Personal finance planning

Model big money decisions before you make them

See how choices like buying a home, changing jobs, or starting a business play out over the years — so you can decide with confidence, not guesswork.

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Questions Whatifi helps you answer

Can I afford a property?When can I retire?What if my income changes?Should I pay off debt or invest?What happens if I sell my business?Am I still on track?

Real-life decisions

What you can model

Explore the big money decisions Whatifi helps you model — grouped into eight themes.

Retirement & financial independence

When you could stop working — and whether it lasts.

Housing & real estate

Buy, rent, or invest in property with the numbers clear.

Career & income

A job change, a raise, or a break — see the long-term effect.

Investing strategy

Where to put your money and how it compounds over time.

Debt strategy

Pay it down or invest instead — compare both paths.

Business ownership

Start, run, or sell a business and model the cashflow.

Big life events

Marriage, kids, a move, an inheritance — plan around them.

Stress-testing

See how your plan holds up when markets turn.

Plan with clarity

A calm, trustworthy simulator built for real-life decisions — not spreadsheets.

Scenario planning

Build a baseline plan, then fork “what if” alternatives. Compare net worth, passive income, and financial independence side by side.

Timeline events

Model acquisitions, sales, income changes, debt payoffs, and more on a year-by-year timeline that respects your cashflow.

Any currency, deep for Czechia

Plan in 14 currencies — including CAD, USD, and EUR — or model any country with net-income entry. Czech plans get full payroll (HPP) and OSVČ paušál tax modelling built in.

Honest assumptions

Every projection shows its assumptions. Adjust growth rates, returns, and reserves — the engine stays transparent.

Liquid vs. equity

Understand cash runway separately from net worth. See when savings run out, not just when a spreadsheet total looks fine.

Private by design

Your plans stay on your device. No account required to explore your financial future.

Compare plans side by side

Put your baseline next to a what-if and watch net worth, passive income, and financial independence diverge — the trade-offs are obvious at a glance.

Model your life on a timeline

Place acquisitions, sales, income changes, and debt payoffs on a year-by-year timeline. Every event respects your cashflow, so the plan stays honest.

Every input in one honest place

Timeline, income, expenses, assets, allocation, and market assumptions — your whole plan's engine, laid out and easy to adjust. Nothing hidden, no black box.

See how your plan holds up in a thousand futures

Plan Resilience runs your scenario through a thousand market simulations, so you see the odds it stays on track — not just one hopeful line. Know your chance of success before you commit.

Once a month, your plan meets reality

Enter the actual balance of your cash reserve and investments for the month just ended. Whatifi records these figures and updates your plans from there, so future projections reflect what really happened.