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Real-life decisions

What you can model with Whatifi

Twenty-eight real-life money decisions, grouped into eight themes — each with the exact steps to model it in the app.

Retirement & financial independence

When could I stop working?

How it works in the app

  1. Open the Dashboard.
  2. Find the “Could stop working” card in the Financial independence section.
  3. Check the year, and the Coverage % beside it.
When could I stop working?

What if I retired at 45, 50, or 55?

How it works in the app

  1. Tap “Change your income”.
  2. Set the new gross yearly income to 0, choose “Permanent”, and pick the year you'd stop.
  3. Check the Dashboard for solvency to the plan's final year, or the year your money runs out.
What if I retired at 45, 50, or 55?

What if I retired onto a state pension?

How it works in the app

  1. Tap “Change your income” and set gross income to 0 from your retirement year, choosing “Permanent”.
  2. Tap “Change your income” again for the pension: set the amount, choose “Permanent”, pick the pension-age month, and switch on “Tax-free income”.
  3. Review solvency and the Could stop working year on the Dashboard.
What if I retired onto a state pension?

What if I lived off my investments?

How it works in the app

  1. Open Investments → Edit portfolio.
  2. On a bucket, add a “Reinvest / pay out income” change.
  3. Choose “Pay out as income” from the month you pick, then check passive cashflow.
What if I lived off my investments?

What if I took a sabbatical?

How it works in the app

  1. Tap “Change your income”.
  2. Choose “For a period”, set the amount to 0, and pick the start and end month.
  3. Check the year your income reverts, and the change in Could stop working and net worth.
What if I took a sabbatical?

Housing & real estate

Can I afford to buy a home?

How it works in the app

  1. Tap “Buy a property”.
  2. Set the purchase price, down payment, and mortgage terms, and leave rent at 0 for owner-occupied.
  3. Review the affordability check and runway on the Dashboard.
Can I afford to buy a home?

What if I bought a rental property?

How it works in the app

  1. Tap “Buy a property”.
  2. Set the purchase price and mortgage terms, and a monthly rent above 0.
  3. Check the property's net rental cashflow and its contribution to passive cashflow.
What if I bought a rental property?

What if I renovated to raise a property's value or rent?

How it works in the app

  1. Open the property in Assets, then tap “Renovation”.
  2. Enter the cost, and optionally a value increase and/or extra monthly rent.
  3. Compare the cash outflow now against the added value or rent afterwards.
What if I renovated to raise a property's value or rent?

Pay off the mortgage early, or keep investing?

How it works in the app

  1. Duplicate the plan.
  2. In the copy, open the mortgage and add an “Extra repayment” or “Pay off fully”.
  3. Use Compare to see net worth, Could stop working, and passive cashflow side by side.
Pay off the mortgage early, or keep investing?

What if I sold a property?

How it works in the app

  1. Tap “Sell an asset” and choose the property.
  2. Set the sale price and how the net proceeds should be allocated.
  3. Check the drop in passive cashflow (from losing the rent) and the change in net worth.
What if I sold a property?

Career & income

What if I got a raise or changed jobs?

How it works in the app

  1. Tap “Change your income”.
  2. Choose “Permanent”, set the new gross yearly income, and pick the starting month.
  3. Check the change in Could stop working and investable cashflow.
What if I got a raise or changed jobs?

What if I lost my job for a while?

How it works in the app

  1. Tap “Change your income”.
  2. Choose “For a period”, set the amount to 0, and pick the start and end month.
  3. Check your runway — how long your money lasts — through the gap.
What if I lost my job for a while?

What if I took parental leave?

How it works in the app

  1. Tap “Change your income”.
  2. Choose “For a period”, set the allowance amount, switch on “Tax-free income”, and pick the start and end month.
  3. Check solvency and runway through the leave period.
What if I took parental leave?

What if I got a bonus, inheritance, or gift?

How it works in the app

  1. Tap “Expect a windfall”.
  2. Enter the net amount and the month you'd receive it.
  3. Check where it's allocated, and its effect on net worth by the plan's final year.
What if I got a bonus, inheritance, or gift?

