Terms

What this is

Whatif projects your existing YNAB plan forward and lets you model changes to it. It is arithmetic on numbers you supplied.

It is not advice

Whatif is not a financial adviser and gives no advice. It applies no expected returns, no inflation assumption and no recommendation — every figure it shows is a deterministic consequence of your own inputs, and every conclusion drawn from one is yours.

It cannot change your budget

The access Whatif is granted to YNAB is read-only. It cannot create, alter or delete a transaction, a category, a target or an account.

Accuracy

A projection is only as good as the plan it is built from. If your scheduled transactions are out of date or your targets do not reflect what you actually spend, the forecast will say so as clearly as it can — but it cannot be more right than its inputs.

Availability

Whatif depends on YNAB's API, which is operated by YNAB and may change or become unavailable without notice. Whatif is not affiliated with, endorsed by, or sponsored by YNAB.

Plans and trials

Paid plans are billed monthly in advance through Stripe, at the price shown on the pricing page when you subscribe. A new subscription starts with a free trial of the length shown there, and starting one needs no card. If you add a card before the trial ends, the first month is charged to it on the day the trial ends and every month after that, unless you cancel first. If you do not add one, the trial ends and nothing is charged. One trial per person.

Moving between plans takes effect straight away, and the difference for the rest of the month is added to or taken off your next invoice. Cancelling stops the next charge, and you keep the plan until the end of the month you have paid for.

Ending it

Cancel whenever you like. Deleting your account deletes your data, immediately and irreversibly, and cancels your subscription first.