Simura is built around seven scenarios, each a question you'd ask before moving money. The accounts, budget and transactions in the app are there to feed them real numbers. Here's what each one models, where the numbers come from and what it leaves out.
Point a scenario at one decision, like adding $300 a month to a car loan. It charts your balance under that plan next to the same balance if nothing changes. The payoff date, the interest saved or the age you reach a target sit in cards you can edit, and each one has a "why this number" note showing how it was worked out.
The inputs are yours. Balances, rates and expenses come from the app, and you set the assumptions, like expected return and inflation. Every result says it's an estimate for planning, not financial advice.
What if I bought a home?
Set a price, a down payment percent, what you save each month and your savings APY. You'll see how long until the down payment is there, or how much a month gets you there within a number of years you choose.
Leaves out The mortgage itself, property tax and how your budget changes after you buy. It's a savings plan for the down payment.
When can I retire?
It grows your savings toward 25 times your yearly expenses (the 4% rule) and shows the age you'd get there. It also finds your Coast FIRE age, the point where growth alone carries you with no more contributions. The expected return is after inflation, which is what 7% usually means, and it defaults to 7%.
Leaves out Real tax brackets. Savings in a Traditional account get the target grossed up for a flat tax on withdrawals.
What if I went debt-free?
Add an extra monthly payment and see the new payoff date and the interest you'd save. It handles credit cards, car loans, student loans, personal loans and mortgages. With several debts, pick avalanche or snowball, and each minimum you free up rolls into the next one. A single mortgage can include PMI and escrow.
Leaves out Whether investing the money would do better. It shows what paying faster saves. For a mortgage, that question gets its own guide: paying off a 6 to 7% mortgage versus investing.
What if I maxed my 401k?
It projects tax-advantaged contributions forward, Traditional or Roth, with your employer's match worked out from the match rate and the match limit as a percent of salary.
Leaves out Vesting and true-ups, which matter most when you're comparing job offers on salary plus match.
Am I covered for emergencies?
Your checking and savings, divided by the monthly expenses you pull from your budget, gives the number of months you'd last. Pick a 3 or 6 month target, a monthly contribution and an APY, and it shows how long closing the gap takes. Not sure which target fits? Here's how many months an emergency fund should cover.
Will my savings last?
Spending rises with inflation each year, and it shows the age your savings run out, or that they last 50 years or more. Your first-year withdrawal rate sits next to the 4% rule. The math behind it is in how long a portfolio lasts at each withdrawal rate.
Leaves out Social Security and pensions, and it says so on screen.
What should I do with a windfall?
Split a lump sum, like a bonus or an inheritance, across your emergency fund, your debts and investing, and get the options ranked. Before it compares investing with a debt's APR, it takes 2 points off the expected return to allow for risk.
Checking, savings, investments, debts and property, with APYs, APRs and minimum payments. On the free plan you enter them yourself. With Simura Plus you link your bank through Plaid, and balances, transactions, loan terms and investment holdings come in on their own. Linking is read-only; here's how bank connections are secured.
A balance you typed in that hasn't been updated or confirmed in 35 days gets flagged before a plan runs on it.
Monthly income, recurring expenses by category and how often each one hits, and the transactions behind them. Rules sort new transactions into categories, and you can split one transaction across several. The Emergency fund scenario reads your monthly expenses from here.
Save a debt, house, emergency fund or retirement plan and Simura compares your real balances against it, then tells you how many months ahead or behind you are, like "Goal 2 months sooner". A saved windfall plan checks off each piece as you do it. Pin any saved plan to Home to watch its progress.
Each projection uses one fixed return you choose, not a range of outcomes. There's no Monte Carlo, so it can't show what a bad first few years of returns would do.
Retirement drawdown leaves out Social Security and pensions. Taxes are a flat rate, with no brackets or Roth conversions, and the retirement planner's withdrawal rate is fixed at 4%. It's built around US accounts like 401(k)s and Roth IRAs, and bank linking is US banks only.
If your plan leans on any of that, treat the result as a first sketch.
It isn't in the App Store or Google Play yet. Join the waitlist and we'll email you when it launches. Questions before then? Email us.