Neta credit compares scenarios side by side — a pay cut, rising rates, a perfect storm — and shows your stressed debt-to-income ratio, free cash and runway at a glance.
Clear numbers, no hidden math. Your budget, tested against real-life shocks.
Your debt-to-income ratio under pressure, shown on an easy-to-read gauge with a clear status.
Income cuts, rate hikes, new installments, lost side jobs, higher costs — mix them or use ready-made scenarios.
Put scenarios next to each other and instantly see which is best and which is worst.
See how much money stays free each month in every scenario — even when it dips below zero.
Find out how many months your savings could cover a tough stretch.
We keep data collection minimal and explain it plainly in our Privacy Policy.
Income, essential costs and monthly debt payments.
Choose a pay cut, a rate rise, a new installment or a full perfect storm.
See DTI, free cash and runway for each one, side by side.
Keep a saved result and come back to compare it with your budget today.
A simplified preview of what the app models. Your real budget lives in the app.
Illustrative estimates for informational purposes. Best = lowest stressed DTI, worst = highest. Actual results depend on your real income, costs and payments.
Get the appYour budget as it is right now, the reference point for every comparison.
Income cuts, rate rises, extra installments, lost side income and rising costs.
Gauges, status, free cash and runway for each scenario in a single screen.
Switch between Now and Saved result to see how your situation has changed.
Debt-to-income ratio: your monthly debt payments divided by your monthly income. The higher it is, the less room your budget has.
They summarize your stressed DTI, from comfortable to strained to critical, so you can read a scenario at a glance.
The number of months your cushion could cover the gap when free cash turns negative. If nothing is drawn, it reads as untouched.
Only what's needed to run and improve the service. Read the full details in our Privacy Policy.
No. Results are estimates based on the numbers you enter. Real life can differ.
Email us at niccecil87@gmail.com.