Simulate your finances
shapes your finances with what-if scenarios.
Every financial decision
has ripple effects
What if...
These questions kept me up at night. So I built a place to finally answer them.
Cortado lets you see where your money is actually going, play out "what if" scenarios before you commit, and understand how today's choices shape tomorrow.
Less guessing. More clarity.
How it works
Five core workflows for planning, tracking, and validating your finances.
Budget Planning
Build a real scenario like Current Lifestyle with rent at $1,800 per month, groceries at $150 per week, coffee at $5 per day, and dining out at $50 per week.
Scenario Compare
Compare Current Lifestyle against Savings Goal to see how lighter daily spending and stronger side income move your projected monthly net from $1,910 to $2,680.
Track Progress
Follow March against Current Lifestyle in the dashboard: groceries are at $474.48 of $600, dining out is at $178.46 of $200, and two discretionary categories are already over plan.
Smart Categorization
Cortado learns from the categories you confirm and turns repeated choices into learned rules over time. When those rules are not enough yet, AI suggests the best fit so new transactions still get categorized quickly.
Validate Outcomes
Check whether the month is playing out as expected: actual net is $2,219.41, ahead of the $1,910 Current Lifestyle plan but still behind the $2,680 Savings Goal target.
Frequently asked questions
Got questions? We've got answers.
Yes! Cortado is currently free to use during our early access period. We're focused on building the best financial planning tool possible and will introduce pricing tiers in the future with plenty of notice.
Try it out
We're in early beta. Sign up, play around, and let us know what you think.