The app · What-if

Change anything. Commit nothing.

Test a career break, a bigger flat or a second child on a copy of your plan. Compare the results, then apply them in one undoable step or discard them.

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Before · After · Compare

Two futures, one honest chart.

The what-if is a full copy of your plan, with every module, every goal and the same projection engine. One toggle flips between what you have, what you're testing, and the gap between them.

Before is your plan, lockedThe baseline stays view-only inside the comparison, so nothing you try can quietly rewrite the thing you're comparing against.

After is the working copyEdit any module, drag goals on the chart exactly as you do on the dashboard. Only the fork moves.

Compare shows the gapTwo net-worth lines on one chart, the difference shaded, with your financial-freedom age on both. No squinting at two tabs.

What-if comparison

The scenario is drawn over your baseline with the gap shaded: freedom moves out 20 months, from 57 to just before 59, and fully recovers. Nothing touches your plan until you apply.

BaselineCareer-break scenario

Adjustments (2)

IncomeEditRevert

You · Gap yearsnone → 2033

Goals / MilestonesEditRevert

Sabbatical traveladded → 2033

Illustrative scenario on the app's demo household.

Safe by design

Your real plan never feels a thing.

A what-if is a copy of your plan, so you can try anything. Saving pauses while you're in it, and you get two safe ways out.

Nothing saves until you say so

While a what-if is open, autosave is off. The plan on disk stays exactly as it was, no matter how wild the scenario gets.

Apply is one undoable step

Like the scenario? Apply commits the whole fork as a single command. Change your mind, press Undo, and your old plan is back.

Discard leaves no trace

Don't like it? Discard restores the baseline byte for byte. It was never saved, so there's nothing to clean up.

Revert one module, keep the rest

Every change is listed under the chart, module by module, with its own Revert. Undo the income change, keep the new goal.

The details

Built for how people actually decide.

Every change, itemised

The adjustments list under the chart shows exactly what you changed, field by field, as before-and-after pairs. You always know why the two lines differ.

No change, no comparison

Open a what-if and change nothing, and the screen just says "Make a change to compare".

Couples keep both views

The You/Partner toggle works inside the comparison too, so each of you can see the same scenario from your own side of the household.

Life changed? Replan.

Start from Track to update your plan with today's figures. Compare, then save with an optional note. You can undo it.

Test the future before you live it.

14 days to test changes on your real numbers. Cancel before day 14 and you won't be charged.

Start your 14-day free trial See pricing

Cancel before day 14, no charge