The Financial Scenario Studio
Worthune exists because the most important financial decisions in your life deserve more than a spreadsheet and a guess.
We built Worthune for people who are serious about understanding their finances — not just tracking them. Every calculator on this site is grounded in real math: the same formulas used by financial planners, with every assumption made visible.
Who Builds Worthune
Worthune is built by founders who have spent their careers at the intersection of finance and technology — building fintech products, consulting for Fortune 100 financial services institutions, and designing AI-enabled services. That background shaped a firm conviction: financial tools earn trust through verifiable math, not through personality or promises.
Check Our Math — Literally
Every calculation model behind this site has a published specification: its inputs, units, exact formulas, assumptions, and exclusions. Before any model ships or changes, an independent second implementation — written from the specification alone — must reproduce the production engine exactly across thousands of automated test cases. Government constants like IRS limits and Social Security factors are tracked in a registry with primary sources and verification dates, and every model change is recorded in a public changelog — never silent. You can read every specification at worthune.com/models, and developers and AI assistants can call the same Concordance-tested models through our API and MCP server.
What Makes Worthune Different
Scenario-First Thinking
We don't show you your net worth. We show you what happens if you make a specific decision — buy vs. rent, retire early, take the sabbatical.
Monte Carlo Probability Bands
Every projection shows optimistic, base, and pessimistic outcomes across 1,000 simulated futures. No false precision.
Transparent Formulas
Every calculator shows the exact formula it uses. You can verify every number. No black boxes.
AI-Powered Insights
Our AI co-pilot reads your inputs and outputs and writes a plain-English interpretation — what the numbers mean for your specific situation.
Guides That Show Their Work
Our written resources hold to the same bar as our models: real sources, no invented statistics, and claims you can check.
Live Model Demos
Every calculator on the site runs on the same Concordance-tested engine our API serves — try the math before you ever write a line of code.
Our Principles
- ✦We never sell financial products. No affiliate links, no sponsored calculators.
- ✦Every formula is visible. If you can't see how a number was calculated, we haven't done our job.
- ✦We model uncertainty honestly. Life doesn't have a single outcome, and neither do our projections.
- ✦We write for adults. No oversimplification, no anxiety-inducing headlines.
Start Modeling
Pick a scenario that matches a decision you're facing right now.
Browse All Scenarios →Talk to Us
Questions about the models, the verification method, or using the engine in your product? Get in touch.