Private life-choice simulator

ClearWorth Decision Lab

Model a move, home purchase, car, child, career break, or other life change. ClearWorth translates the choice into cash runway, stress risk, tradeoffs, and a copyable decision receipt.

Base money picture

Start with the household numbers

Monthly take-home income$ Monthly essentials$ Current cash savings$ Current debt balance$ Monthly debt payments$ Monthly savings or investing$ Retirement balance$ Monthly retirement contributions$

Life event

Add the decision you are testing

Decision type Starts inmonths One-time cost$ Monthly cost change$ Debt added$ Retirement contribution change$

Stress test and tradeoff assumptions

Job-loss monthsmo Surprise expense$ Extra monthly shock% Target savings goal$ Tradeoff monthly cost$ Opportunity return%

Decision readout 0 Your readiness score appears here.

Cash cushion00 months

Flexibility00 monthly room

Debt drag00 debt ratio

Retirement momentum00 saved

Monthly breathing room after change$0

Cash low point over 10 years$0

Stress-test runway0 mo

10-year cash path Timeline appears here.

Stress test

Shock result appears here.

Tradeoff translation

Tradeoff result appears here.

Decision receipt

Receipt appears here.