If we buy the car, what does August look like? If I take the new job, can we cover the gap before the first paycheck? If my hours change, are we still okay?
Otherwise just makes it easier to see.
1
Add your income and regular bills once. Otherwise turns them into a line that shows your balance across the next twelve months: the path you're on if nothing changes.
2
Buy the car, take the job, move, cut your hours. Add it as a what-if and watch how the next twelve months change before you commit to anything.
3
A big purchase, a tight month, a what-if at midnight. Come back any time and see where you stand. It's there whenever a money question comes up.
This is the whole point. Hold us to it.
Not a trial. Not "free until the useful part." Free.
No cash advances. No overdraft tricks. Nothing that profits when you're short. Otherwise is fueled by wanting to help, not by your worst month.
We don't sell it, rent it, or mine it to sell you things. It's your money; the picture of it stays yours.
We're not here to grade your spending. We're here to help you make one hard call with more light on it.
I don't think anyone should have to pay to see their own financial future. So I built Otherwise for myself in the midst of one of my family's biggest financial projects, and now I'm sharing it with you, free. It's built so you never have to pay. If you can chip in, it helps keep it that way. If you can't, just use it. That's what it's for.
The person who built Otherwise
Otherwise is for the moment you've got a real choice to make and need to know you'll be okay. It's not a budgeting system, a net-worth tracker, or a retirement calculator. There are plenty of those. It does one thing: shows you the next twelve months clearly enough to decide.
Plenty of couples split the bills: your paycheck lands in your account, theirs in theirs, and each of you covers your share. Otherwise keeps that structure and still shows one forecast. Share a workspace, mark who pays what, and see whose account runs tight before it happens, not after.
No card. No catch. No cost.