Free to use, no sign-in. The subscription: £9 a month or £79 a year
Cut the noise.
Cut the fees.
Take control.
Allocra keeps your portfolio in order: what you hold, what it costs, how it compares, and what you must declare. Every figure dated and sourced. The decisions stay yours.
No account needed. Everything runs in your browser and nothing is sent; only ISINs are checked.
The figures nobody puts on one page
Fund charges, platform tariffs, reporting status and the gains arithmetic live in different documents, published on different dates. Allocra puts them on one page for the funds you actually hold, with the date each figure was true.
Sound familiar?
These are the questions most investors end up asking. Each one is answered by a section of Allocra, with the working shown.
How it compares →
How it compares →
What to declare →
What you hold →
How it compares →
What it costs →
One portfolio. Four questions.
One record of what you hold, and the four questions every investor meets in the order they meet them. Every figure dated and sourced. Allocra shows the working and leaves the decision with you.
What you hold
Each fund by its ISIN, the account it sits in, and from your transactions the units and cost behind it. Entered by hand or imported from your platform's export. Matched to a verified universe refreshed weekly, with HMRC reporting status checked and dated.
What it costs
What the funds you hold take in a year at today's values, then platform fees with their caps applied correctly, spreads, currency and withholding drag, compounded over your horizon. What is not yet counted is listed on the screen, not assumed.
How it compares
One provider against another. The sterling and dollar lines of the same fund. A draft portfolio you built against the one you hold. Today's weights against your target. Allocra shows the difference; it does not say which way to close it.
What to declare
Each sale matched to its purchases under the rules in the order the law applies them: same day, thirty days, section 104 pool. Gains and losses by tax year against the annual exempt amount, and whether a return is needed. ISA and pension trades kept, never computed.
The Long View
A short essay on one thing that costs investors money and is rarely explained. Every figure dated and sourced, no products named. It is also where Allocra says what has changed and what is next.
Analysis, not advice.
Data, not opinion.
Most financial analysis is published by companies that also sell financial products. That creates a conflict of interest you may never see. Allocra is different.
We don't sell financial products
No funds to push, no commissions to earn, no sponsored results. Our only incentive is giving you better data.
Every figure is dated and sourced
You can see the working behind every number. Nothing is a black box. If the numbers don't support it, we won't show it.
You stay in control
Allocra doesn't execute trades, manage your money or tell you what to do. It gives you the information and the working, and the decision stays yours.
The sample record on the professionals page: VWRP and SWDA, values at the close of 10 October 2026, each platform’s published tariff with its caps applied, the currency charge excluded because it depends on dealing. Nothing here is projected; every figure is a published tariff on a stated date.
The subscription.
A free seat keeps your record: what you hold, what it costs and how it compares, with every figure dated. The subscription, £9 a month or £79 a year, adds what to declare: the Ledger workings, the year-end pack and the alerts. Any change to the price is announced to subscribers at least sixty days ahead and applies only from their next renewal. Not ready? Join the list below and get The Long View every Friday morning.
UK investors today. The door to the US left open.
Allocra serves UK investors today: HMRC's rules, ISAs and SIPPs, the section 104 pool. US listed funds are in the universe because UK investors hold them. A US edition is intended and will be built on US law (cost basis by lot, the wash sale rule, PFIC) when the UK platform is complete; The Long View will say when.
Stated 20 September 2026. What is live and what is next is on the roadmap.