Sam · What-If StrategistExplore the financial impact of life's biggest decisions before they happen.
Run simple What If scenarios for retirement, investing, home ownership, career changes and major life events. See how small decisions today could shape your future wealth, income and financial wellbeing.
Free to start · iOS & Android
🌅 Retirement
Retirement and early-retirement scenarios — test whether your money lasts and what trade-offs you'd face.
What if I retired today?
See whether your assets and income could support your lifestyle.
→What if I retired 5 years earlier?
Understand the trade-off between freedom and financial security.
→What if I lived to 100?
Explore whether your money could last longer than expected.
→What if inflation stayed high?
See how rising costs could impact your retirement plan.
→What if healthcare costs doubled?
Estimate the effect of unexpected medical expenses.
📈 Investing & Portfolio
Investment scenario, asset allocation and diversification calculators to stress-test your portfolio.
What if the market dropped 20%?
Stress-test your portfolio against a major downturn.
→What if I invested an extra $500 a month?
See how consistent investing could accelerate wealth growth.
→What if I diversified my portfolio?
Explore how spreading risk may improve resilience.
→What if one investment became 50% of my portfolio?
Understand concentration risk and potential outcomes.
→What if I changed my asset allocation?
Compare different mixes of stocks, cash, real estate and more.
🏡 Real Estate
Home ownership and mortgage scenarios — compare buying, renting, refinancing and paying off early.
What if I bought a home instead of renting?
Compare long-term costs, equity and cash flow.
→What if mortgage rates fell by 1%?
See how refinancing could affect your monthly payments.
→What if property values increased 20%?
Estimate the impact on your net worth.
→What if I paid off my mortgage early?
Explore interest savings and future flexibility.
🔄 Life Changes
Major life events — model how a new baby, a career change or a move could reshape your finances.
What if I had a baby?
Understand the long-term financial impact of growing your family.
→What if I changed careers?
See how income changes could affect your future goals.
→What if I lost my income for 6 months?
Check how prepared your finances are for the unexpected.
→What if I moved to a different city?
Compare housing, lifestyle and cost-of-living changes.
→What if I received a $100,000 windfall?
Explore different ways to use unexpected money.
💳 Debt & Financial Health
Debt payoff and financial-resilience scenarios — see how freeing up cash flow changes your future.
What if I became debt-free?
See how much cash flow you could free up.
→What if I paid an extra $200 a month toward debt?
Estimate how much faster you could become debt-free.
→What if I built a 6-month emergency fund?
Understand how stronger protection could change your future.
→What if I reduced my spending by 10%?
See how small changes can compound over time.
💎 Net Worth & Wealth Building
Net worth projection and financial independence calculators to visualise your long-term wealth.
What if my net worth grew 10% a year?
Visualise your future financial position.
→What if I reached financial independence?
Estimate when your assets could cover your lifestyle.
→What if I saved 20% of my income?
See the long-term impact of a higher savings rate.
→What if I invested every tax refund?
Discover how occasional investing can compound over time.
Run any scenario on your real numbers
Track your net worth, then ask Sam any “what if.” Free to start, on iOS and Android.
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