Stress-test your plan against life events. Tap any scenario for the full impact and recommendations.
Lab summary
6 scenarios modelled
Upside
2
Downside
3
Horizon
5 yrs
All scenarios
I lose my job for 6 months
DownsideYou'd run down your Emergency Fund by month 4. Pause Side Hustle contributions to extend runway to 7 months. Home goal slips 4 months but stays alive.
Income increases 30%
UpsideNet worth target lifts to KES 6.2M by year 5. Home goal pulls forward 18 months.
Markets drop 25%
DownsideYear 1 net worth dips KES 200k but recovers by year 3. Your MMF-heavy mix limits the damage.
USD strengthens 10%
NeutralLimited impact — your USD exposure is minimal.
I have another child
DownsideAdd KES 12k/mo to expenses. Lift emergency target to 7 months. Home goal slips 9 months.
I get a KES 2M windfall
UpsideSplits well: KES 800k home, KES 600k future, KES 300k USD MMF, KES 300k emergency top-up.