whatifi

Free plan Web

What whatifi is

whatifi is a visual modeling tool for decision-makers forecasting business scenarios involving runway, staffing, capacity, and profit. It is aimed at small and midsize businesses and in-house finance teams, with a spreadsheet-free workflow for building and comparing scenarios. Its visual builder connects pre-built business events; users can also create custom events and work from templates. A decision-tree-style view traces calculations step by step, while goals and KPI events can filter outcomes and flag cash-flow risk. Teams can compare forecasts in real time and share models with colleagues, clients, or investors. Reporting options include alerts, dynamic reports, Excel export, and scenario following. The free Preview plan allows three scenarios, up to 25 events per scenario, and a one-year scenario limit; PRO events and modules are excluded. Solo Business costs $125 per user per month, with PRO events and modules extra. The software is desktop-only and is described as early access. whatifi says it does not yet handle currency conversions and recommends using one currency.

Who it suits

whatifi is suited to SMBs and in-house finance teams that need to model, compare, and share business forecasts. Its desktop-only access and current single-currency limitation matter for teams evaluating fit.

What it does well

Models runway, staffing, capacity, and profit scenarios
Calculation flows can be traced step by step
Teams can compare forecasts in real time
Custom events and templates support tailored scenarios
CSV imports and live spreadsheet connections are available

What to know first

Desktop-only; mobile users are directed to switch devices
Preview is limited to three scenarios and 25 events each
Currency conversions are not yet supported
Product is in early access

Limits

The free Preview plan allows up to three scenarios, limits each scenario to one year and 25 events, and excludes PRO events and modules. Solo Business is $125 per user per month, with PRO events and modules extra.

Plans

Plan	Billed and limits	Price
Preview Plan	/ Month · Up to three Scenarios · 1-yr Scenario Limit · 25 Events per Scenario Limit · No PRO Events or Modules	Free
Solo Business	/ Month · Priced per User · Unlimited Scenarios & Sharing · PRO Events and Modules extra	$125 a month
Agency	/ Month · 5 client accounts · $150 per additional client account · Add-on Modules available	$1,000 a month
Enterprise	starting at $5,000 per month · 20+ Team Members · Unlimited Clients and Team Members · Unlimited Scenarios and Complexity · Custom Builds and Integrations	$5,000 a month
Modules	Contact Us / Month · advanced scenarios · paid accounts only · API integrations · advanced sharing and reporting · multiple logins and permissions	On request
Early-Stage Startup Starter Plan	$20/month · All the features of our Solo Business Plan for one year · Limited-time offer · Email for details and qualifications	$20 a month
Preview	—	Free
Early-Stage Startup Starter	—	$20 a month

The first 8 of 9 plans, as whatifi.io lists them, read 29 Sept 2026. The maker's own page has the final word. Every plan

Getting started

Open the whatifi website on a desktop computer
Sign up for early access if using the free desktop route
Choose the Preview, Solo Business, Agency, Enterprise, or other listed plan
Import CSV data or connect a live spreadsheet or listed integration
Build a scenario with business events
Share or compare the resulting scenarios

Verdict

whatifi offers a visual alternative to spreadsheet-based scenario planning, with sharing, reporting, and detailed calculation tracing. Its early-access status, desktop requirement, and lack of currency conversion are important constraints to weigh.

Questions

Is whatifi free?

A free Preview plan is available, and desktop users can access whatifi free after signing up for early access. The Preview plan allows three scenarios, a one-year limit, and 25 events per scenario.

How much do paid plans cost?

Solo Business costs $125 per user per month. Agency costs $1,000 a month, and Enterprise starts at $5,000 a month.

Which platforms does whatifi support?

whatifi is desktop-only software. The Early Access page advises mobile users to switch to a desktop computer.

What integrations or data connections are available?

Listed connections include QuickBooks Online, Xero, FreshBooks, NetSuite, Excel, Google Sheets, Plaid, Google Maps, Yahoo Finance, and API data feeds. CSV import and live spreadsheet connections are also available.

Does whatifi handle currency conversion?

No. It does not handle currency conversions yet and recommends sticking to a single currency.

Is whatifi GDPR-compliant?

The contact information says whatifi is not yet GDPR-compliant, with compliance on its roadmap.

Facts from whatifi's own pages

Accounting Integrations: Supports full QuickBooks Online and Xero integration on the Solo Business plan. · whatifi.io, 28 Sept 2026
Unified Agency Dashboard: Agency plan includes one unified dashboard and five client accounts. · whatifi.io, 28 Sept 2026
Business Logic Events: Provides more than 30 pre-built business logic events for modeling scenarios. · whatifi.io, 28 Sept 2026
Calculation flow: Click-through scenarios graph each calculation one step at a time for error checking. · whatifi.io, 28 Sept 2026
Calculation transparency: The product graphs calculations step by step so users can inspect how a scenario's numbers are produced. · whatifi.io, 29 Sept 2026
Company Focus: Positions itself as software built for finance and strategy, including SMB strategic planning. · whatifi.io, 28 Sept 2026
Compliance: The contact page says whatifi is not yet GDPR-compliant and that compliance is on its roadmap. · whatifi.io, 28 Sept 2026
Currency limitation: The contact page says whatifi does not handle currency conversions yet and recommends sticking to a single currency. · whatifi.io, 28 Sept 2026
Custom modeling: Users can create custom Events for their niche and use or create templates to model client questions quickly. · whatifi.io, 28 Sept 2026
Data connection level: api · whatifi.io, 24 Sept 2026
Data Import: Can import CSV rows and columns or connect directly to a live spreadsheet. · whatifi.io, 28 Sept 2026
Decision Tree Builder: Uses a decision-tree-like builder to trace transactions and calculations. · whatifi.io, 28 Sept 2026
Desktop access: The site describes whatifi as desktop-only software and directs mobile visitors to use a desktop computer. · whatifi.io, 29 Sept 2026
Early-access caveat: whatifi warns that it is an early-access product and advises diligence before making a life-changing business decision based on its calculations. · whatifi.io, 28 Sept 2026
Enterprise Scale: Enterprise includes unlimited clients and team members, custom builds, integrations, and top-tier support. · whatifi.io, 28 Sept 2026
Events and templates: The features page describes over 50 pre-built Events and says users can create custom Events and templates. · whatifi.io, 29 Sept 2026
Financial modeling: Yes · whatifi.io, 24 Sept 2026
Free plan: Yes · whatifi.io, 24 Sept 2026
Free Tier Limits: Preview includes basic events, up to three scenarios, a one-year scenario limit, and 25 events per scenario. · whatifi.io, 28 Sept 2026
Goals and KPIs: Goal and KPI Events can filter and compare outcomes, add KPI calculations at decision points, and show where cash flow is at risk. · whatifi.io, 28 Sept 2026
Headquarters: The company describes its team as distributed and remote, based in Vancouver, British Columbia, Canada. · whatifi.io, 29 Sept 2026
Integration availability: The integrations page marks Excel, OpenAI utilities, Railz, Plaid, Google Sheets, Xero, and QuickBooks as “Coming Soon.” · whatifi.io, 29 Sept 2026
Integration Options: Lists Excel, OpenAI, Railz, Plaid, Google Sheets, Xero, and QuickBooks integrations or planned integrations. · whatifi.io, 28 Sept 2026
Integrations: The features page lists QBO, Xero, FreshBooks, NetSuite, Excel, Google Sheets, Plaid, and Google Maps among integrations or data connections. · whatifi.io, 29 Sept 2026

Where whatifi stands on Freedom251

Scenario Planning Software#8 of 93