Financial Projection
Enter your income, expenses, savings, and cash to build a personalized projection of your financial future.
No account required
See the impact before you decide.
Create decisions, build a plan, and explore different paths until you find one that fits, so you can enjoy life while working toward your goals.
Try it nowHow it works
Take the guesswork out of major financial decisions.
01
Create your decision
Whether it's buying a home, upgrading cars, or changing jobs, SmrtSpending helps you build a personalized decision so you can see the true cost.
Buy a car
- Monthly cost
- $921/mo
- Down payment
- $6,000
- Planned
- Jul 2025
- Lifetime cost
- $64,800
Buy a house
- Monthly cost
- $3,576/mo
- Down payment
- 15%
- Planned
- Jul 2027
- Lifetime cost
- $1,368,360
02
See the cost
Instantly see how the decision affects your finances based on your income, expenses, savings, and goals. You'll know whether it fits your plan before you commit.
03
Compare your future
Add decisions to your timeline and compare them against your current path. See how each choice changes your financial future so you can make decisions with confidence.
What's Included
Built to help you make better financial decisions.
Available now
Interactive Dashboard
See your current financial picture at a glance with key metrics, long-term projections, and an interactive timeline.
Decision Planning
Model major life decisions like buying a home, purchasing a vehicle, or changing jobs to see how they affect your finances.
Alternative Recommendations
Discover additional options and compare potential outcomes based on your goals and financial situation.
Coming soon
More Decisions
Explore more decisions and life events to see how they could shape your financial future.
Opportunity Cost Analysis
See what you could gain by investing, saving, or choosing a different path before making a major purchase.
Goal Planning
Set financial goals and see how different decisions affect your progress toward achieving them.
FAQ
Everything you need to know.
SmrtSpending focuses on smarter decision making — not just budgeting or retirement. Instead of tracking your past spending, our tool helps you visualize how today's financial decisions impact both short-term spending and long-term financial goals.