What-if simulations
Counterfactual and forward-looking scenarios with probability-weighted outcomes — what would have happened, what could happen, and what to do next.
Featured reports
- What If Mortgage Rates Rise by 1% Over the Next Year: Financial Impact AnalysisIf your mortgage interest rate increases by 1% (e.g., from 6.5% to 7.5% on a $300,000, 30-year fixed loan), your monthly principal and interest payment will risChoice Score: 95/100
- What if I had learned a skilled trade instead of going to university?For many people, training in a skilled trade — electrician, plumber, welder, HVAC — instead of a four-year degree would have meant earning years earlier, avoidiChoice Score: 79/100
- What if I had bought a house in 2015 instead of renting?In most major Western cities, a buyer who put down a deposit in 2015 and held through 2025 would likely be meaningfully better off than a renter — house prices Choice Score: 92/100
- What if I had invested $100 a month in Bitcoin for the last 10 years?Dollar-cost-averaging $100 a month into Bitcoin since 2016 — about $12,000 of total contributions — would, on widely-cited historical price paths, be worth a hiChoice Score: 79/100
- What if I invested $500 a month starting at age 25?Investing $500 a month from age 25 to 65 — $240,000 of contributions — could grow to roughly $1.2–1.3 million by retirement at a ~7% average annual return, becaChoice Score: 79/100
- What if I paid an extra $200 a month on my mortgage?On a typical 30-year mortgage, an extra $200 a month can shave roughly 5–7 years off the loan and save tens of thousands in interest, because every extra dollarChoice Score: 90/100
- What if I had invested $1,000 in an S&P 500 index fund 10 years ago?A one-time $1,000 investment in a broad S&P 500 index fund a decade ago would, at a typical ~10% average annual total return (with dividends reinvested), be worChoice Score: 88/100