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Capital Allocation Start planning

Know exactly where
your money stands.

Real numbers in, real answers out. The retirement math, the monthly budget, the portfolio and the debts, all in the browser you already have and never leaving it.

How it works Start planning

Projected in 30 years

$0

30 years

Today Year 30
Projected If returns run 2% either way You put in $0 Toward $1M 0%
  • $0to use, with nothing behind a paywall
  • 0bank logins, now or ever
  • 100%of the math runs on this device

The plan in your head rounds up. Real numbers end the guessing.

Write them down once and everything recalculates together: net worth, cash flow, payoff dates, the retirement number. Most people are one honest evening away from knowing.

What is inside

Every tool reads the same numbers.

ForecastSet a monthly amount and see where thirty years takes it. Returns, inflation and tax are in the math. AllocationSplit every contribution across buckets, by percent or by dollar. BudgetPlan the month, log what actually happened, and see the gap by category. Debt payoffAvalanche or snowball. Pick one, see the interest it saves, and get your payoff date. PortfolioPositions, weights, drift from your targets, and the income they should throw off. Net worthEverything you own minus everything you owe, with the detail behind every line. DividendsWhat your holdings pay in a year, from the yields you enter.

How it works

From blank page to working plan.

Put the numbers in

Income, balances, debts. Rough is fine to start. You can sharpen them any time.

Watch it come together

Net worth, cash flow, payoff dates and projections appear together, and the same plan opens on your phone.

Adjust until it holds

Move one number and watch every answer update. Keep the version of the plan that survives.

The difference

Most money apps want your bank login. This one just wants a number.

What they ask for

  • Your bank credentials
  • An account and a password
  • A monthly subscription
  • Your balances on their servers
  • Permission to keep syncing

What this asks for

  • A number you type
  • Nothing. You start without one.
  • Nothing. All of it is free.
  • They stay on this device.
  • There is no connection to keep alive.

Here is how we stay free: if you open a brokerage account through one of our links, we may earn a commission at no extra cost to you. Never from your data.

Safe because there is nothing to take.

No credentials

We never ask for a bank login, so there is none to steal.

Stored on your device

Your plan lives in this browser, not on our servers.

Export any time

Download everything you have entered from Settings.

Clear any time

Wipe your data from Settings whenever you want.

No account required

There is nothing to sign up for. Open a tool and start.

Free without a catch

Brokerage referrals keep the lights on. The disclosure sits right beside them.

The budget feeds everything

Enter it once. It shows up everywhere.

Type a figure into the budget and the dashboard cash flow, savings rate and runway update as you type.

Open the budget
The budget on a laptop: planned, actual and remaining for the whole month.
The same budget on a phone.

Debt payoff

See the last payment date.

Add what you owe, choose avalanche or snowball, and move one slider to watch the payoff date and the total interest change together.

Open the debt planner
The debt tool on a laptop: months to payoff, total interest and the payoff method.
The same payoff plan on a phone.

Built for the phone

The same numbers, in your pocket.

Sticky ledgers, charts that run edge to edge, rows you can actually tap. Built for a phone, not shrunk onto one.

Portfolio on a phone: total value, range pills and holdings.
The budget on a phone: the month's balance with planned and actual by category.
The debt tool on a phone: the debt free date and what the payoff costs.

What $750 a month becomes

$466,956

Twenty years of $750 a month. You put in $180,000, and $286,956 is growth.

This is an example. It is arithmetic on numbers you enter, run in your browser.

Learn the ideas first

The math, in plain language.

How compound growth worksThe mechanics, and the formula that does the heavy lifting. What is a safe withdrawal rateThe 4% idea, what it means, and how to use it without overthinking it. How to estimate your FIRE numberThe 25x rule, where it comes from, and how to read your number.

Capital Allocation is an educational planning tool, not financial advice. Every figure is arithmetic on assumptions you control. Change an input and the answer changes with it. Talk to a licensed professional before acting on any plan.

Common questions

Straight answers.

Is it really free?

Yes. Every tool is free, with no trial clock and no paywalled tier. Brokerage referral links keep it that way. Advanced tools may become a paid tier later. What is here today stays free, and we will never sell your data.

Do you connect to my bank or brokerage?

Never. Everything is manual input. There is nothing to link and no credentials to hand over.

Where does my data live?

In this browser, on this device, by default. Nothing is uploaded, and you can clear it from Settings whenever you like. If you choose to create an account, your entries are also saved to that account so they follow you between devices; sign out and the account copy stops updating. Accounts are optional and the app is fully usable without one.

Is this financial advice?

No. It is an educational modeling tool. The outputs are your own assumptions computed honestly, not recommendations.

When you are ready to invest

One short comparison in plain English, organized by how people actually invest. We only list platforms we would use ourselves.

Compare brokerages

How we stay free: if you open an account through one of these links, we may earn a commission at no extra cost to you. It never changes what we list or the order we list it in.

Start with one number.

It takes ten seconds, and the rest builds from there.

Start planning, free Browse the tools