How it works

See the impact of a decision in three clear steps.

Capture where your household stands today, change the assumptions behind a possible move, and compare how the months ahead could look.

Build your baseline

Step 01
Capture today
Enter the available cash, income, bills, and living costs that shape your household today.
Step 02
Test the change
Duplicate the baseline, then change the assumptions behind the decision you are considering.
Step 03
Compare the outcome
See how each option could affect projected balances and monthly breathing room.

Start with reasonable estimates. You can refine them at any time.

Step 1

Give every what-if a real starting point.

Add available cash, take-home income, recurring bills, and estimated living costs. Together, they create the baseline every alternative can be measured against.

A useful comparison starts with useful estimates.

Update them whenever better information becomes available.

Starting cash or savings

Household income

Recurring bills

Estimated living costs

Projection duration

Baseline

Current Plan

Housing: $1,850/mo
One-time costs: $0

What-if

New Home

Housing: $2,650/mo
Moving costs: $4,200

Fictional planning values shown only to explain the workflow.

Step 2

Change only what the decision changes.

Duplicate your baseline, then replace an income, add a mortgage, include childcare, schedule a major purchase, or combine every related change in one scenario.

Your baseline stays intact, so you can test an alternative without rebuilding or overwriting the plan you started with.

Step 3

See where each option leaves you.

Review the same months side by side. Look for the tightest cash position, the first projected shortfall, the room left each month, and the assumptions driving the difference.

If a scenario ends with a negative net change, you will also see approximately how much additional take-home income would bring that net change back to $0. The projection supports your decision; it does not make the decision for you.

What you can see

Based on your assumptions

Tightest cash position: $8,450

First month below $0: None

Projected net change: +$2,180

Projection length: 12 months

Example values are illustrative and are not a recommendation or guarantee.

Clearer tradeoffs, clear boundaries

Use the projection to inform the decision - not replace your judgment.

Cashflow Scenarios helps you understand household cashflow outcomes. Other financial questions may call for other tools or professional guidance.

What you can see more clearly

How cash could change month by month
Where the plan may get tight
When the balance may first fall below $0
Which option leaves more breathing room
The approximate income gap in a negative scenario
Which assumptions have the greatest impact

What still sits outside the projection

Retirement planning
Investment forecasts
Tax optimization
Insurance recommendations
Lending approval
Professional financial advice
Guarantees about future outcomes

Cashflow Scenarios does not tell you which decision to make. It helps you see the cashflow tradeoffs before you make it.

Ready to compare your options?

Build your baseline, test the change, and see where the months ahead could tighten or improve.