Test the decision.
Keep the confidence.
Add a potential income or recurring expense and see what it does to your monthly freedom before it becomes part of your real life.
Turn “can I afford it?” into a useful answer.
A decision is not just its price. What matters is how it changes the cash you keep each month and the resilience you have left.
Start with your real baseline.
Hugo uses the recurring income and costs already recorded in your financial picture.
Add a hypothetical change.
Test a new monthly income or expense without changing your actual records.
Choose the reserves that matter.
Select the liquid holdings you would genuinely rely on if monthly cash flow turned negative.
See the result immediately.
Understand the new monthly surplus, cash runway, or how many days of current living costs your surplus buys.
Useful answers without fake precision.
The simulator focuses on the inputs you control today instead of pretending to predict markets ten years from now.
What to know before you start.
What can you test?
A new income stream, recurring cost or larger one-off investment and its effect on future cash flow.
Is the result a forecast?
No. It is a scenario based on your inputs and assumptions, not a promise of a future outcome.
What is a scenario useful for?
It reveals trade-offs, remaining headroom and long-term impact before you commit to a decision.
Know where you stand. Understand where you're going.
Build a complete picture of your wealth in one thoughtful monthly habit.
Start free