Tools
Six calculators, arranged the way your money actually works: what grows it, what quietly drains it, how well you know yourself, and the biggest calls you'll ever make. Find the question on your mind and start there. No sign-up, no email, nothing leaves your browser.
Grow it
The upside: what a steady habit becomes when you leave it alone.
Compound Interest Calculator
See the exact year growth on your money overtakes everything you have paid in. That crossover is why starting early beats starting big.
Use this if you want to see how big a small monthly habit becomes.
The three thieves
Inflation, fees and your own behaviour each skim a little every year. Two are unavoidable. One isn't.
Inflation Calculator
Your balance goes up. What it buys goes down. Work out the real rate on your savings, the number your bank never puts on the statement.
Use this if you suspect your savings are quietly losing value.
Fee Drag Calculator
A 1.8% fee does not cost you 1.8%. Against a 0.2% index fund it removes about 31% of the portfolio you would otherwise have had, and it is the one cost that is certain in advance.
Use this if you think fund costs might be eating your returns.
Behaviour Gap Simulator
Inflation and fees cost you 1-2% a year. Emotional timing costs far more, and unlike the other two, you are not obliged to pay it. Race your disciplined self against your panic.
Use this if you underperform the market and don't know why.
Know yourself
Before any of it, the honest question: how much risk can you actually live with?
Risk Tolerance Assessment
Seven questions, grounded in Grable & Lytton and prospect theory. Find out whether you think like a pension fund or a hedge fund, and where appetite and capacity diverge.
Use this if you're not sure how much risk you can actually stomach.
The big decisions
The forks that actually move the needle, starting with the biggest purchase most people ever make.
Rent or Buy?
Not just which is cheaper, but whether buying is a safe position for you to hold. Leverage, liquidity, concentration and time, with sourced, regional numbers.
Use this if you're weighing the biggest purchase of your life.