Life Scenario Studio

It is a free planning tool that takes one snapshot of your finances — your monthly income, spending, cash savings, and debt — and shows how a major life event would ripple through all of it at once. Instead of guessing about a single number, you see the connected effect on your monthly cash flow, how many months your savings would last, and your debt-free timeline.

No. Everything runs entirely in your browser. Nothing you type is stored, transmitted, or shared, and the page keeps no record once you close it. There is no login and no account — a deliberate design choice so you can use real numbers freely.

The Studio uses transparent month-by-month math on the figures you enter, but it is a simplified model for education, not a forecast. Real life includes taxes, raises, irregular bills, and rules that vary by state and employer. Treat the results as a directional starting point and confirm specifics with your own statements and a qualified professional.

You can model five of the most common turning points: a job loss, welcoming a new baby, a pay raise, buying a home, and receiving a windfall. Together they span the full range — a sudden income shock, a lasting new expense, added income to put to work, a major asset purchase, and a one-time lump sum.

Yes — comparison is the point. Modeling a downside event like a job loss alongside an upside one like a raise shows you both how exposed you are and how quickly good news could strengthen your position, which helps you decide what to prioritize: building a cushion, paying down debt, or both.