Screenshots — Manticore Finance

Not mockups

The actual app, running.

Real screens from a real install — live market prices, a real backtest against real history. Only the holdings and balances are a sample portfolio.

Financial Health

One 0–100 score, five weighted pillars, and the weakest one named first.

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Manticore Finance Health tab: a 77/100 financial health score with savings rate, emergency fund, debt, diversification and retirement pillars.

Backtest, risk ratios & correlation

Your allocation against real history, then the full risk-adjusted picture — Sharpe, Sortino, Treynor, Calmar and Value-at-Risk.

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Manticore Finance Backtest tab showing risk-adjusted returns: Sharpe, Sortino, Treynor and Calmar ratios plus Value-at-Risk and downside volatility, above a correlation matrix of the holdings.

Was that skill, or a good run?

A return on its own proves nothing — a good number over a short, volatile stretch is exactly what luck looks like. Your track record is rebuilt a thousand times, and if the plausible range still spans zero, the app says so.

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Manticore Finance Performance tab: a luck-versus-skill test showing the plausible range of Sharpe ratio and annual return from a bootstrap of the portfolio’s own daily returns, and how the worst drawdown compares against thousands of reorderings of the same days.

Rebalancing with a trade list

Set a target weight per holding and get the exact trades. Sells fund buys to the cent, and it tells you which tax lots to sell.

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Manticore Finance Rebalance tab: target weights per holding with drift, and a plan showing equal buy and sell totals plus a step-by-step trade list.

What real crashes did to it

Your current holdings run through 2008, COVID and 2022 — worst fall, time to recover. Periods your holdings predate are refused, not guessed.

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Manticore Finance crash replay: the current portfolio through the COVID crash and 2022 bear market with drawdown charts, and the 2008 and dot-com windows shown as unavailable for lack of price history.

Dividend calendar

Built from what your holdings have actually paid, so the rhythm is measured rather than assumed — then projected month by month.

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Manticore Finance Dividends tab: income received over the last twelve months, per-holding payment frequency and yield, and a forward calendar of expected payments by month.

Scenario time machine

Branch your finances, compare the branches on one chart, and see which one reaches FI first.

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Manticore Finance Scenarios tab: three what-if branches projected forward on one net worth chart, with an outcome table of ending net worth and the year each reaches financial independence.

Retirement / FIRE

2,000 simulated market paths, so sequence-of-returns risk shows up instead of being averaged away.

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Manticore Finance FIRE calculator: FIRE number, years to financial independence, the probability the money lasts, P10/P50/P90 ending balances and a projection chart.

Planning studio

Project your portfolio through retirement under a chosen spending rule, then stress it with a Monte Carlo that exposes sequence-of-returns risk.

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Manticore Finance Planning tab: starting balance, withdrawal strategy, income streams and life events, with a Monte Carlo success rate and a P10/median/P90 fan chart of balance over time.

Does the answer survive your assumptions?

Every retirement plan rests on numbers you had to guess. This re-runs the entire withdrawal comparison across 135 nearby settings and reports how often the recommendation still holds, what it costs you if the guess is wrong, and which assumption the answer leans on hardest.

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Manticore Finance Planning tab: an assumption sensitivity test reporting a robustness verdict across 135 settings, the cost of being wrong, the most sensitive assumption, and a table of each assumption with the values tested and whether it changes the answer.

Tax, in your country

Pick from 35 countries — all of Europe plus the US, India, Singapore and the UAE — and see transaction tax, dividend tax and the capital-gains bill if you sold today.

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Manticore Finance Tax tab set to the United States: an estimated $787.63 of annual dividends with $262.54 withheld, and $13,402.94 of capital-gains tax on an $89,352.96 unrealised gain, both with editable rates and allowances, followed by notes specific to the country and a line stating the rates are as of 2026.

Document vault & estate

An encrypted local locker for statements and policies, plus a one-page estate packet — beneficiaries and a full inventory — for someone you trust.

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Manticore Finance Records tab: an encrypted document vault listing a will, a mortgage agreement, a broker statement, a life insurance policy and a notarial deed, each padlocked and shown with its category, size and the date it was added.

What your heirs would actually receive

Two children with an identical share, taxed differently because one of them is seventeen. Pick the jurisdiction — each Belgian region separately, since they genuinely differ — and every heir's share, allowance, relief and tax is shown so you can check the working.

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Manticore Finance succession tax estimate for Belgium — Brussels: an estimated tax of $12,511.23 on a $513,582.85 estate, and a table of three heirs. The spouse pays nothing. Two children hold an identical $128,395.71 share, but the seventeen-year-old's tax-free amount is $25,000 including a $10,000 under-21 relief and she is taxed $5,805.61, while her older brother's tax-free amount is $15,000 and he is taxed $6,705.61.

Your own private AI analyst

Ask your finances anything and get a real analysis of your whole picture — powered by a model you choose, running on your machine. Nothing is sent to us.

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Manticore Finance Assistant tab: one-click insight prompts and a local model explaining the portfolio's crypto concentration with specific percentages and suggested options.

The rest of the app

Portfolio tab: holdings grouped into stocks, ETFs and crypto with live value, average cost, unrealized P&L, dividend income and tax-loss harvesting flags. — Portfolio — live value, P&L, dividends and tax-loss flags

Risk tab: Herfindahl concentration index, effective positions, position weight bars with anything over 20 percent flagged, and allocation by asset class. — Risk — concentration, effective positions, stress testing

Wallet tab savings goals: a house deposit goal with progress bar, the monthly contribution required to hit the date, and the projected completion date. — Savings goals — target, date, and whether your rate makes it

Wallet tab: estimated net worth, total assets and liabilities, a net worth history chart and progress toward a net worth goal. — Wallet — net worth over time, against your goal

Budget tab: per-category monthly budgets with colour-coded progress bars against actual spend, plus a one-time expense ledger. — Budgets — per category, or one cap across everything

Watchlist tab: stocks, ETFs and crypto grouped by type with live prices, daily change and analyst consensus ratings. — Watchlist — live prices, grouped, with analyst consensus

Sample portfolio, real prices. Nothing in these screenshots came from a customer's data. Click any screenshot to open it full size.