Look past this month.

YNAB answers where am I right now. Whatif answers where will I be — your own budget, rolled forward a day at a time from your real balances, on your real pay dates and due dates.

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.

See it with a sample budget Connect your own

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Austin household, today

A sample budget. Invented figures, in real shapes.

Payday. Will this hold up through March?

Every account, rolled forward from what it holds this morning: each salary and bill on its own date, your monthly spending figures spread over the days between. The answers are read off one daily line, so every date is a day rather than a month.

Lowest point: $378.08; 14 Feb 2027
Crosses zero: Never; in this horizon
Highest point: $11,810.92; 30 Oct 2027
End of horizon: $11,764.63; after $17,258.56 of modelled spending
Net worth then: $148,425.43; cash, plus what you own, less what you owe
Auto loan clears: 28 Feb 2027; on this plan
Visa clears: 1 May 2027; on this plan

Cash flow, day by day

Every day between now and the horizon, on one line. Hover a day for what lands on it; click it to open its month.

Mid-month. How are the days going?

The month today is in, a day at a time. The days before today are already in your balance, so each says only what it spent against its share of your spending figures. The days from today say what lands on them, and the balance each ends on.

Days within their share: 22 of 30; before today, each against its share of your spending figures
Day’s share: $38.56; what is left of your spending figures, over the 1 days from today

The whole month

Day by day

The 7 days before today and the 14 from it — what lands on each, and the balance it ends on.

The whole month

Day	What moves				Balance

Spent counts only the categories your figures cover, against each day’s share of them.
Sat 24 Oct			−$46.29	$0.00within its share
Sun 25 Oct			−$46.29	−$48.38$2.09 over its share
Mon 26 Oct			−$46.29	−$199.07$152.78 over its share
Tue 27 Oct			−$46.29	−$25.80within its share
Wed 28 Oct			−$46.29	$0.00within its share
Thu 29 Oct			−$46.29	$0.00within its share
Fri 30 Oct			−$46.29	$0.00within its share
From todaythe forecast, from what your accounts hold this morning
Sat 31 OctToday	modelled spending		−$38.56		$6,907.60
Sun 1 Nov	Childcare	−$980.00	−$47.84		$3,599.76
	Mortgagemoves to a balance you own	−$1,680.00
	Visamoves to a balance you own	−$600.00
Mon 2 Nov	Streaming	−$18.00	−$47.84		$3,533.93
Tue 3 Nov	Property tax	−$380.00	−$47.84		$3,106.09
Wed 4 Nov	modelled spending		−$47.84		$3,058.26
Thu 5 Nov	modelled spending		−$47.84		$3,010.42
Fri 6 Nov	Gym	−$45.00	−$47.84		$2,917.59
Sat 7 Nov	modelled spending		−$47.84		$2,869.75
Sun 8 Nov	Student loanmoves to a balance you own	−$260.00	−$47.84		$2,561.92
Mon 9 Nov	modelled spending		−$47.84		$2,514.08
Tue 10 Nov	Internet & phone	−$85.00	−$47.84		$2,381.25
Wed 11 Nov	modelled spending		−$47.83		$2,333.41
Thu 12 Nov	modelled spending		−$47.83		$2,285.58
Fri 13 Nov	modelled spending		−$47.83		$2,237.75

Month-end. Where did it go?

Your own transactions, added up the way YNAB adds them up and measured against the targets you set there. The surprise factor is the share of a month no target accounted for — and on each of those transactions, only you can say whether it really was one.

Spent in Sep 2026: $5,642.00; 31 transactions, nothing refunded.
Surprise factor: 1%; $69.00 no target covered

Against your targets

Sep 2026 — measured against the targets set in YNAB

Within target: $5,573.00; of $5,618.00 targeted
Over target: $69.00; in 1 category
Dining out69.00
No target set: $0.00; Every category you spent in has one.

What no target covered

Sep 2026, biggest first

Where Sep 2026 went

What	Amount	Your marks
Taqueria9 Sep · Dining out · $69.00 over its target	137.33
Thai place16 Sep · Dining out · $69.00 over its target	103.00
Diner22 Sep · Dining out · $69.00 over its target	68.67

After a sync. What changed?

YNAB seeds your plan and you correct it: a row you never touched follows YNAB’s target when it moves, and a figure you stated stays yours.

What your syncs changed

A row on a YNAB target follows it when it changes in YNAB, out of the forecast if the target or category goes. Each change a sync makes is listed here, and so is what YNAB changed under a figure of your own.

Nothing yet. When a sync changes a row that follows your YNAB target, or YNAB stops stating something the forecast counts, it is listed here.

Dining out: you spend more than the targetNew
The target is 240 a month and recent months average 302. The forecast is using the target.
Open your spending plan
$62.33
2 accounts outside the forecastNew
Home, Brokerage are tracked in YNAB but off-budget, so they move your net worth rather than your cash. This chart is cash.
Open your accounts
$397,400.00

In between. Change one thing, or ask.

What if

Change one thing — cut a category, add a one-off, move your income — and watch it as a second line against the forecast.

Try one

Here: eating out half as often, and half as much on clothes and things for the house.

Ask

Questions about your own budget, in plain words. Figures come from the same arithmetic the pages show, and every answer links back to the page that computes it.

When do I cross zero, and what is my lowest point this year?
Which month is tightest, and what is in it?
What if I cut my biggest spending category by 10%?
What is wrong with this forecast?

See it with a sample budget, or connect your own.

The sample budget is the Austin household on this page, with every screen open. Your own budget connects to YNAB read-only, and its forecast is ready once the first sync has read it.

See it with a sample budget Connect your own

Start with a free trial. No card needed.

No budgeting, no advice, no returns assumed, no inflation, no tax. Arithmetic on your own numbers — the conclusions are yours.