FIRE Calculator
Find out when you can realistically retire, modelling the UK pension lock-in and running 1,000 market simulations for a credible range of ages.
Open toolFee Drag Visualiser
See how a seemingly small platform or fund fee quietly degrades your wealth over decades. Drag the sliders and watch the gap open up.
Open toolDividend Snowball
Project your compounding passive income and pinpoint the year your dividends cross your living expenses: from net worth to cash flow.
Open toolProperty vs Equities
Compare a levered buy-to-let against the same starting cash in index funds on a like-for-like basis, with mortgage, rent, costs and property CGT included.
Open toolMortgage vs Investing
Should you overpay your mortgage or invest the extra cash? Enter your LTV, interest rate and expected return to see which strategy builds more wealth.
Open toolStop estimating. Start knowing.
These tools run on assumptions. Omnicogi runs on your actual numbers, tracking every account, benchmarking your returns, and showing your true progress in one unified ledger.