All your money,
one command center.
Net worth, portfolio, budget, debts, dividends, forecasts. Every account and asset in one live view, recalculated the moment a number moves.
Projected in 30 years
$0
- $0to start, and every core tool is free today
- 1place for everything you own and owe
- 7tools reading one shared dataset
The whole picture
Your net worth, live.
Assets on one side, debts on the other, one figure that moves the moment any entry does. The bar under it shows where every dollar sits, from investments to what you owe.
Your portfolio
Every holding, in one table.
Shares, cost basis, gains, dividends and targets, edited right in the row. Type a ticker and the company mark appears; totals and allocation recompute as you go.
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.
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.
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
The spreadsheet was the right idea. This is what it grows into.
The spreadsheet
- Formulas you maintain yourself, that break quietly
- Charts you build by hand, one at a time
- No history unless you remember to copy a row
- Payoff dates and projections you derive yourself
- A file that lives on one machine
Capital Allocation
- The math is built, tested, and maintained for you
- Every chart is already drawn, and stays current
- Net worth and portfolio history record day by day
- Debt-free dates and 30-year projections, live
- Sign in and the same plan opens on every device
How this is paid for: brokerage referrals, disclosed beside the comparison itself. They never change what we list or how we rank it.
The capabilities
Everything a serious plan needs.
Live recalculation
Change one number and net worth, cash flow, and every projection update together.
History, kept daily
Net worth and portfolio values record day by day, so the trend is real, not remembered.
Every asset class
Stocks, funds, property, cash, and the debts against them, on one balance sheet.
Dividend income
What your holdings pay in a year, by position and in total, from the yields you enter.
A debt-free date
Avalanche or snowball, the interest each would cost, and the month you are done.
Everywhere you are
The same plan opens on your laptop and your phone. Create a free account.
What $750 a month becomes
$380,652
Twenty years of $750 a month at an assumed 7% a year. You put in $180,000, and $200,652 is growth.
An example, not a promise: the rate and the amount are both yours to set.
Learn the ideas first
The math, in plain language.
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.
What does it cost?
Every core tool is free to use today, with no trial clock. As the platform grows, advanced capabilities may join a premium tier. Brokerage referrals help support the free tools: if you open an account through one of our links, we may earn a commission at no extra cost to you.
How do my numbers get in?
You type them. The editors are built for speed, and a working plan takes one sitting. Every figure stays yours to correct, which keeps the whole model honest.
Does my plan follow me between devices?
Yes. Create a free account and your entries sync to it, so the same plan opens on your laptop and your phone. You can also start without an account on a single device and sign in later.
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.
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.