Every simulation uses your real monthly income, your budgets and your average spending over the past three months. No generic figures — your own financial picture.
Adjust the scenario with a slider: how far does income fall? How much does the rent rise? Kwenta recalculates the effect on your monthly buffer, savings rate and goals in real time.
Kwenta rates each scenario as low, moderate, high or critical risk. For a critical one — a shortfall — you see how many months your emergency fund would cover.
From your over-budget categories and spending pattern, Kwenta suggests concrete steps: which category to cut first, and what that is worth.