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Rent Wise
Financial & Life Stress Simulator
by Lumnetic
Free · In-app purchases

Your finances,
simulated.

Rent Wise runs thousands of Monte Carlo scenarios on your real numbers. Not generic advice — your actual situation, modelled with precision.

Google PlayGet it onGoogle PlayComing soonApp Store
10k+
Simulations run
Android
Android · iOS soon
0
Ads. Ever.
Rent Wise app screen
What it does

Not a budgeting app.
A financial engine.

Rent Wise doesn't tell you to spend less on coffee. It models your financial future across thousands of possible realities.

Monte Carlo Engine

Runs 1,000+ simulations using your income, expenses, monthly rent, inflation assumptions, and savings rate. Each run models a different possible future.

Stress Index™

Proprietary

A composite score from 0 to 100 that reflects the financial pressure of your current housing costs relative to your income stability and shock resilience. Lower is better.

Freedom Index™

Proprietary

Measures how much financial optionality you retain after housing costs. Higher means more room to make choices — career changes, savings, life decisions.

Predictive Insights

Probability-based projections: how likely are you to maintain stability over 6, 12, 24 months? What happens if your rent increases 10%? Or you lose 20% of income?

Scenario Builder

Model different housing costs, switching cities, changing jobs, or adjusting savings rate. Compare scenarios side by side and see how each shifts your indices.

100% On-Device

Your financial data never leaves your phone. No account required, no cloud sync, no server storage. Your numbers are yours alone.

Monte Carlo · Financial trajectory
Running 1,000 simulations...
Stable
At risk
Critical
Month 0Month 24
How it works

Probability, not prediction.

Unlike simple calculators that give you a single answer, Rent Wise models the full range of possible futures. Each line in the chart is one simulation — one version of what could happen based on your inputs and realistic variance.

The result isn't "you'll have €X in 12 months." It's "in 78% of scenarios, you remain financially stable — and here's what separates the 22% that don't."

78%of scenarios show stability over 24 months
16%enter a risk zone if rent increases ≥8%
6%reach a critical threshold — actionable signal
Proprietary Indices

Two numbers that matter.

Stress Index™

Measures the financial pressure your housing costs put on your life. Accounts for income-to-expense ratio, emergency fund depth, debt obligations, and income volatility. Score from 0 (no stress) to 100 (critical).

0–30 — Healthy. Strong buffer against shocks.
31–60 — Moderate. Vulnerable to income drops.
61–100 — High. Structural imbalance detected.

Freedom Index™

Measures financial optionality — how much room you have to make life choices without being constrained by housing costs. Factors in discretionary income, savings trajectory, and scenario resilience. Score from 0 to 100.

0–30 — Constrained. Few options available.
31–65 — Moderate freedom. Some flexibility.
66–100 — High optionality. Strong financial position.
FAQ

Common questions.

The core features — including basic simulation, Stress Index, and Freedom Index — are free. Advanced features like unlimited scenarios, extended projections, and detailed reports are available via an in-app purchase or subscription. No ads in either tier.
No. All calculations happen on-device. Your income, rent, and expense data never leaves your phone. There is no account, no sync, and no server-side storage. You can verify this in our Privacy Policy.
The simulations are as accurate as the inputs you provide. The model uses established statistical distributions for income volatility, expense variance, and interest rate movements. The results are probabilistic — they tell you the distribution of possible outcomes, not a single guaranteed answer. This is by design: real life is probabilistic.
No. Rent Wise is a simulation and educational tool. It shows you what your numbers imply — it does not recommend actions. For decisions involving significant financial commitments, always consult a qualified financial professional.
Rent Wise is currently available on Android via Google Play. The iOS version is in development and will be available on the Apple App Store soon.
Yes, indirectly. Rent Wise is built around rent, but if you know your average monthly mortgage payment, you can enter it as your housing cost and run the same simulations. What the app does not do is calculate or simulate mortgage terms, interest rates, or amortisation — that is outside its scope.

See what your numbers
are actually telling you.

Download Rent Wise. Enter your numbers. Get your indices in under 2 minutes.

Google PlayGet it onGoogle PlayComing soonApp Store