A growing set of free, standalone calculators that turn fuzzy money questions into clear pictures. While these are not the main Omnicogi application, they are public models we've made available because our users asked for direct access to them. No accounts, no email: just open a tool and start playing with the numbers.
Find out when you can actually retire, modelling the UK pension lock-in and running 1,000 market simulations for a realistic range of ages.
Open toolSee how a seemingly small platform or fund fee quietly degrades your wealth over decades. Drag the sliders and watch the gap open up.
Open toolProject your compounding passive income and pinpoint the year your dividends cross your living expenses: from net worth to cash flow.
Open toolCompare 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 toolShould 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 toolThese 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.
Spot a bug, or have a suggestion for this tool? Let us know.