Sometimes you don't want to change the plan, you just want to know what would happen if you did. Scenarios is a sandbox for exactly that.

What a scenario is

A scenario is a named copy of your current planned amounts that you can adjust freely without affecting your real budget. Change a category's planned amount in a scenario and the projected income / expense / savings totals update — the actual budget doesn't move.

Create one

Go to Lab > Scenarios.
Tap New Scenario and give it a name (e.g., "Freelance boost", "Cut groceries 20%").
Pick a baseline month — the scenario starts as a copy of that month's plan.
Adjust planned amounts for any categories you want to change.
Save.

Read the deltas

A scenario shows two columns side by side:

Baseline — the original plan from the source month.
Scenario — your edited version.

At the top, a delta block tells you what your edits add up to: change in income, change in expenses, change in savings, change in net.

Compare scenarios

You can keep multiple scenarios at once. Open them side by side to compare two paths — for example, "max retirement contribution" vs. "pay down credit card faster." The numbers do the arguing for you.

When to use scenarios

A raise, a side income, or a freelance contract you're considering.
A rent change or a relocation.
Trying out a debt-snowball or avalanche before committing.
A season-of-life shift like a new baby, a new car, a sabbatical.

When to skip scenarios

If you're already going to do the change, just edit the real plan. Scenarios are for the should I? phase, not the I did phase.

Lab — Goals — once you've decided, set a goal (debt payoff, savings target, emergency fund, or net-worth target) and track progress against your actual numbers.
The Dashboard — where the actual plan lives.