Whatifi: Plan Your Money

Big money decisions deserve more than a gut feeling.

Whatifi lets you model life's biggest financial choices — buying a home, changing jobs, starting a business, paying off debt — and watch how each one plays out over the years. Build a plan, explore the alternatives, and compare the outcomes side by side before you commit.

QUESTIONS WHATIFI HELPS YOU ANSWER
• Can I actually afford this property?
• When can I realistically retire?
• What happens to my financial future if my income changes?
• Should I pay off debt or invest?
• What if I sell my business?

SCENARIO PLANNING
Start with a baseline plan, then fork "what if" alternatives. Compare net worth, passive income, and financial independence side by side — the trade-offs become obvious at a glance.

A TIMELINE FOR YOUR LIFE
Place acquisitions, sales, income changes, and debt payoffs on a year-by-year timeline. Every event respects your cashflow, so the plan always stays honest.

HONEST, TRANSPARENT MATH
No black box. Every projection shows the assumptions behind it — growth rates, returns, reserves. Adjust any of them and the numbers update instantly.

LIQUID VS. NET WORTH
Understand your cash runway separately from your total net worth. See when savings actually run out — not just when a spreadsheet total looks fine.

ANY CURRENCY, DEEP FOR CZECHIA
Plan in 14 currencies including EUR, USD, and CAD, or model any country with simple net-income entry. Czech plans get full payroll (HPP) and OSVČ paušál tax modeling built right in.

PRIVATE BY DESIGN
Your data and financial plans stay on your device. No account required to explore your future. We never see or store the values you enter.

GUIDED OR ADVANCED
Set up your first plan in minutes with a guided walkthrough — or dive straight into advanced editing if you prefer full control.

FREE TO START
• Your baseline plan + one what-if
• Two-way scenario comparison
• Full timeline events
• Any currency, Czech tax modes, EN/CS

WHATIFI PRO
Unlock planning without limits:
• Unlimited plans & what-ifs
• Compare many plans side by side
• PDF export of plans & comparisons
• Plan Resilience — your odds across a thousand futures
• Support ongoing development

Available as a monthly or yearly subscription, or a one-time lifetime purchase. Prices shown in the app before you buy.

Your future deserves more than a gut feeling. Start asking "What if I?"