Creating a scenario
Build a what-if — a raise, a new loan, a bigger rent — starting from your existing plan.
2 min read
Creating a scenario is like making a copy of your financial life that only you can see, then changing a few things in it. Your real plan stays put while you experiment.
Pro feature
Creating scenarios is a Pro feature. See what Pro includes →
Start a new scenario
Open Simulations (inside Finance) and create a new scenario. Give it a name you'll recognise later — "If I get the new job", "Move to a bigger flat", "Overpay the car loan".
It begins as an exact copy of your baseline, so you're never starting from scratch.
Add your changes (overrides)
Now layer on the changes you want to test. These are called overrides — they sit on top of the baseline and only exist inside this scenario:
- Change an amount — bump your salary, raise your rent, adjust a subscription.
- Add something new — a new expense, a new loan, a new investment contribution.
- Remove or pause — model dropping an income or cancelling a cost.
- Tweak a loan or investment — a different rate, an overpayment, bigger contributions.
You can stack as many overrides as you like in one scenario to model a whole life change — a new job and a move and a new car, all at once.
Tip
Keep each scenario focused on one decision where you can. It's easier to read "what does the move cost me?" when the move is the only change.
Try several at once
Scenarios are saved, so you can keep a few side by side — a cautious version, an ambitious version, a worst-case version — and revisit them whenever your thinking changes.
Nothing is committed yet
Building and editing a scenario changes nothing in your real finances. Overrides are computed on the fly when you view the scenario, then forgotten. Your baseline only changes if you deliberately apply the scenario later.