See how your financial
decisions play out
before you make them.
Worthune models the long-term consequences of life's biggest financial choices — so you can compare paths, understand trade-offs, and move forward with clarity.
Most financial decisions are made without seeing the full picture.
Buying a home. Retiring early. Changing careers. Having a child. These are not small choices — they shape decades of financial outcomes. Yet most tools answer narrow questions in isolation, ignore how decisions interact over time, and focus on inputs rather than consequences.
Fragmented tools
A calculator for rent vs. buy. A different one for FIRE. Another for debt. None of them talk to each other.
Single-point answers
Most tools give you one number as if the future were certain. Real outcomes are a range — and the range matters.
No second-order thinking
A career break affects your FIRE date. A child affects your savings rate. These connections are rarely modeled.
From isolated calculators to decision modeling.
Worthune is built around decisions, not products. You start with a life event — a job change, a home purchase, a career break — and model what different paths look like over time.
A range of outcomes, not a single number
Monte Carlo modeling shows you optimistic, base, and pessimistic scenarios — because the future isn't a straight line, and false precision is its own kind of risk.
Decisions that connect to each other
Your FIRE date shifts when you have a child. Your refinance calculus changes when you're planning a sabbatical. Worthune surfaces those connections.
Transparent assumptions, not black boxes
Every model shows you what's driving the outcome. Change an assumption and watch the numbers move. Understanding the math is part of the value.
See real decisions, modeled in real time.
Follow a persona through their financial life — the trade-offs they face, the paths they consider, and the numbers behind each choice. Then run the same scenarios for your own situation.
Find your scenario.
Browse by life stage, event type, or search for the decision you're facing.
A structured way to explore complex decisions.
No sign-up required to start. Adjust inputs to reflect your situation — not a generic template. Use the insights to inform your own thinking, or to prepare for a conversation with a financial professional.
Start with a decision
Choose a scenario that matches the financial choice you're weighing — from rent vs. buy to early retirement to a career break.
Adjust your assumptions
Every input is visible and editable. Change your income, timeline, or rate of return and watch how the outcomes shift.
Compare paths over time
See how different choices compound across years — not just today's snapshot. Understand the trade-offs before you commit.
Understand the math behind the decision.
In-depth articles that explain the concepts, formulas, and trade-offs behind each scenario — so you can engage with the numbers, not just read them.
Your next decision is worth modeling.
Over time, financial outcomes are shaped less by single events — and more by the sequence of decisions you make. The earlier you understand the trade-offs, the more options you have.
No sign-up required. Start with any scenario and save your work when you're ready.