Until the card is cleared
Nothing new on the card until its payoff date.
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 the card’s payoff date, from your forecast
- Counts
- The card you pick
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 25 of 41
Invented days, in the shape a real month takes.
Nothing new on the card for 24 days 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.
Nothing new on the card
A day holds when nothing new goes on the card you pick. Paying the card off isn’t something going on it.
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.