Five calculators and frameworks built for investors who think before they act. Use them free — save your scenarios with a membership.
Model how capital grows over time with variable rates, contributions, and reinvestment assumptions. See the curve, not just the number.
Enter a starting capital, annual growth rate, contribution frequency, and time horizon. The calculator shows you the compounding curve — how early years feel slow and late years feel vertical. Toggle between scenarios to see what a 2% difference in rate means over 20 years.
Rate each position across conviction, thesis clarity, valuation, and risk. Surfaces what's pulling your portfolio in the wrong direction.
Score each holding across four dimensions: conviction (how strongly you believe in the thesis), thesis clarity (can you explain it in two sentences?), valuation cushion (how much margin of safety?), and tail risk (what's the worst-case?). The scorecard reveals concentration problems and weak positions before the market does.
A structured worksheet that forces you to ask what the crowd is missing — and whether you actually have an edge. Pressure-tests your thesis in six steps.
Howard Marks' second-level thinking, turned into a six-step worksheet. You articulate the consensus view, then challenge it: what does the market think, why might the market be wrong, what would need to be true for you to be right, what's the downside if you're wrong, and what's your actual edge? Forces clarity before conviction.
Key financial ratios interpreted in context, not just calculated. Know what P/E, EV/EBITDA, and ROE actually mean for the stock in front of you.
Input a company's financials and the tool calculates and contextualises the ratios that matter: P/E vs. sector median, EV/EBITDA vs. historical range, debt-to-equity against industry norms, and return on equity over time. Each ratio comes with a plain-English interpretation — not just the number, but what it's telling you.
Built for Malaysian investors. Model your EPF balance, voluntary contributions, and projected retirement income against actual EPF withdrawal rules.
Most EPF calculators assume you retire at 55 and never revisit the assumptions. This one doesn't. Model Account 1 and Account 2 separately, layer in voluntary contributions, apply the actual EPF dividend rate, and see your projected balance at any retirement age you choose. The only EPF tool that treats you like an adult.
Free tools are yours without an account. Members save assumptions across sessions, unlock the IV calculator and scorecard, and get early access to everything new.