What If? Your money, exposed
Sound Money
Free · Designed for iPad. Not verified for macOS.
What if you'd bought Bitcoin instead?
What If? is an interactive financial education app that helps you understand how money really works. Explore how inflation silently erodes your purchasing power, compare sound money alternatives, and see what your past purchases would be worth today in Bitcoin, gold, and the S&P 500.
CALCULATORS
Enter any dollar amount from any year and see what it would be worth today in Bitcoin, gold, S&P 500, and cash adjusted for real inflation. Retirement comparison showing how a traditional 401(k) stacks up against a Bitcoin savings strategy over 10, 20, or 30 years. Pizza calculator to discover what everyday purchases would be worth if you'd invested instead.
LIVE DATA
Real-time Bitcoin, gold, and S&P 500 prices powering every calculation. Live Bitcoin block height and halving countdown pulled directly from the blockchain. Curated Bitcoin news feed from Bitcoin Magazine.
LEARN
Deep dives into the Hidden Tax of inflation, the Cantillon Effect, wealth decay over time, and more. Bitcoin whitepaper included. Growing glossary of 30+ financial and Bitcoin terms. Interactive market cycle and halving history charts.
DAILY ENGAGEMENT
Daily quiz with streaks and scoring to test your financial literacy. Daily Glimpse cards showing surprising inflation facts, shareable with friends. Today in Bitcoin History showing notable events on this date.
What If? doesn't sell anything or offer financial advice. It's a free educational tool designed to help you think differently about money, savings, and the future of finance.
Built with publicly available data. No account required. No ads.
Real World Stories — Brand new section with 20 true stories showing how Bitcoin is being used around the world. From Nigerian protesters protecting their savings to a Malawi village powered by Bitcoin mining. Filter by property: censorship resistant, borderless, scarce, and more. Every story links to its original source (BBC, Reuters, CNBC, Cambridge, and others).
Redesigned Unpack Tab — Now organized into 3 clear, collapsible sections:
• How They Broke the Money — 7 interactive timeline stories from the Federal Reserve's creation in 1913 to BRICS in 2024
• How Broken Money Affects You — Hidden Tax explainer, Cantillon Effect visual, Wealth Decay calculator, and a live US Debt Clock
• Real World Stories — 20 sourced stories across 7 Bitcoin property categories
6 Calculators — Past (compare cash, gold, S&P, and BTC), DCA simulator, Future projections, Retirement planner, Goal tracker, and My CPI (track your personal inflation across 23 items over time).
Live Home Screen — Bitcoin price with 24hr change, block height and halving countdown, daily quiz, daily challenge, shareable inflation fact cards, "On This Day" historical events, personal inflation calculator, and live Bitcoin news.
Learn Tab — 8 educational topics, 10 myth busters, FAQ, and a searchable glossary with 62 terms across 6 categories.
Tier System — 4 ranks to unlock (Normie → Orange Pilled → Bitcoiner → Bitcoin Maxi) based on quizzes, timelines, and engagement. Shareable rank cards.
Under the Hood
• Offline support with graceful degradation
• Improved layout and spacing on all iPhone models
• Smoother navigation and scroll behavior
• Haptic feedback throughout
• Bug fixes and performance improvements
The developer, Lorenzo Harris, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Lorenzo Harris
- Size
- 11 MB
- Category
- Education
- Compatibility
Requires iOS 13.0 or later.
- iPhone
Requires iOS 13.0 or later. - iPad
Requires iPadOS 13.0 or later. - iPod touch
Requires iOS 13.0 or later. - Mac
Requires macOS 11.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 What If? Your money, exposed