Your YNAB plan, forecast forward — and then changed, to see what happens.
YNAB answers where am I right now. Whatif answers where will I be, and then lets you change something and watch the answer move.
Read-only. Whatif connects to YNAB with read-only access. It cannot change a budget, a transaction, a category or a target — not by design choice, but because the access it is granted does not permit it.
Where this budget lands
An invented household, in real shapes. The arithmetic is the arithmetic — this is the product running, not a picture of it.
- Cash today
- £11,634.16
- Across every account on the budget
- Lowest point
- £11,249.87
- 25 Sep 2026
- Cash in a year
- £24,663.50
- After every bill, payday and scheduled item
- Net worth
- £110,051.82
- What is owned, less what is owed
Now change one thing
Eat out half as often, and halve what goes on clothes and things for the house. The groceries and the fare to work are left alone — they are not the part of a month anybody chooses. Below is the twelve months that follow, line by line rather than as a total that moved.
| What changed | Effect |
|---|---|
| Clothesadjusted | +£361.00 |
| Householdadjusted | +£421.17 |
| Eating outadjusted | +£917.33 |
| Net effect over the horizon | +£1,699.50 |
A baseline you can audit
A roll-forward from your real balances, on your real pay dates and due dates. Open any week and see exactly which items produced the number.
Scenarios that stay live
A scenario is a diff on the baseline, not a copy of it. Your plan changes in YNAB and every saved scenario follows — no re-entry, no drift.
One job, not thirty
No budgeting, no retirement modelling, no tax, no advice. It reports arithmetic on your own numbers and leaves the conclusions to you.