age work becomes optional move in real time — before anything is real.
Educational clarity, not financial advice.
What-if studio
A private sandbox — nothing touches your real data
Impact on your plan
9 scenarios
Stackable what-ifs on one live projection
1 number
Your work-optional age moves with every slider
0 bank logins
You type your numbers — they stay yours
Monthly
A short check-in and an AI money journal
RunWhatIfs never connects to your bank. You enter your balances yourself, in a few deliberate minutes a month. If that sounds like a chore, a hundred autopilot apps would love your password. If it sounds like finally knowing your own money — you're exactly who this was built for. The trade is simple: five minutes of typing buys you numbers you trust, projections built on data you've actually looked at, and no bank credentials for anyone to leak.
Confidence with money doesn't come from watching it. It comes from knowing it — on purpose, month after month.
Typing your own numbers once a month is the price of admission. It's also why you'll know them cold. If autopilot is what you want, this isn't it.
No bank credentials, no third-party data brokers. Your financial picture stays yours.
Numbers you entered on purpose become trends, projections, and a journal of your money — depth that compounds the longer you stay.
A live studio for the decisions ahead of you — standing on a clear, honest picture of the money behind you.
Nine stackable scenarios — move homes, change income, take a career break, have a kid, ride out a market swing, land a windfall, buy the car, pay off the loan, add a cost. Drag a slider and every number answers at once: net worth, debt-to-income, savings rate, and a projection of the age work becomes optional. It's a private sandbox — nothing touches your real data.
Each month, a private AI narrative captures what moved and why — written only from your own numbers, never advice. Every month is kept, so the archive becomes something no spreadsheet ever gave you: a readable story of your money, a year deep and growing.
July 2026
Your net worth rose $12,400 to $486,200 — a fourth straight monthly gain.
Cash sits at 12% of assets, and retirement progress ticked up to 38%.
Every account, debt, and policy in one place. Each balance update writes a snapshot, so your net worth becomes a living trend — with the change since last month always in view.
Welcome back, Alex
Your financial picture
Net worth
Savings rate
Emergency
Retirement
Asset allocation
Benchmarks
Debt-to-income
Emergency fund
Retirement progress
Net worth
$512.0K
$25.8K
Asset allocation
Coming from a spreadsheet? Import your history for free — a guided CSV flow with a preview before anything is saved, and it never overwrites what you track live. Your charts open with years of story already in them.
Spreadsheet history and live tracking — one continuous trend.
A guided monthly conversation walks you through each account, logs what changed, and celebrates your streak — so staying current actually feels good.
6 months
checked in, in a row
See your debt-to-income, emergency fund, retirement progress, and coverage against commonly cited benchmarks — color-coded, never preachy.
Debt-to-income
Emergency fund
Retirement progress
Life coverage
Each category keeps its color everywhere it appears — in the donut, on cards, in badges — so your eye learns your money fast.
A friendly onboarding walks you through your accounts, debts, goals, and protection — and a free CSV import can bring years of spreadsheet history with you.
Your dashboard lights up with net worth, allocation, and benchmarks — then the What-if studio puts the decisions you've been carrying around onto sliders.
Update balances in a few minutes, build a streak, and let the money journal write down what changed — month after month.
Free account, no bank logins. Enter your numbers — or import your history — and run your first what-if in minutes.
Wondering how a free finance app pays for itself? The business model is public · Read the skeptic's FAQ