BudgetIFIndependent planning for YNAB users

Independent what-if planning for YNAB users

Know the impact before you commit.

Already budget with YNAB? BudgetIF helps you explore the decisions ahead—childcare, renovations, holidays and new commitments—before changing your real budget.

Try the interactive demo See how it works
No sign-upSample financesAbout two minutes

Independent concept for YNAB users. No account connection or changes to your actual budget.

Financial snapshot

The childcare decision

Sample data

Your headroom

£700

Available monthly

New expense

£850

Every month

Unfunded each month

-£150

Your existing plan needs £150 of room.

How you could make room

£150 freed
Dining out-£50
Holiday savings-£100
Remaining monthly gap£0

Built around the way you budget

Keep budgeting with YNAB. Explore what comes next with BudgetIF.

YNAB remains the place to manage your actual plan. BudgetIF is a separate space to test future costs, compare choices and prepare the adjustments you may want to make.

YNAB

Your actual budget

Manage your categories, assign the money you have and keep track of real spending in the budgeting app you already use.

Visit YNAB

BudgetIF

Your what-if workspace

Simulate new commitments, compare scenarios and develop a funding plan before manually bringing those decisions into your actual budget.

Explore your scenarios

Current demo status: independent, sample-data only and not connected to YNAB. We do not claim official YNAB endorsement or partnership.

Better decisions start with a clearer picture.

12-month outlookReal trade-offsPractical next steps

Built for the decisions that matter

Big financial decisions deserve more than guesswork.

You know where your money goes. But do you know what needs to change when a new commitment arrives?

Family planning

Starting childcare?

See the impact of a new £850 monthly commitment.

£850

per month

Explore

Transport

Thinking about a car?

Find out what a £350 payment changes in your budget.

£350

per month

Explore

Housing

Mortgage going up?

Stress-test a £300 increase before it kicks in.

£300

per month

Explore

Future project

Planning a renovation?

Start with a £12,000 project budget and explore when it could be funded.

£12,000

one-off goal

Explore

New in BudgetIF

Don't stop at “what if?” Turn it into a plan.

Explore a decision, save the options that matter, compare the outcomes and take a practical checklist into your real budget.

Explore Compare & Decide

Preloaded with fictional nursery and car scenarios. Changes are saved in this browser only.

Save

Keep your scenarios

Compare

Weigh up alternatives

Plan

Follow the next steps

Plan the next few years

Plan Ahead: life's big expenses, one timeline.

You don't have to know the dates yet. See how ongoing bills affect the amount you can put aside, choose which future goal matters most, and explore when each could be fully funded.

Explore Plan Ahead

Fictional savings and costs. Start with five years or explore up to ten.

Illustrative roadmap

One plan. Several priorities.

Example household

  1. Ongoing commitment

    Childcare

    £850 / month

    Reduces future headroom

  2. Priority savings goal

    Home renovation

    £12,000 goal

    £8,000 already set aside

  3. Flexible savings goal

    Family holiday

    £4,000 goal

    £1,500 already set aside

Move a priority or adjust a cost to see how funding dates change.

Explore timeline

How it works

From “what if” to “now I know”.

Three steps to understand the budget impact of your next big decision.

  1. Step01

    Start with a budget

    Explore a realistic example of your income, bills, everyday spending and savings goals.

  2. Step02

    Add a commitment

    Set an amount and start month for the financial decision you're considering.

  3. Step03

    See what changes

    Understand the funding gap and experiment with ways to make room.

More than a number

Don't just see the cost. See the trade-offs.

A new expense might fit your income but compete with existing goals. Explore possible changes to flexible spending and savings contributions without altering your real budget.

Understand how much monthly room you really have
See how the impact changes across 12 months
Try category adjustments before making a decision

Example outcome

Your budget, rebalanced.

Per month

Before adjustments

-£150

After adjustments

£0

Changing holiday savings contributions can free room today, but means saving less toward that goal. The demo makes these decisions explicit.

Take a look ahead

Try a financial decision before making one.

Explore a realistic household budget and see the effect of a new financial commitment in less than two minutes.

Launch the demo

No registration. No bank connection. Sample numbers only.