Real-life decisions
What you can model with Whatifi
Thirty-four real-life money decisions, grouped into eight themes — each with the exact steps to model it in the app.
Retirement & financial independence
How it works in the app
- Open the Dashboard.
- Find the “Could stop working” card in the Financial independence section.
- Check the year, and the Coverage % beside it.
How it works in the app
- Tap “Change your income”.
- Set the new gross yearly income to 0, choose “Permanent”, and pick the year you'd stop.
- Check the Dashboard for solvency to the plan's final year, or the year your money runs out.
How it works in the app
- Tap “Change your income” and set gross income to 0 from your retirement year, choosing “Permanent”.
- Tap “Change your income” again for the pension: set the amount, choose “Permanent”, pick the pension-age month, and switch on “Tax-free income”.
- Review solvency and the Could stop working year on the Dashboard.
How it works in the app
- Open Investments → Edit portfolio.
- On a bucket, add a “Reinvest / pay out income” change.
- Choose “Pay out as income” from the month you pick, then check passive cashflow.
How it works in the app
- Tap “Change your income”.
- Choose “For a period”, set the amount to 0, and pick the start and end month.
- Check the year your income reverts, and the change in Could stop working and net worth.
How it works in the app
- Tap “Change your expenses”.
- Choose “Permanent”, set the lower yearly expenses, and pick the year you'd stop working.
- Check the earlier Could stop working year and the improved coverage.
How it works in the app
- Open Investments → Edit portfolio and tap “Withdraw from this segment”.
- Set the monthly withdrawal — roughly your portfolio value ÷ 300 for a 4% yearly rate.
- Check the year the segment would last until, and your runway.
Housing & real estate
How it works in the app
- Tap “Buy a property”.
- Set the purchase price, down payment, and mortgage terms, and leave rent at 0 for owner-occupied.
- Review the affordability check and runway on the Dashboard.
How it works in the app
- Tap “Buy a property”.
- Set the purchase price and mortgage terms, and a monthly rent above 0.
- Check the property's net rental cashflow and its contribution to passive cashflow.
How it works in the app
- Open the property in Assets, then tap “Renovation”.
- Enter the cost, and optionally a value increase and/or extra monthly rent.
- Compare the cash outflow now against the added value or rent afterwards.
How it works in the app
- Duplicate the plan.
- In the copy, open the mortgage and add an “Extra repayment” or “Pay off fully”.
- Use Compare to see net worth, Could stop working, and passive cashflow side by side.
How it works in the app
- Tap “Sell an asset” and choose the property.
- Set the sale price and how the net proceeds should be allocated.
- Check the drop in passive cashflow (from losing the rent) and the change in net worth.
How it works in the app
- Tap “Buy a property”, set the price and mortgage, and leave rent at 0 for owner-occupied.
- Tap “Change your expenses” and lower your yearly expenses by the rent you stop paying, from the purchase month.
- Compare net worth and runway against the plan where you keep renting.
Career & income
How it works in the app
- Tap “Change your income”.
- Choose “Permanent”, set the new gross yearly income, and pick the starting month.
- Check the change in Could stop working and investable cashflow.
How it works in the app
- Tap “Change your income”.
- Choose “For a period”, set the amount to 0, and pick the start and end month.
- Check your runway — how long your money lasts — through the gap.
How it works in the app
- Tap “Change your income”.
- Choose “For a period”, set the allowance amount, switch on “Tax-free income”, and pick the start and end month.
- Check solvency and runway through the leave period.
How it works in the app
- Tap “Expect a windfall”.
- Enter the net amount and the month you'd receive it.
- Check where it's allocated, and its effect on net worth by the plan's final year.
How it works in the app
- Tap “Add an income stream”.
- Enter the monthly take-home amount and the month it starts.
- Check the change in your runway and Could stop working year.
Model this yourself
Investing strategy
How it works in the app
- Open Investments → Edit portfolio.
- Adjust the allocation, or add a planned “Change allocation” for a future month.
- Compare net worth and portfolio value across the horizon.
How it works in the app
- Open Investments → Edit portfolio.
- Add or edit a bucket's expected return, or plan a “Change a bucket's return” / “Change allocation” for later.
- Check the blended return and per-bucket balances.
How it works in the app
- Open Investments → Edit portfolio.
- On a bucket, add a “Reinvest / pay out income” change and choose “Pay out as income”.
- Check the payout in your passive cashflow.
How it works in the app
- Open Investments → Edit portfolio and tap “Move money between investments”.
- Choose the “From” and “To” places and the amount, and pick the month.
- Check the change in your blended return and net-worth path.
Debt strategy
How it works in the app
- Open the debt and tap “Extra repayment”.
- Enter the amount and choose savings or investments as the funding source.
- Check the new payoff date and the change in net worth.
How it works in the app
- Duplicate the plan.
- In the copy, open each debt and tap “Pay off fully” until you're debt-free.
- Use Compare to see net worth and passive cashflow side by side.
How it works in the app
- Tap “Plan a big one-off expense” and enter the car's cost.
- Choose savings or investments as the funding source for one plan, or a loan for the other.
- Compare net worth between the two plans.
Business ownership
How it works in the app
- Tap “Buy or start a business”.
- Set the starting value, monthly profit before tax, and a valuation mode.
- Check the business's equity and its contribution to net worth over time.
How it works in the app
- Open the business, then tap “Override assumptions” to set the exit valuation multiple.
- Tap “Sell an asset”, choose the business, and allocate the proceeds.
- Check the change in your Could stop working year.
How it works in the app
- Open the business in Assets, then tap “Capital expense”.
- Enter the amount, and optionally the extra monthly profit it will add once it pays off.
- Add a “Change cashflow” event for when the higher profit begins, and compare it against not reinvesting.
Model this yourself
Big life events
How it works in the app
- Tap “Plan a big one-off expense”.
- Enter the amount, the month, and how it's funded.
- Check the dip in your assets and the recovery afterwards.
How it works in the app
- Open your home in Assets, then tap “Renovation”.
- Enter the cost, and how much of it should add to the property's value.
- Check the change in the property's value and equity afterwards.
How it works in the app
- Tap “Change your expenses”.
- Choose “Permanent”, set the higher yearly expenses, and pick the month the child arrives.
- Check the change in runway and your Could stop working year.
Stress-testing
Requires Whatifi Pro
How it works in the app
- Open a plan and tap “Test your plan” under Plan Resilience.
- Wait for the 1,000 simulations to finish.
- Read the chance of success, the three outcomes, and the fan chart.
How it works in the app
- Open a plan and tap “Test your plan” under Plan Resilience.
- Scroll to “Chances by goal”.
- Check the probability for stopping work by your target year.
How it works in the app
- Create a what-if for the decision you're weighing.
- Run “Test your plan” under Plan Resilience on both the baseline and the what-if.
- Compare the two chances of success.
Model this yourself