Buy a home or make a major purchase

Find out whether the purchase works, before you commit.

Put the down payment, the new monthly cost and the cushion you want to keep into your real cash flow. Aventiel shows exactly when your balance dips and the conditions that keep it above your cushion.

Join the waitlist

How it works

Example household. Cash in checking and savings, month by month.

You can buy in March, but it’s tight. Cash stays under your $15,000 cushion from March to September 2027 and bottoms out at $10,600 in May.

Example household. Buying in March 2027, compared with not buying.

If nothing changes

With this decision

Difference

Lowest cash

$51,550

Oct 2026

$10,600

May 2027

−$40,950

Months under the $15,000 cushion

None

7 months

Mar–Sep 2027

+7 months

Debt-free date

Not counting the mortgage

Mar 2029

Nov 2030

20 months later

Savings and investments

November 2030

$170,200

$111,400

−$58,800

Home equity

November 2030, before any change in price

$47,900

+$47,900

If nothing changes

With this decision

Difference

Lowest cash

$51,550

Oct 2026

$10,600

May 2027

−$40,950

Months under the $15,000 cushion

None

7 months

Mar–Sep 2027

+7 months

Debt-free date

Not counting the mortgage

Mar 2029

Nov 2030

20 months later

Savings and investments

November 2030

$170,200

$111,400

−$58,800

Home equity

November 2030, before any change in price

$47,900

+$47,900

From your bank to your answer

Connect your accounts

Read-only, through Plaid. You can start with one bank and add the rest later.

Get your first look

Right after you connect, a first look at what already happened: what came in, what went out and what repeats.

Get your answer

A few minutes of questions about what the bank data can’t tell us, like your pay and your bills.

You'll see exactly when your balance dips.

Then save the conditions that make it work, like the price, the down payment and the timing, as a scenario.

If you don't know the mortgage rate or closing costs yet, we name them as open rather than assume them.

What connecting your bank means

Before you connect anything, here is exactly what Aventiel can see, what it cannot do, and how to stay in control.

Read-only access

Aventiel can see your accounts. It cannot move money.

Your bank password stays with Plaid

You sign in to your bank through Plaid. We never see or store your credentials.

What we bring in

Balances, transactions, account names and types, and loan terms where your bank shares them.

More history, fewer questions

We ask your bank for up to two years. The more we can see, the less we need to ask you.

You stay in control

Disconnect any bank whenever you like, from Settings.

Read-only access

Aventiel can see your accounts. It cannot move money.

Your bank password stays with Plaid

You sign in to your bank through Plaid. We never see or store your credentials.

What we bring in

Balances, transactions, account names and types, and loan terms where your bank shares them.

More history, fewer questions

We ask your bank for up to two years. The more we can see, the less we need to ask you.

You stay in control

Disconnect any bank whenever you like, from Settings.

Already tracking this in a spreadsheet or another app? You’re not starting over: Aventiel starts from up to two years of your bank history.

Join the waitlist

Forward-looking scenario planning for households making meaningful decisions.

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