Free, no signup wall
Tools and guides that respect your intelligence
Calculators with the assumptions on sliders, spreadsheets with the formulas wired, checklists with substance, and guides that tell you the trap as well as the rule. Everything readable for free; your email only ever buys you a copy of something, never access.
The course library
Seven free email courses, one short email a day each. Pick the track that fits where you are; take several, they pace themselves independently.
Browse all seven courses
First investment, company financials, crash-proof mindset, dividend income, UK tax efficiency, reading the market like a pro, and spotting value traps. One signup, any number of tracks.
OpenNot sure? Start here
Five days to your first confident investment: the foundation track most people should take first.
OpenCalculators
Live results, honest defaults, and every assumption where you can see and move it.
Retirement calculator
The pot your target income needs, and the monthly amount that gets there.
OpenDebt payoff planner
Avalanche vs snowball with real numbers, side by side.
OpenNet worth calculator
What you own minus what you owe, in five honest minutes.
OpenEmergency fund planner
Your target, your progress ring, and the month it is done.
OpenFair value & margin of safety
The screener's own Graham model, every assumption on a slider.
OpenGrowth visualiser
Contributions, fee drag and real vs nominal, on one chart.
OpenMortgage overpayment
Interest saved and years shaved, on real amortisation.
OpenISA vs SIPP decision tool
Where the next £1,000 works hardest, reasoning shown.
OpenPension tax relief
True cost at your band, including the reclaim most forget.
OpenFIRE number calculator
Your independence number, and the age you reach it.
OpenDividend reinvestment projector
Income with and without DRIP, decades out.
OpenRebalancing helper
Drift, the exact trades, and the no-sell new-money plan.
OpenFX fee comparison
What buying US stocks from the UK really costs per tier.
OpenCoast FIRE calculator
The pot that finishes the job by itself, and the age you reach it.
OpenSavings vs CD vs T-bills
All three after tax at your rates, for the rate-cut cycle.
OpenRefinance break-even
Monthly saving, months to break even, and the term-reset trap.
OpenCrypto tax calculator
UK CGT and US short vs long-term, with the honest caveats.
OpenCompound interest calculator
Set a monthly contribution, a return and a horizon, and watch the curve bend.
OpenRisk of ruin calculator
Set a win rate above 50%, so you have a genuine edge.
OpenDCF fair value calculator
Earnings, growth and an exit multiple.
OpenDrawdown recovery calculator
How far you fell, and the gain required to get back to level.
OpenFund fee impact calculator
A 1% annual fee sounds trivial.
OpenInflation calculator
What your money buys later, at a given rate of inflation.
OpenNew for 2026: US tax & policy tools
The One Big Beautiful Bill rewrote the US tax rulebook through 2028. These four turn the new rules into numbers, with every figure sourced and dated.
No tax on tips & overtime
The new deductions for 2025-2028: your cap, your phaseout, your saving.
OpenUS take-home pay, 2026 rules
New brackets, bigger standard deduction, senior bonus, 401(k) and FICA.
OpenTrump account calculator
The $1,000 seed and $5,000-a-year cap, compounded to 18 and 30.
OpenRoth conversion calculator
Tax due now on 2026 brackets vs your rate later, both routes shown.
OpenCharitable giving, 2026 rules
The new non-itemizer deduction, the 0.5% floor, and the QCD route.
OpenSpreadsheet templates
Real .xlsx files with the formulas already built: budget, net worth, portfolio and dividend tracking.
Checklists
Substantive, printable, and honest about the boring parts that actually protect you.
The 10-point checklist before buying your first stock
Ten questions to answer honestly before you buy a single share, each one a real filter, not a platitude. Printable and free.
OpenYear-end tax moves checklist (UK)
The allowances that die at midnight on 5 April and the ones worth planning around, in one printable checklist. 2026/27 figures.
OpenDue-diligence checklist for any stock
Twelve checks that catch most avoidable mistakes: the business, the numbers, the price, and who is buying. Printable and free.
