Sign in Try now

The free library, no signup wall

Everything free, in one place

The library holds four kinds of things: calculators that do the math with the assumptions on sliders, email courses that teach one idea a day, spreadsheet templates with the formulas wired, and guides, checklists and cheat sheets to read or print. Everything is free to use; your email only ever buys you a copy of something, never access.

Ask the desk

The same advisor our members use, grounded in our live data. Educational, not advice.

Calculators

All of them, grouped by the job. Live results, honest defaults, every assumption where you can see and move it.

Investing & valuation

Pricing companies, understanding compounding, and the uncomfortable math of losses and fees.

Fair value & margin of safety

The screener's own Graham model, every assumption on a slider.

Who owns my stocks?

Every fund, politician and insider on record holding what you hold.

Portfolio second opinion

Paste your holdings, get a graded read on concentration, quality and valuation.

Smart money consensus

The companies several top funds opened as new positions in the same quarter.

Congress trading digest

Every political stock disclosure of the last seven days, biggest first.

Earnings cheat sheet

Who reports in the next fortnight, and how the funds holding them were positioned.

Super investor reports

Buffett, Ackman, Burry and more: their latest filing, emailed in plain English.

DCF fair value calculator

Discounted cash flow with the discount rate where you can argue with it.

Growth visualiser

Contributions, fee drag and real vs nominal, on one chart.

Dividend reinvestment projector

Income with and without DRIP, decades out.

Rebalancing helper

Drift, the exact trades, and the no-sell new-money plan.

Compound interest calculator

The one chart every other decision stands on.

Fund fee impact calculator

What a 1% fee quietly takes over thirty years.

Risk of ruin calculator

Why a genuine edge still ruins you if you bet too much.

Drawdown recovery calculator

A 50% loss needs a 100% gain. See it, believe it, size for it.

Inflation calculator

What today's money is worth later, and why cash has a cost.

Retirement & FIRE

Your number, the age you reach it, and which account gets you there fastest.

Retirement calculator

The pot your target income needs, and the monthly amount that gets there.

FIRE number calculator

Your independence number, and the age you reach it.

Coast FIRE calculator

The pot that finishes the job by itself, and the age you reach it.

ISA vs SIPP decision toolUK

Where the next £1,000 works hardest, reasoning shown.

Pension tax reliefUK

True cost at your band, including the reclaim most forget.

Roth conversion calculatorUS

Tax due now on 2026 brackets vs your rate later, both routes shown.

Tax & policy, 2026

The new rules turned into numbers: the OBBBA deductions, crypto gains, and giving.

No tax on tips & overtimeUS

The new deductions for 2025-2028: your cap, your phaseout, your saving.

US take-home pay, 2026 rulesUS

New brackets, bigger standard deduction, senior bonus, 401(k) and FICA.

Trump account calculatorUS

The $1,000 seed and $5,000-a-year cap, compounded to 18 and 30.

Charitable giving, 2026 rulesUS

The new non-itemizer deduction, the 0.5% floor, and the QCD route.

Crypto tax calculator

UK CGT and US short vs long-term, with the honest caveats.

AI agents & automated research

The arithmetic behind the category: what coverage costs, whether a tool can be trusted, and whether automating your reading actually pays.

AI agent readiness score

Eleven weighted questions that tell you whether an AI finance tool can be trusted with money.

AI screening cost calculator

What it really costs to point an agent at a market, and why your universe is smaller than you wanted.

AI research agent ROI

Hours saved, minus the checking, minus what slips through. It can say no.

Everyday money

Debt, savings, houses and the places your cash sits between decisions.

Debt payoff planner

Avalanche vs snowball with real numbers, side by side.

Net worth calculator

What you own minus what you owe, in five honest minutes.

Emergency fund planner

Your target, your progress ring, and the month it is done.

Mortgage overpayment

Interest saved and years shaved, on real amortisation.

Refinance break-even

Monthly saving, months to break even, and the term-reset trap.

Savings vs CD vs T-bills

All three after tax at your rates, for the rate-cut cycle.

FX fee comparisonUK

What buying US stocks from the UK really costs per tier.

Email courses

Seven free 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.

Not sure? Start here

Five days to your first confident investment: the foundation track most people should take first.

Spreadsheet templates

Eight real .xlsx files with the formulas already built. Download once, keep forever.

All eight templates

Budget with savings rate, two-year net worth tracker, portfolio tracker with weights, dividend log, FIRE progress, yearly budget review, subscription audit, and an XIRR return tracker.

Print & keep

One-pagers built to live outside the browser: checklists that protect you at the moment of decision, and cheat sheets that translate the jargon.

Checklists

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.

Year-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.

Due-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.

New-investor setup checklist (UK)

From nothing to properly set up: the accounts, the order, and the defaults that protect you. UK-specific and printable.

The before-you-sell checklist

Selling is the decision investors get most wrong. Eight questions that separate a reason from a feeling, printable and free.

The 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.

The annual portfolio review checklist

One honest hour a year: allocation drift, cost audit, thesis checks, wrapper hygiene and the rebalance. Printable and free.

The 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.

The 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.

Cheat sheets

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.

ISA 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.

Reading 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.

Key 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.

UK 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.

Order types explained, one page

Market, limit, stop, stop-limit and the rest, each in one sentence with the trap that catches retail investors.

Financial ratios one-pager, expanded

Beyond valuation: the profitability, health and efficiency ratios that describe the business itself, each with its trap.

Asset 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.

Common investing biases, one page

The eight behavioural biases that actually move retail returns, each with its telltale sign and its practical counter.

Short guides

Ten-minute reads that give you the whole picture and name the traps. For the deeper, interactive lessons, see the Learn section.

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.

How 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.

How 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.

Understanding 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.

Dollar-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.

How 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.

Dividend investing basics

How dividends actually work, the three numbers that matter (yield, growth, cover), the reinvestment loop, and the yield trap.

ETFs 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).

How 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.

The 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.

The 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.

Want the interactive versions with charts you can drag? The Learn library teaches the same ideas by letting you break them.

Shared a tool with a friend? Subscribers get a personal link; three signups unlock every template, ten lock in three months of Pro free at launch. Track your referrals.