Stop staring at numbers. Get a verdict.
Every money question ends the same way: what should I actually do? Pick a decision, plug two or three numbers, and Vybe Money tells you Go, Wait or Don't — with the math right beside the call. Rule-based, transparent, and you can always ask the coach to explain.
Hold. Compounding is your edge.
Thesis intact, in profit — selling triggers tax and forces a re-entry decision. Do nothing.
Why a decision engine, not another calculator
Calculators give you numbers. Numbers are neutral — they don't tell you what to do. The Vybe Money decision engine takes the same math and adds a rule set: an explicit heuristic for each question that translates the numbers into Go, Wait, or Don't. The heuristics aren't magic; they're the kind of frame a good advisor uses. We show the rule right next to the verdict so you can argue with it.
Transparent, not black-box
Every verdict shows the underlying numbers — CAGR, post-tax net, edge, EMI, TCO — so you can trace the logic. The optional "Ask the coach" button routes the exact question, with your inputs, into the Vybe Coach chat so you can dig deeper without retyping. Your numbers never leave the browser unless you ask the coach.