Impulse buy
Impulse buy answers one question: can I afford it? Not by gut feeling, but with your real budget, your costs and the projects you have already committed to.
A four-level verdict
You describe the purchase, enter its amount and choose the month. MoneyWr replays your forecast with that expense added and gives a verdict: comfortable, tight, risky or dangerous, depending on the lowest balance you would reach during the year.
The result shows your balance before and after at the end of the chosen month, and the month in which you would be at your lowest. Nothing is saved: it is a simulation, and you can run as many as you like.
What if you spread it out?
For a major purchase, MoneyWr suggests alternatives: the same amount spread over several months, with the matching monthly payment and the verdict obtained for each duration. You can see at a glance from how many months the purchase becomes comfortable.
If one of the alternatives suits you, it turns into a project with one gesture and goes into the forecast.
- Verdict based on the lowest balance of the year
- Balance before and after, in the chosen month
- Spreading suggested over several durations
- Project created from the alternative you pick
Impulse buy: frequently asked questions
What is the verdict based on?
On the lowest balance your account would reach during the year if the purchase were made, taking into account your fixed costs, your projects and your income adjustments.
Does the simulation change my budget?
No. Nothing is saved unless you choose to create a project from the result.