WhatIf
See the financial impact before you decide.
One sentence in, two futures out. WhatIf compares your current path with an alternative and shows how the decision could affect your cash flow, buffer, debt, net worth, and goals.
Every number traced to NZ IRD & KiwiSaver rulesNothing calculated until you confirmIllustrative, never a recommendation
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What we understood - try tapping a valuehigh confidence
Buy a car for , effective , paying cash and financing the rest at .
Nothing is calculated until you confirm. This is a demo - nothing here is saved.
The payoff
Both futures, one screen.
One deterministic, versioned engine - sourced to NZ tax and KiwiSaver rules. Every number shown is traceable back to that engine, never invented by AI.
Buy a $60,000 car in March 2027
60-month horizon · illustrative estimate, not advice
Current path What if I buy the car
Monthly cash flow
-$745
Net worth at 60 months
-$48,720
Lowest cash buffer
$8,200
Based on the assumptions shown with a result like this. Could change if income, the loan rate, or the purchase date change.
Information
WhatIf gives illustrative, educational scenario estimates based on the information and assumptions you provide. It does not give personalised financial advice, and it does not recommend a specific product.