Decision Engine

Financial Allocation Optimizer

Given your finances, goals, and priorities — discover where your money should go.

We calculate how fast you'd pay off your mortgage with extra payments

We project investment growth if you invested instead

We account for taxes and inflation

We show multiple scenarios and a recommendation

Personal Profile

País

Select a country to auto-fill typical defaults

Age

Retire at

Household Status

Dependents

Employment Type

Income Stability

How reliable is your income?

Homeownership

Essentials

Amount to Allocate

€

How much money do you want to allocate?

Allocation Type

Is this a one-time amount or monthly surplus?

Net Monthly Income

€

Essential Expenses

€

Rent/mortgage payment, food, utilities, insurance, transport

Liquid Savings

€

Cash in bank accounts, money market, short-term deposits

Debts & Mortgage

High-Interest Debt (credit cards, consumer loans, BNPL)

Balance

€

APR

Monthly Pmt

€

How much you currently pay monthly toward this debt

Medium-Interest Debt (car loans, student debt)

Balance

€

APR

Monthly Pmt

€

Mortgage

Balance

€

Rate

Mortgage Structure

Variable or resetting mortgages increase prepayment value

Years Remaining

Prepayment Fee

Some mortgages charge a fee for early repayment

Assets & Investments

Discretionary/mo

€

Entertainment, dining out, subscriptions, hobbies

Taxable Investments

€

Stocks, ETFs, mutual funds in taxable accounts

Retirement / Pension Assets

€

Pension funds, retirement wrappers, employer plans

Employer matches pension contributions

If your employer matches contributions, this is prioritized

Max Employer Match Amount

€

Maximum your employer will match per year

Goals & Preferences

Risk Tolerance

Affects how the allocation is weighted

Liquidity Preference

Debt-Free Preference

Emergency Target

months

How many months of expenses to keep as emergency reserve

Min Cash Floor

€

Never recommend leaving you with less than this in liquid cash

Avoid locking money in retirement accounts

Prefer guaranteed outcomes over higher expected returns

I have a specific savings goal

Goal Type

Target

€

When

Saved so far

€

Tax & Investment Assumptions

Expected Return

Expected annual return before tax — e.g. 7% for a diversified equity portfolio

Tax on Gains

Fees (TER)

Retirement Tax Benefit

Marginal tax rate saved by contributing to retirement wrappers

Important

This tool is for educational purposes only and does not constitute financial advice. Please consult a qualified professional.

You tell us your income, savings, debts, and goals

We score each allocation bucket (emergency fund, debt, mortgage, investments) using a multi-objective engine

We run three strategies — Safety First, Balanced, and Growth First — and compare their impact

We show you a recommended allocation with reasons, opportunity costs, and a resilience score

Financial Allocation Optimizer

How It Works

Calculate Your Scenario

Your Inputs

Important

Your Results

Important

How It Works

Your Risk Profile