Model this yourself

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App Store
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Google Play

Investing strategy

How much should I invest vs. keep in savings?

How it works in the app

  1. Open Investments → Edit portfolio.
  2. Adjust the allocation, or add a planned “Change allocation” for a future month.
  3. Compare net worth and portfolio value across the horizon.
How much should I invest vs. keep in savings?

Conservative or aggressive portfolio?

How it works in the app

  1. Open Investments → Edit portfolio.
  2. Add or edit a bucket's expected return, or plan a “Change a bucket's return” / “Change allocation” for later.
  3. Check the blended return and per-bucket balances.
Conservative or aggressive portfolio?

What if my investments paid me dividend-style income?

How it works in the app

  1. Open Investments → Edit portfolio.
  2. On a bucket, add a “Reinvest / pay out income” change and choose “Pay out as income”.
  3. Check the payout in your passive cashflow.
What if my investments paid me dividend-style income?

Debt strategy

What if I made extra repayments on a debt?

How it works in the app

  1. Open the debt and tap “Extra repayment”.
  2. Enter the amount and choose savings or investments as the funding source.
  3. Check the new payoff date and the change in net worth.
What if I made extra repayments on a debt?

Kill all debt early, or pay it off as scheduled?

How it works in the app

  1. Duplicate the plan.
  2. In the copy, open each debt and tap “Pay off fully” until you're debt-free.
  3. Use Compare to see net worth and passive cashflow side by side.
Kill all debt early, or pay it off as scheduled?

Car: pay cash, or finance it?

How it works in the app

  1. Tap “Plan a big one-off expense” and enter the car's cost.
  2. Choose savings or investments as the funding source for one plan, or a loan for the other.
  3. Compare net worth between the two plans.
Car: pay cash, or finance it?

Business ownership

What if I started a business?

How it works in the app

  1. Tap “Buy or start a business”.
  2. Set the starting value, monthly profit before tax, and a valuation mode.
  3. Check the business's equity and its contribution to net worth over time.
What if I started a business?

What if I sold my business?

How it works in the app

  1. Open the business, then tap “Override assumptions” to set the exit valuation multiple.
  2. Tap “Sell an asset”, choose the business, and allocate the proceeds.
  3. Check the change in your Could stop working year.
What if I sold my business?

What if I reinvested profits back into the business?

How it works in the app

  1. Open the business in Assets, then tap “Capital expense”.
  2. Enter the amount, and optionally the extra monthly profit it will add once it pays off.
  3. Add a “Change cashflow” event for when the higher profit begins, and compare it against not reinvesting.
What if I reinvested profits back into the business?

Model this yourself

Download on the
App Store
GET IT ON
Google Play

Big life events

A wedding, trip, tuition, or medical bill?

How it works in the app

  1. Tap “Plan a big one-off expense”.
  2. Enter the amount, the month, and how it's funded.
  3. Check the dip in your assets and the recovery afterwards.
A wedding, trip, tuition, or medical bill?

What if I renovated my own home?

How it works in the app

  1. Open your home in Assets, then tap “Renovation”.
  2. Enter the cost, and how much of it should add to the property's value.
  3. Check the change in the property's value and equity afterwards.
What if I renovated my own home?

Stress-testing

Requires Whatifi Pro

Is this plan robust, or just lucky?

Pro

How it works in the app

  1. Open a plan and tap “Test your plan” under Plan Resilience.
  2. Wait for the 1,000 simulations to finish.
  3. Read the chance of success, the three outcomes, and the fan chart.
Is this plan robust, or just lucky?

What are my odds of stopping work by a given year?

Pro

How it works in the app

  1. Open a plan and tap “Test your plan” under Plan Resilience.
  2. Scroll to “Chances by goal”.
  3. Check the probability for stopping work by your target year.
What are my odds of stopping work by a given year?

What if I stress-tested a decision before making it?

Pro

How it works in the app

  1. Create a what-if for the decision you're weighing.
  2. Run “Test your plan” under Plan Resilience on both the baseline and the what-if.
  3. Compare the two chances of success.
What if I stress-tested a decision before making it?

Model this yourself

Download on the
App Store
GET IT ON
Google Play