Free financial planning tools, modeled with precision.
Capital Allocation helps you model investment growth, FIRE goals, portfolio allocation, cash flow, debt payoff, dividends, and long-term scenarios — using manual inputs and transparent assumptions.
Every money question, one workspace.
Ten modules, one design, one promise: you type the numbers, the platform does the math, and every result is a projection you can question.
Investment growth projections
Model what steady contributions could become on your assumptions.
Allocation planning
Split a budget across allocations by percent or fixed amounts.
Monthly budget & cash flow
Planned vs actual by category, with your whole month flowing from income to savings.
Net-worth dashboard
One calm view of everything you enter, updated as you edit.
Portfolio tracking
A private, hand-entered record of what you hold.
Dividend income projection
Estimate income growth from yields you assume.
Forecast
Set a budget, split it across allocations, and watch a full projection react as you type — then stress it, tax it, inflate it, and drain it in retirement. Every output is hypothetical and built from your assumptions.
- Monthly & yearly contributions — plan in the rhythm you actually save.
- Custom contributions — one-offs, windfalls, and limited-run extras.
- Allocations — percent splits or fixed amounts across accounts.
- Advanced assumptions — contribution growth, caps, and fees.
- Inflation adjustment — see projected value in today’s dollars.
- Taxes — simplified drag on taxable allocations.
- Realistic range — cautious-to-optimistic bands, not one line.
- Withdrawal phase — model the years money flows back out.
- Goal solving — the monthly amount a target would take.
- Share & export — links and a clean PNG summary card.
One dashboard for your whole financial picture.
A concept preview of the modules in development. Every number below is an illustrative sample — nothing here is live data, and nothing ever syncs from an account.
Five steps. No jargon.
- 01
Enter your numbers
Budget, balances, timelines — typed by you, seen by no one.
- 02
Adjust assumptions
Returns, inflation, taxes, caps. Every dial is yours.
- 03
Compare scenarios
Change one input and watch the whole projection move.
- 04
Review insights
Plain-English takeaways, always tied to your inputs.
- 05
Export or share
A link or a clean summary card — your plan, portable.
Built for learning, not for advice.
Capital Allocation is an educational planning tool, not financial advice. Every figure it produces 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.
The math, in plain language.
Straight answers.
- Is it really free?
- Yes — every tool on this site is free, with no account, no trial clock, and no paywalled tier.
- 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 your own browser’s local storage. Nothing you type is sent to a server, and you can export or erase it anytime from Settings.
- Is this financial advice?
- No — it is an educational modeling tool. The outputs are your own assumptions computed honestly, not recommendations.
Resources for funding your plan.
When you’re ready to put a plan into motion, we keep one short, plain-English comparison of brokerage platforms — matched to how people actually invest, never hyped.