u/tarski

Hi all,

I wanted to share a tool I built for my own financial planning and get some feedback.

When trying to figure out how to split savings across ISAs, tapered SIPPs, spouse and child saving, I found it really hard to model everything in one place without a massive spreadsheet.

So I built a simple web app to automate the calculations, and hosted it for free here: https://taxefficientinvestor.co.uk

Screenshot of the modeller: https://ibb.co/Vc3B4Dgc

Screenshot of the gilt ladder: https://ibb.co/nsX6sqtC

It is completely free, ad-free, requires no login, and runs entirely in your browser (no data is stored or sent to a server).

Key features:

1. Allowance Modeller: Models the flow of savings across ISA, SIPP and taxable accounts.
2. Gilt Explorer & Ladder: Pulls daily gilt prices and calculates Gross and Net YTMs based on your specific tax band.
3. Fund Explorer: A quick comparison of major index funds.

I'd love to hear your thoughts, feedback, or if you spot any bugs.

Cheers,