Built for learning, in the open.
Who makes this, how the math works, and the standards it is held to.
What this is
Capital Allocation is a free set of financial planning tools built around one idea: you should be able to model your own money — growth, budgets, portfolios, withdrawal plans — without handing your accounts, credentials, or data to anyone. Every number on this site is typed by you, computed deterministically in your browser, and stored only there.
It is independently built and maintained. There are no investors steering the roadmap and no data business behind it.
What this is not
It is not financial advice, and it does not pretend to be. The tools are educational models: they run the arithmetic of the assumptions you give them, label those assumptions where the result appears, and stop there. Nothing here recommends a security, a broker, or a strategy for your situation — for that, talk to a licensed professional.
How the math works
Every calculation is deterministic: the same inputs always produce the same outputs, with no randomness, no live market feeds, and no hidden adjustments. The formulas are the standard ones — compound growth, withdrawal-rate arithmetic, cost-basis and gain/loss accounting as brokerages publish them — and each result names the assumptions it depends on. The reasoning behind that stance is written up in Why projections are assumptions, not guarantees.
Editorial standards
- No fabricated statistics, testimonials, or user counts — anywhere, ever
- Sample figures are always labeled as samples
- Educational guides cite the standard formulas they teach
- Errors are corrected at the source when found — not quietly buried
- Brokerage links are plainly disclosed on the page that carries them