Organise your finances with practical tools

They answer three practical questions. The Investment Calculator shows where an amount you invest steadily can end up, with cost and inflation included in the maths. The Portfolio Tracker follows what you have already bought and works out your real return. The Budget Tracker shows where the money goes each month, so you know what is left to invest.

No. You open the page and start working straight away. There is no registration, we do not ask for an email and no account is created anywhere.

Only in the browser on your own device. The data never leaves your computer or phone and we never see it. That also means if you clear your browser or switch devices, you will need to enter them again.

The online tools run inside the page, need no installation and are free. The Excel files are downloads you keep for good: they work offline, you can adapt them however you like and they hold your history in a file that belongs to you.

If you have not invested yet, start with the Investment Calculator to see what the numbers mean over time. If you already hold positions, start with the Portfolio Tracker. If the question is how much you can set aside each month, start with the Budget Tracker.

Yes, with no usage limit and no hidden charge. There is no trial period that expires. The Premium Excel Tools are sold separately and are included in the annual Stay Ahead membership.

No. The tools run calculations on your own numbers and your own assumptions. They do not forecast markets and they do not suggest what to buy. They exist to help you understand the magnitudes, not to make the decision for you.