Make it to payday
Cash never below zero until payday.
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
- From the day you start to your next payday, from your forecast
- 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 11 of 18
Invented days, in the shape real ones take.
10 days above your floor so far.
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.
Cash at each day’s close
A day holds when your cash closes it at or above your floor: zero, or a buffer you set.
Planned spending counts
A balance is a balance: what you planned still leaves the account. Your forecast already had it in when you started.
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
Your floor is yours alone. Nobody else in a challenge sees it, and the card you can share says days, never your floor or your cash.