Monthly gap
$540
Test money decisions before you make them.
See your “what if” — pick your plan.
Stop guessing. Test income drops, surprise bills, and debt-vs-savings choices before you commit.
INCOME DROP SCENARIO
Could you cover a 20% income drop?
Cash lasts
22.2 months
Flexible trim
$275
Trimming $275/month from flexible spending narrows the gap to $265 and extends the runway from 22.2 to 45.3 months.
Example run: $5,200/mo take-home, 20% drop, $4,700/mo spending, $12,000 saved.
Start with a real-life money question
Start with a pre-built scenario and see the tradeoffs side by side.
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LIVE SCENARIO
If the Paycheck Stops
What if your paycheck shrank — or stopped?
See how long your cash could last and where the monthly gap appears.
EXAMPLE RESULT
A $540 monthly gap. Savings cover it for 22.2 months.
Example run: $5,200/mo take-home, 20% drop, $4,700/mo spending, $12,000 saved.
LIVE SCENARIO
The Surprise Hit
What if an unexpected bill landed this month?
Compare cash, credit, or a mix before you choose how to handle it.
EXAMPLE RESULT
Splitting the payment leaves $1,800 in cash and about $26 of interest.
Example run: $1,200 bill, $2,400 cash on hand, $200/mo repayment, 24.9% APR.
LIVE SCENARIO
Save or Settle
What if your next dollar went to savings instead of debt?
Compare building cushion now against paying debt faster.
EXAMPLE RESULT
Debt first pays $829 less interest than building the buffer first.
Example run: $15,000 at 22% APR, $450/mo payment, $300/mo to savings, $2,000 buffer target.
CASH FLOW
Where You Land
What if you looked at your month honestly?
See where your money actually lands after income, bills, spending, and timing.
EXAMPLE RESULT
The month lands at +$1,030 — room to move, once it has a job.
Example run: $5,800/mo take-home, $2,570/mo bills, $1,400/mo flexible, $550/mo saved, $3,000/yr irregular.
HOUSING
Comfortable or Stretched
What if this home costs 30% more than you planned?
Stress test the full cost of a home before you commit.
EXAMPLE RESULT
Staying put leaves $1,762/mo — comfortable. The new home leaves $515 — stretched.
Example run: $6,800/mo take-home, $1,938/mo to stay put, $3,185/mo for the new home.
RETIREMENT
When You Stop
What if you stopped sooner, later, or right on schedule?
Compare three dates for when to stop working — sooner, as planned, or one more year — across the same 1,000 simulated futures, and see the odds instead of a single score.
EXAMPLE RESULT — AS OF 2026
Among the 954 futures that reached all three dates: stopping sooner met the target 31% of the time, the planned date 59%, one more year 71%. Median $163,000 left on the planned date.
Example run: single, age 61 in 2026, planning to stop working in 2 years — $760,000 saved (taxable, tax-deferred, and Roth), $68,000/yr spending target, $1,500/mo still saved, $2,600/mo Social Security at full retirement age 67, $16,000/yr pre-Medicare healthcare.
Four steps from question to plan
Start with one question. Add a few numbers. See which path gives you more breathing room.
1
Pick a scenario
2
Enter your numbers
3
Compare the paths
4
Save your plan
What you get from a scenario
Compare paths side by side
Put two or three ways of handling the same decision next to each other and read what each one costs.
See what each path gives up
Every path shows the same three things: interest paid, cash left, and how many months your savings cover.
Leave with a plan
Turn the path you pick into a short plan summary you can save, revisit, and update when your numbers change.
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