Your household’s forecast, and every decision you test against it.

Aventiel keeps a complete picture of your accounts, forecasts what happens if nothing changes, and lets you try a decision before you make it.

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How it works

What happens if nothing changes

Your forecast is built from the bills, budgets, goals and debts already in your plan.

It shows the next 90 days day by day and the longer view month by month, with your cash cushion marked, so a tight stretch is something you see coming. A number that looks wrong is fixed where it comes from, not in the chart.

What happens if you change something

A scenario is a version of your plan where you’ve changed something. Describe it in plain language or set each change by hand, and see what it does against your forecast before anything is saved.

When the decision becomes real, add it to your forecast.

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

Ask about your money

The Assistant answers questions about your household’s money, models what-ifs, and proposes changes.

Nothing changes until you confirm it, and your conversations are private to you.

Investments, alongside everything else

Track brokerage, retirement and 529 accounts in the same picture as your cash and debts.

Aventiel tracks; it doesn’t trade or prepare taxes. Investment tracking is on the Plus and Private plans.

Try it on a decision you’re actually weighing.

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See pricing

Forward-looking scenario planning for households making meaningful decisions.

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