Most money tools answer the question "where did my money go last month?" Mentat answers a bigger, rarer one: "which version of my life should I actually live?" Switching careers, moving cities, going back to school, buying a house, starting a family — these are the decisions that set the shape of an entire life, and most of us meet them with a gut feeling at 2 a.m. Mentat gives them a model.
How it works, in one breath
The root of the tree is you, today — your accounts, your income, and the wellbeing you feel now. Each branch is a decision you're weighing, or a chance outcome that might follow it. Each stretch of a branch carries its own income, costs, growth, and a wellbeing score you author yourself. Mentat projects your net worth forward along every branch on a real financial engine, integrates your wellbeing over time, and ranks the resulting paths by a single wealth-versus-wellbeing weighting that you control.
Two axes, not one
The richer path isn't always the happier one. Mentat is built around that tension. Net worth is the easy axis to project; how the years actually feel is the hard one — so we don't assert it. You choose the metrics that matter to you (time, stress, autonomy, meaning, relationships, security — add and weight your own), score each stretch against them, and Mentat does the arithmetic on your own numbers. It never tells you a path will make you happy. It only shows you the trade you'd be making.
What Mentat is not
Mentat is an anti-dashboard. It doesn't connect to your bank, track your transactions, or nudge you to cancel a subscription. There are no streaks and no notifications. You enter your accounts manually — on purpose — and the app stays out of the way between the few decisions that actually move your life. It reports facts that follow from your inputs; it never hands you comparative advice.
Who it's for
Anyone standing at a life-and-money crossroads. University and early-career is a natural entry point, but Mentat is for any fork where the financially obvious choice and the one you'd actually want to live might not be the same one — and you'd like to see both, clearly, before you choose.