Keep 15%
Keep 15% of this month’s income.
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
- The rest of this month
- Counts
- Your whole budget
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 29
Invented days, in the shape a real month takes.
65% of this month’s income kept so far — 15% holds it.
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.
A month at a time
What came in less everything that went out, from the month’s 1st, judged on its last day. A month that ends after the challenge isn’t judged, so spending before payday never reads as a miss.
Every purchase counts
Bills and planned spending included: a share of what came in is kept, or it isn’t.
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.