Step 1
Build from ordinary financial blocks
Add salary, expenses, investments, property, business income, taxes, and life events without wrestling with a spreadsheet.
Private financial scenario simulator
See where your financial what-ifs could lead.
Model FIRE, two job offers, a home purchase, or a career break from simple building blocks. Change timing and uncertainty, then see the simulated outcome range—without connecting an account.
No bank connection. Local save and export included free.
What you can expect from Whatifly
1
Your plan stays yours
Financial inputs, scenarios, and results are calculated and saved on your device.
2
Assumptions stay visible
Inspect and change return ranges, probabilities, tax rules, and timing.
3
A useful result comes first
Build a simple projection before choosing whether advanced blocks are worth paying for.
One model, many decisions
Express the life around the numbers.
A savings-rate calculator cannot show what happens when a promotion, job loss, vesting schedule, mortgage, and career break interact. Whatifly can.
A coherent path, not isolated toggles
Connect related events so a job loss can stop salary and future RSUs while employer stock falls in the same simulated path.
Step 2
Give uncertainty a place in the plan
Set timing, ranges, and probabilities in plain language, then inspect the numeric assumptions Whatifly uses.
Step 3
Connect events that belong together
Model job loss stopping salary and RSU vesting, or a home purchase changing cash, debt, expenses, and eventual sale proceeds.
Understand the range
Follow cash flow, simulated balances, bad paths, and the events behind them.
Compare the difference
Put two scenarios side by side and see exactly which changes explain the gap.
Pricing for real decisions
Start useful. Upgrade when your model needs more.
Privacy, local saving, export, and explanations are not premium features. Pay only when you need more powerful blocks and comparisons.
Basic
Build a clear foundation.
$0forever
- Salary, expenses, and starting cash
- Estimated ordinary income tax
- Simple projections
- Local save, export, and import
Plus
Compare paths with uncertainty.
$5/month
- Everything in Basic
- Investment and contribution timing
- One-time events and basic uncertainty
- Two-scenario comparison
Complete simulator
Full
Model the complicated parts of life.
$9/month
- Everything in Plus
- Mortgages, property, and business
- Equity compensation and crypto
- Detailed taxes and event dependencies
No renewal
Full week pass
Seven days of Full access for one job offer, home decision, or planning session.
$3once
Get the passClear by design
Questions before you model?
Your next decision deserves a range
Add the event. Change the odds. See what moves.
Begin with an editable scenario, get a useful result for free, and replace the example numbers with your own—privately on your device.
Start modeling free