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Answers

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01

Is this just a spreadsheet?

It started as one. The app is a port of that model, and 24 parity tests pin it to the workbook's cached values, within $1 on money.

The app then does what the workbook couldn't: recompute every screen on any edit, walk a 48-month cash path to the first month you can close, sequence the ring, the wedding, the baby and the close on one Life Calendar, put the months to close in a home-screen widget, export PDF and JSON, and do all of it offline.

02

Why should I trust the numbers?

Trust them as far as you'd trust a careful spreadsheet with tests. The mortgage math (PMT, FV, NPER and their relatives) is checked against Excel-verified values in 10 finance tests.

The full model is checked against the workbook in 24 parity tests, rent versus buy across 5 horizons in 11 tests, and the children model in 10 tests. 2 fuzz tests push 10,000 random scenarios each through the engine, and 3 more pin the division-by-zero cases, to prove nothing produces a NaN or a crash.

Every assumption is editable. The tax model is an approximation built on 2026 federal brackets and effective state rates, and it'll be wrong in ways that matter for your specific return.

03

What if my metro's data is wrong?

Then it's your number, and you can change it. Every catalogue value on a place shows its source and date, and a number you disagree with is a field you overwrite.

What you type is marked as yours and kept when a newer catalogue arrives; the values you didn't touch update. One tap resets a place back to the published figures if you change your mind.

04

What happens when the data goes stale?

Only until the next check. The app checks for a newer catalogue at most once a day when you open it, and in the background when iOS allows, and every linked place updates the moment one lands. Settings shows the catalogue's date, the last check and the last update.

Once the first catalogue is published, it's rebuilt weekly from Zillow, Census, Freddie Mac and 2 curated state tables. The tax tables are the 2026 federal brackets and change with a release. Your own edits are never replaced by a refresh.

05

Can I get a refund?

Yes, from Apple. The purchase runs through the App Store, so the refund does too: reportaproblem.apple.com, signed in with the Apple ID that bought it.

We never see your payment details and can't issue a refund ourselves. If the app did something wrong, email support anyway, because we'd rather fix it.

06

Does my data leave the phone?

No. The app makes one kind of request: a download of the published catalogue file, with no account, no identifier and none of your numbers attached, because it has none to send. Settings turns the automatic checks off. There's no analytics and no third-party SDK.

Your scenarios live in the app's own storage and ride along in your normal iCloud or local device backup, which is Apple's backup and under your control. The only way anything leaves is an export you choose to share: a PDF of the Dashboard and Life Calendar, or a JSON file with every input, which re-imports from Settings.

07

Does it work if we'd rent in the new city?

Yes, and it may tell you to. The rent-vs-buy model runs both tracks for 10 years in every metro, against a renter who invests the down payment.

The analysis horizon goes up to 30 years if you want to see whether buying catches up inside the term.

08

What about the equity in our current home?

Enter it as part of your liquid assets and set your current metro as the baseline, which is always the first of the 5. The cash waterfall then treats sale proceeds like any other source of down payment, minus what you earmark.

Who runs it

Wen is a trade name of 0xDevelopment LLC.

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