Better financial decisions
Manage your assets and liabilities, plan your cash flows.
What is my financial risk?
A summary of how exposed your plan is to market, inflation and longevity risk.
Information table placeholder — design pending.
Everything you need in one app
From projecting your finances to building portfolios – Allocatewise gives you the tools to make confident decisions about your financial future.
Portfolio Dashboard
See how your portfolio performs across thousands of simulated futures. Track probability of reaching specific goals, monthly cashflows, and inflation-adjusted outcomes across your full retirement horizon.
Goal-Aligned Allocation
Set your goals and add any restrictions or allocation preferences. The engine searches for the weights that aim to meet it, using current return estimates and historical correlations across regimes, based on our proprietary, institutional grade models.
Stress Testing
Run your portfolio through historical crises – like 2008, COVID, stagflation – or build a custom crisis scenario. Learn exactly how vulnerable you are and paths to recovery.
How it works
Get from your current holdings to a stress-tested retirement plan in five steps.
Import your holdings
Upload a CSV from your broker, import activity statements, or enter positions manually.
Set your goals
Tell us your desired retirement date, monthly spending needs, current savings rate, and any property or mortgage.
See your probability of success
We simulate your portfolio growth, future savings, and planned expenses across up to 1,000 market scenarios to calculate how likely you are to reach your goals.
Build your goal-aligned allocation
Our model searches for an allocation designed to improve your chance of funding your retirement income, planned property purchases, and savings milestones across different market regimes, based on 10'000 simulations on recent market data.
Build and test sample portfolios
Build portfolios against the generated allocations – select from a vast universe of individual stocks, ETFs and gilts, then stress test to see how it could perform towards your goals.
Ready to discover?
Simulate your retirement now.
Get StartedNot regulated by the FCA. Not financial advice.
Let's stay in touch! Sign up to our newsletter
Weekly insights on portfolio allocation and financial planning, investing tips, and market commentary – straight to your inbox.