From your accounts to a decision you can actually see.

Aventiel builds a picture of where your money is today, lets you lay a possible future on top of it, and shows you what that future does to everything else. Here’s the whole loop, start to finish.

Start from what’s actually true today

Connect a bank, import a CSV, or enter your accounts by hand — whichever suits you. Connected accounts keep themselves up to date, and your categorization rules sort new transactions as they arrive. When a statement lands, you can reconcile down to the cent.

Then Aventiel reads your own history — your recurring transactions, subscriptions and budgets — and suggests the income and spending that repeat, with a confidence level and duplicates flagged. Nothing becomes part of your plan until you’ve looked at the list and accepted it.

Build a scenario three ways

A scenario is a version of your plan where you’ve changed something. Build it by hand, start from one of the life-event templates below, or just describe what you’re considering in plain language.

If you describe it, Aventiel turns your description into a specific list of changes and shows you every one of them before anything is saved — and it may ask a question first if what you wrote could mean two things. It drafts; you decide. Your current plan is never edited this way.

Buy a house

Purchase price, down payment, rate and term, monthly tax and insurance, closing date.

New baby

Due date, medical costs, months of leave, and childcare for as long as it runs.

Job change or loss

The old paycheck ending, the new one starting, severance and health premiums.

New car

Down payment, the loan at its real rate and term, and the insurance change.

Compare the outcomes, and the tradeoffs

Put your scenarios next to your current plan — up to twelve at once — and read the differences across projected net worth, cash, debt remaining, the month you’d be debt-free, the months where cash dips below your buffer, and the month each path first parts company with the others.

You can also ask which assumptions actually matter, by nudging each one up and down to rank its effect, or work backwards from a target to the number that would reach it.

These are projections, not predictions: they’re arithmetic on the assumptions you entered, and they move when those assumptions do. The highest projected net worth isn’t automatically the right answer either — it can’t price in the house you wanted to live in.

What the projection covers

Up to five years ahead, month by month, plus a day-by-day view of your cash and what’s safe to spend over the months just in front of you.

Keep it current as life changes

Scenarios only store what you changed. Everything else keeps pointing at your real plan, so when your plan moves, your scenarios move with it — no rebuilding, no going stale.

When a change to your plan collides with an assumption you set deliberately inside a scenario, Aventiel tells you and asks which one you meant. It won’t quietly replace a number you chose.

Make it your plan when it becomes real

The offer got accepted. You took the job. Before anything changes, Aventiel shows you the full list of what adopting the scenario would do to your plan — and once you confirm, that scenario becomes your current plan and the comparison starts again from there.