Financial Scenario Calculator

A scenario is a set of changes to your current figures — for example, lower income, higher spending, an extra monthly saving, a change in interest rates, a property purchase, a one-off amount or a change you describe yourself. What If? applies those changes to a temporary copy of your Healthcheck figures and runs the same calculation engine on both, so the results can be compared side by side. Your original figures are never overwritten.

Inputs, assumptions and outputs

• Actual/input data: the baseline figures you entered in the Healthcheck.
• Assumptions: the changes you set in the scenario, such as a 10% income drop or a mortgage rate.
• Calculated outputs: surplus, savings rate, buffer, debt service, net worth and the Financial Health Score for both versions.

Why sensitivity matters

Changing one assumption at a time shows which parts of your position are most sensitive. Some changes move the score a lot; others barely affect it. Combining changes shows how they interact.

Hypothetical example

With €3,000 monthly income, €2,200 spending and €400 debt payments, the monthly surplus is €400 — a savings rate of about 13%. A 10% fall in income leaves €2,700, cutting the surplus to €100 and the savings rate to about 4%. For a hypothetical property purchase, the monthly mortgage payment is calculated with a standard repayment formula from the price, deposit, rate and term you enter.

Important limitations

• Scenarios show consequences of assumptions; they do not predict what will happen.
• Knock-on effects you do not enter (taxes, fees, behaviour changes) are not included.
• Results are educational and are not a recommendation to make any change.