Beat your best run
More days in a row with nothing spent than this year’s longest.
A challenge on your own YNAB budget. Whatif checks every day against your transactions after each sync, and before it starts, shows what it would do to the lowest point in your forecast.
- Days
- 30 days from the day you start
- Counts
- Everything except bills
Every part of it can be changed before it starts.
It runs on your own YNAB budget, which connects read-only. Start with a free trial. No card needed.
Day 18 of 30
Invented days, in the shape a real month takes.
3 in a row so far — 7 more for 10.
How Whatif counts it
Most of these are the same in every challenge.
Checked after each sync
Every day is checked against your own transactions once Whatif has read them. Nothing to tick and nothing to log: YNAB already has the record. A day not synced yet never counts as one with nothing spent.
Bills don’t count
Everything except bills is every category your plan doesn’t pay on a date. Rent can’t break a no-spend day, and moving a purchase to another category can’t game one.
Planned spending is excused
Spending you had planned for that day, before the day came, never counts against it. Planning ahead is the point of Whatif.
Refunds don’t undo a purchase
Returning a jumper on Saturday doesn’t undo Saturday’s takeaway.
Final after three days
Banks import late, so a purchase that arrives on Thursday can still turn Tuesday into a miss. After three days a day is final, and the result waits for the last one.
Nobody sees an amount
A rule is days, counts or a share of your own figures. The card you can share says those, and never an amount.