Your possible lives, in focus.
Switch careers, move cities, go back to school, buy the house — the big forks are where a life is actually decided, and we meet them with a gut feeling at 2 a.m. Mentat turns them into a decision tree, and shows each branch's net worth and wellbeing over the years — so you can see your possible lives side by side.
Map my life pathsThe richer path isn’t the happier one. You decide which trade you want — Mentat just does the math, on both axes.
Mentat is a financial planning app that turns the big forks in your life — switching careers, moving cities, going back to school, buying a house — into an interactive decision tree, and shows each branch’s net worth and wellbeing over the years. Compare your possible lives and decide with your eyes open.
See your possible lives — net worth and wellbeing.
Branch your futures into a decision tree: each fork a choice or a chance, each stretch carrying its own income, costs, growth, and the wellbeing you'd actually feel living it. Net worth propagates forward on the real projection engine; wellbeing integrates into wellbeing-years. Flip the three views, then set your own wealth-versus-wellbeing weighting and watch the highest-utility path light up.
The consultant Stay / NYC / Retrain example, computed live by the same life-paths core the app runs. Figures are illustrative — your real tree uses your own branches, odds, and scores.
We never tell you a path will make you happy.
Money is the easy axis to project. How the years actually feel is the hard one — so we don’t assert it, and we don’t hide it behind a single slider. You choose the metrics that matter to you — add, remove, and weight them — then score each stretch yourself against that same set, so your possible lives stay honestly comparable. The score becomes math: a flow, integrated over the years, into wellbeing-years.
Each metric 0–10, where 10 is best (Stress = freedom from it). These six are the starting set — in the app you add, remove, rename, and weight your own (3–15 of them). Whatever you choose runs on every branch, so a “good” stretch on one path means the same as on another.
Your metrics — the same set, every stretch.
You choose the metrics; consistency is what makes the comparison fair. A 7 on one branch and a 7 on another were scored the same way — so the tree isn’t vibes, it’s like-for-like.
Illustrative — your real tree uses your own stretches, lenses, and scores, on the same rubric the app runs. The wellbeing math runs entirely on numbers you author; Mentat never assigns them for you.
Guided, not configured.
Start from today
Your life today is the root of the tree — your accounts, your income, and the wellbeing you feel now. Smart defaults from statutory rates and IRS limits fill the financial blanks, so you start from a real baseline, never a blank page.
Branch your decisions
Add the forks you're weighing as branches — and the chance outcomes that follow each. Every stretch carries its own income, costs, growth, and a wellbeing score you author yourself against a consistent rubric.
Compare your possible lives
Net worth propagates forward; wellbeing adds up over the years. Flip between wealth, wellbeing, and a utility view weighted your way — and watch the path that fits you light up.
We don't track your coffee.
Most money apps obsess over last month's spending. Mentat looks the other way — forward, at the few big decisions that set the shape of an entire life, measured in both dollars and how the years actually feel.
Author your own wellbeing
We never assert that a path will make you happy. A consistent rubric — time, stress, autonomy, meaning, relationships, security — lets you score each stretch yourself. The math runs on your numbers.
Price the branches you'd rather not see
Layoffs, burnout, a move that doesn't pan out. Give each fork an honest likelihood and Mentat weighs the whole tree — so 'safe' has to earn the label.
Quiet between the big calls
No bank connections, no transaction feeds, no nudges to cancel a subscription. Mentat is for the handful of forks that actually move your life — and stays out of the way otherwise.
The financial model holds up to scrutiny.
The wellbeing axis is what’s new — but it’s only worth anything if the dollars underneath are sound. They are. Every branch is a real, projectable financial model: accounts, growth, contributions, taxes, and the capital you deploy each month. Tweak an assumption and the branch re-projects instantly. This is the proof, not the pitch — poke at it.
Accounts · tap to edit
Edit a balance, change a growth rate, drag a lever — this curve is computed by the very same projection core the dashboard runs, and the whole horizon shifts as you go.
- Investments$2.08M
- Retirement$495k
- Real estate$1.02M
- Mortgage$0
Drag to reallocate. Nothing here is budgeting — it's deciding where each dollar of surplus goes to work.
Both computed live by the same projection core the app runs. Figures are illustrative — your real tree uses your own income, accounts, and rates.
Built for deciding. Not tracking.
Common questions
What does Mentat do?+−
Mentat turns the big forks in your life — switching careers, moving cities, going back to school, buying a house — into an interactive decision tree. For each branch it projects your net worth forward and integrates a wellbeing score you author yourself, then ranks your possible lives by your own wealth-versus-wellbeing priorities so you can decide with your eyes open.
How is Mentat different from budgeting apps?+−
Budgeting apps look backward at last month's spending and connect to your bank. Mentat looks forward at the handful of decisions that actually shape a life. It never connects to your bank, never tracks transactions, and never nudges you. It models possible futures — on two axes, money and wellbeing — rather than auditing your past.
What is a life decision tree?+−
It's a branching map of your possible futures. The root is you today. Each branch is a decision you're weighing (or a chance outcome that could follow), and each stretch carries its own income, costs, growth, and a wellbeing score. The tree lets you compare whole paths — not just single outcomes — with a probability on every fork.
How can you put a number on wellbeing?+−
We don't — you do. Mentat never asserts that a path will make you happy. It walks you through a consistent rubric — time, stress, autonomy, meaning, relationships, security — so you score each stretch yourself, then it does the arithmetic on your own numbers. The wellbeing is always yours; we just integrate it over time into wellbeing-years.
Can Mentat update assumptions as life changes?+−
Yes. When reality diverges from your plan — a windfall, a market drop, a job change — you re-point the tree from where you actually are, and the branches re-project forward from that point. The rest of the time, your assumptions ride.
How is this different from ProjectionLab, Empower, or a financial advisor?+−
Those model your money — sometimes brilliantly. None of them put wellbeing on equal footing, branch your decisions into a probability-weighted tree, or rank your possible lives by your own wealth-versus-wellbeing weighting. ProjectionLab is a powerful DIY money modeler; Empower tracks net worth and sells advice; an advisor costs a percentage of your assets. Mentat is for the decision itself — both axes, every fork — and it's free.
Does Mentat connect to my bank?+−
No, and it never will. You add accounts and update balances manually. That's a feature: it forces intention, and your credentials never live in our database.
Who is Mentat for?+−
Anyone standing at a life-and-money crossroads — a career switch, a relocation, a retrain, buy-versus-rent, starting a family. University and early-career is an entry wedge, but the tool is for any fork where the financially obvious choice and the one you'd actually want to live might not be the same.
How accurate are long-horizon projections?+−
Broad strokes, not precision — on purpose. You're modeling the shape of your possible lives, not predicting exact dollars decades out. The value is seeing how assumptions cascade, which forks matter, and where a branch quietly beats the safe default.
Is my data private?+−
Yes. No bank syncing, no third-party data brokers, no ads. You own your tree.