Whatifi: Plan Your Money

Marek Slavíček

In-app purchases

About this app

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 see how each one could play out over the years. Build a plan, explore alternatives, and compare the outcomes before you commit.

START WITH THE QUESTION
Choose a target — reach financial independence by a certain year, build a chosen net worth, or make your money last — and Whatifi shows what it could take. See how much more you may need to earn, how much less you may need to spend, or how much longer you may need to work.

COMPARE THE DECISION
With Whatifi Pro, test several versions of a purchase side by side. Compare a home's price, mortgage rate, down payment, payment or term, or explore different business profit levels while the rest of your plan stays consistent.

SCENARIO PLANNING
Start with a baseline plan, then fork what-if alternatives. Compare net worth, passive cashflow, cash runway and financial independence side by side — so the trade-offs are clear.

A TIMELINE FOR REAL LIFE
Place purchases, sales, income and expense changes, debt repayments, recurring income and investment withdrawals on a monthly timeline. Move money between your cash reserve and investment segments without losing sight of the wider plan.

IDEAS WHEN YOU NEED THEM
Explore a library of real-life questions — from buying a first home or taking parental leave to drawing an income from investments — with a direct path into the right modelling tool.

HONEST, TRANSPARENT MATH
Every projection shows the assumptions behind it: income and expense growth, returns, rates and reserves. Adjust them now, or use Whatifi Pro to model how selected assumptions change in future years.

LIQUIDITY VS. NET WORTH
Understand your cash runway separately from total net worth. See when accessible money may run out, not just when a spreadsheet total still looks healthy.

ANY CURRENCY, DEEP FOR CZECHIA
Plan in 14 currencies, including CZK, EUR, USD and GBP, or model another country with simple net-income entry. Czech plans include payroll and OSVČ tax modelling. Version 1.2 also adds optional estimated Czech disposal tax for taxable asset sales and investment withdrawals. Estimates are for planning, not tax advice.

PRIVATE BY DESIGN
Your plans stay on your device. No account is required, and we never see or store the financial values you enter.

FREE TO START
• Your baseline plan plus one what-if plan
• Two-plan comparison
• “What would it take?” target calculations
• Timeline decisions, recurring income and investment movements
• 14 currencies, Czech tax modes, English and Czech

WHATIFI PRO
Unlock planning without limits:
• Unlimited plans and multi-plan comparison
• Plan Resilience simulations
• Side-by-side purchase and business value comparisons
• Future assumption changes
• PDF export of plans and comparisons

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

Your future deserves more than a gut feeling. Start asking: “What if I?”

What’s new

What would it take to reach your goal? Set a target for financial independence, net worth or cash runway and see the change that could get you there. Pro users can now compare purchase and business values side by side. Also new: recurring income, expense changes, investment transfers and withdrawals, more plan ideas, optional Czech disposal-tax estimates, updated Czech levy modelling, and many reliability and UI fixes.