Analytics that usually cost a subscription.
The kind of tooling a desk analyst reaches for — risk-adjusted returns and Value-at-Risk, backtesting, rebalancing with tax-lot selection, crash replay, a dividend calendar and Monte Carlo — built right into the app.
Focus — your own dashboard
Pick the sections you actually use — health, performance, exposure, fees, planning, whatever matters to you — and they become the page the app opens on. Twenty-four to choose from, in the order you want them.
Portfolio Risk
Concentration via the Herfindahl index and "effective positions," allocation by class, sector, region and currency, an editable stress test, and a replay of your holdings through the real 2008, COVID and 2022 crashes.
Backtesting & risk ratios
Run your allocation against real prices — lump-sum vs DCA, CAGR / IRR, drawdown — then the full risk-adjusted picture: Sharpe, Sortino, Treynor, Calmar, Value-at-Risk, and a correlation matrix that shows when "diversified" is really one bet.
Scenario Time Machine
Save named what-ifs from your real finances — buy vs rent, retire at 55 vs 60 — each a timeline of events projected forward and compared on one chart. Branch and tweak one variable.
Investment & Loan Calculators
Growth projections with inflation-adjusted purchasing power and a 2,000-trial probability simulation, plus a full loan amortization calculator with extra payments.
Retirement / FIRE
A two-phase Monte Carlo simulation estimating your FIRE number, years to independence and the odds your money lasts — modeling sequence-of-returns risk, auto-filled from your data.
Budgets & Net Worth
Per-category budgets — or one total cap across everything — vs actual spend, automatic recurring-expense detection, and a live net worth with history and goal tracking.
Bonds, properly
Not just value and coupon: yield to maturity, duration, convexity and a maturity ladder, so you can see what a 1% rate move actually costs you and when your money comes back. Enter face, coupon, maturity and price as a % of par — the maths is pure arithmetic, no feed required.
Precious & industrial metals
Gold, silver, platinum and palladium — plus copper and aluminium — priced live off futures, held in troy ounces, kilos or grams, and folded into net worth, your health score and the analytics. No extra data key.
Real estate & alternatives
Property, private equity, vehicles and collectibles, entered by hand. Link a home to its mortgage for a live equity read-out, and see it all counted once in net worth — never double-subtracted.
Read-only crypto wallets
Paste a public BTC or ETH address and its balance — native coin and ERC-20 tokens — flows into your net worth. Public addresses only: no keys, no seed phrase, nothing that could move a cent.
Rebalancing
Set a target weight per holding and get the exact trades back to it — or deploy new cash to your laggards without selling a thing. It even tells you which tax lots to sell, smallest-gain first, and the gain each would realise.
Dividend calendar
A forward calendar built from what your holdings have actually paid — the real rhythm, not a guess. Trailing income and yield per holding, projected month by month. Accumulating ETFs are correctly shown as paying nothing.
Custom alerts
Beyond a price level: a sharp move in a day, a holding drifting from its target, or your whole portfolio crossing a total. Native desktop notifications, checked as prices refresh, and never firing on missing data.
Savings goals
Separate pots — house deposit, emergency fund, a car — each with a target and a date. It tells you the monthly contribution to get there on time and whether your current rate makes it, assuming no growth unless you say so.
Accounts & tax wrappers
Record which account each holding sits in — an ISA, a SIPP, a 401(k), pensioensparen — and the tax tab stops pretending everything is in a plain taxable account. Sheltered holdings drop out of your bill automatically. Fourteen wrapper types across the countries covered.
Value since your first trade
Your portfolio rebuilt day by day from your own transactions and each holding's price history — so the chart starts the day you actually began investing, not the day you installed the app. Split-adjusted, and honest about what it can't reconstruct.
True time-weighted return
The return of your strategy, with the timing of your deposits stripped out — the figure you can fairly hold against an index — alongside money-weighted XIRR and per-holding contribution, reconstructed from your ledger.
Luck vs. skill
Your own track record rebuilt a thousand times over, to show how much of it could be chance. If the plausible range of risk-adjusted return still spans zero, it says so — because a good number over a short, noisy stretch is what luck looks like too.
Assumption sensitivity
Retirement maths rests on numbers nobody can look up. The whole withdrawal comparison is re-run across 135 nearby settings, so you can see whether the recommendation is a real decision or an artefact of one figure you typed in.
Corporate actions
Record splits, spin-offs, returns of capital and mergers as dated events that rewrite your quantity and cost basis correctly — so a 2-for-1 or an acquisition never quietly breaks your P&L or your holding period.
Tax in 35 countries
Pick your country and see what tax actually applies: transaction taxes, dividend tax on top of any foreign withholding, and the capital-gains bill if you sold today. All of Europe plus the US, India, Singapore and the UAE — with each country's quirks (Belgium's TOB, UK stamp duty, India's STT, Dutch Box 3) and every rate editable.
Currency exposure
Your portfolio's true split across currencies — home versus foreign — and each holding's return broken into the asset move and the currency move, using free dated ECB reference rates.
Document vault & estate
A local, AES-encrypted locker for statements and policies, plus an estate handoff — beneficiaries and a full net-worth inventory exported as a single page for the people who would need it.
Lots & Transaction Ledger
Every position and P&L figure is derived from a pure transaction ledger, with a per-lot view of what you bought and when — so the numbers reconcile instead of being stored and hoped for.
Command Palette & PDF Report
Ctrl+K jumps to any tab, holding or action without the mouse. Export a designed one-page A4 summary of your position — generated locally, no service involved.
Dark & light mode
Switch the whole app from the top bar — every chart included, not just the panels around them. Status colours are re-tuned for each theme so a loss reads as a loss on white, and your choice is remembered next launch.