OpenNew-investor setup checklist (UK)
From nothing to properly set up: the accounts, the order, and the defaults that protect you. UK-specific and printable.
OpenThe before-you-sell checklist
Selling is the decision investors get most wrong. Eight questions that separate a reason from a feeling, printable and free.
OpenThe market-crash action plan
The checklist you write while calm and open while panicking: nine steps for the next 20 to 40% fall, printable and free.
OpenThe annual portfolio review checklist
One honest hour a year: allocation drift, cost audit, thesis checks, wrapper hygiene and the rebalance. Printable and free.
OpenThe choosing-a-broker checklist
Nine checks that actually separate UK platforms: total cost at your balance, FSCS cover, FX fees, exit costs and the rest.
OpenThe ISA-season checklist
The end-of-tax-year ISA routine: allowance, bed-and-ISA, the 2027 cash ISA change, and the early-bird trick for next year.
OpenShort guides
Ten-minute reads that give you the whole picture and name the traps.
The beginner's guide to index investing
Why one boring global fund beats most clever portfolios, how to buy it in the UK, and the two numbers that decide your outcome.
OpenHow to build a 6-month emergency fund on any income
The honest method: essentials not lifestyle, automation not willpower, and milestones that keep you going. With UK account specifics.
OpenHow to read a company's financials in 10 minutes
The three statements, the six numbers that matter, and the pattern to look for, in the order a professional skims them.
OpenUnderstanding moats and fair value
What a moat really is, the five kinds worth naming, what a fair value estimate can and cannot know, and why margin of safety exists.
OpenDollar-cost averaging vs lump sum, honestly
The evidence says lump sum usually wins. The psychology says averaging keeps you invested. The honest guide to choosing.
OpenHow to think about market crashes
Crashes are a feature, not a malfunction: what actually happens, why selling feels right and is usually wrong, and how to prepare now.
OpenDividend investing basics
How dividends actually work, the three numbers that matter (yield, growth, cover), the reinvestment loop, and the yield trap.
OpenETFs vs index funds vs investment trusts
The three fund structures UK investors actually meet: how each works, where each shines, and the traps (spreads, premiums, gearing).
OpenHow to read an earnings report
Quarterly results in 20 minutes: what to read in order, adjusted versus statutory numbers, guidance, and why prices move oddly.
OpenThe best places for cash in 2026, ranked by job
Where cash should sit in 2026's rate-cut cycle: easy-access savings, fixed terms, government bills, and tax wrappers, ranked by the job the money is doing. US and UK.
OpenThe best free investing tools in 2026, and what each is actually for
The free investing tools worth using in 2026, ranked by job: screeners, fair value calculators, 13F trackers, retirement math and portfolio checkups, with the trap each one hides.
OpenCheat sheets
One page each: the term, the plain-English meaning, and the trap.
UK brokerage accounts, one page
Every UK platform is one of three fee models. Which model wins depends only on your balance; here is the arithmetic on one page.
OpenISA vs SIPP, one page
The two UK tax shelters side by side: allowances, tax in and out, access, and the April 2027 change, on one page.
OpenReading savings rates, one page
How to read any savings account in ten seconds: AER, easy access vs fixed, the personal savings allowance, and the four traps.
OpenKey valuation ratios, one page
The seven ratios that appear on every stock page, each in one plain sentence plus the trap that catches people. Print-friendly.
OpenUK tax year key dates and allowances, one page
Every allowance that matters and every date that bites, verified for 2026/27, on one printable page.
OpenOrder types explained, one page
Market, limit, stop, stop-limit and the rest, each in one sentence with the trap that catches retail investors.
OpenFinancial ratios one-pager, expanded
Beyond valuation: the profitability, health and efficiency ratios that describe the business itself, each with its trap.
OpenAsset allocation by age, one page
The classic age rules (100-minus-age and friends), what each implies, and the honest limits of allocating by birthday.
OpenCommon investing biases, one page
The eight behavioural biases that actually move retail returns, each with its telltale sign and its practical counter.
Open