— / 100 reserved · — days to beta

Cut the noise.
Cut the fees.
Take control.

Five independent tools that analyse your investments, find hidden costs, and show you exactly what to do — based on data, not someone else's sales targets.

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Why It Matters

Most investors are leaving money on the table without knowing it

The wrong fund choices, poor tax placement, and portfolio drift cost the average investor thousands over time. Allocra runs the numbers so you can see exactly where you stand and what to do about it.

1.5%
Average annual cost drag
from fees, tax inefficiency, and poor fund selection that most investors don't see
£117k
Lost over 20 years
on a £250k portfolio — the compound cost of a 1.5% drag versus an optimised one
6,000+
ETFs available
across UK and US markets — and most investors only compare a handful before choosing
Real Investor Challenges

Sound familiar?

These are the challenges most investors face — and each one has a tool built to solve it.

How do I choose the right provider for me?
There are dozens of investment platforms, each with different fee structures, fund ranges, and service levels. The ETF Screener lets you compare providers side by side on the things that actually matter to your situation — before you commit.
ETF Screener →
Which ETFs actually match my goals?
With over 6,000 ETFs available, most people compare a handful and hope for the best. The ETF Optimiser analyses your goals, risk tolerance, and timeline to build a portfolio that actually fits — backed by data, not guesswork.
ETF Optimiser →
Am I paying more tax than I need to?
Most likely, yes. Holding the wrong investments in the wrong accounts — a high-yield fund in a taxable account instead of an ISA or SIPP — can cost you thousands over time. The Tax Optimiser shows you exactly what to move and where.
Tax Optimiser →
What dividend income should I expect this year?
If you hold income-producing investments across multiple accounts, tracking what's coming in — and whether it's growing — is a mess. The Dividend Tracker gives you a complete calendar and annual forecast in one place.
Dividend Tracker →
Has my portfolio drifted off target?
Markets move daily and your allocation drifts with them. What started as 60/40 might now be 72/28 — more risk than you planned. The Portfolio Rebalancer shows you exactly how far you've drifted and what trades will fix it.
Portfolio Rebalancer →
Am I paying too much in hidden fees?
Fund fees, platform charges, and tax drag compound silently over decades. The ETF Optimiser and ETF Screener work together to surface every cost and show you lower-cost alternatives that could save you thousands.
ETF Optimiser → ETF Screener →
The Tools

Five tools. Each one solves a specific problem.

You can use them independently or together. Every recommendation is based on analysis, not opinion — and we don't sell financial products.

ETF Optimiser

Tell us your goals. We'll build you a portfolio.

There are thousands of ETFs. Picking the right combination is overwhelming, and getting it wrong costs you. This tool cuts through the noise — you set your priorities for growth, income, and risk, and it builds you an optimised portfolio backed by data, not guesswork. It shows you the gap between where you are and where you could be.

UKUS

Tax Optimiser

Keep more of what you earn.

Where you hold your investments matters just as much as what you hold. Put the wrong fund in the wrong account and you'll overpay tax without even realising. This tool analyses your SIPP, ISA, 401(k), or IRA and shows you exactly where each investment should sit to minimise your tax bill — legally and automatically.

UKUS

Dividend Tracker

See every penny coming in.

If you rely on investment income — or want to build towards it — you need to know exactly what's arriving, when, and whether it's growing or shrinking. This tool tracks all your dividend payments in one place, forecasts your annual income, and flags shortfalls before they catch you off guard.

UKUS

ETF Screener

Find the right fund — and the right provider.

Not sure which provider to use? Start here. This tool lets you compare providers side by side based on what matters to you — fees, fund range, platform costs, and service. Already invested? Compare your current provider against the alternatives. Then drill into individual ETFs and rank them by cost, performance, yield, or sector exposure. No bias. No sponsored results. Just a clear, ranked comparison.

UKUS

Portfolio Rebalancer

Stay on target without the spreadsheet.

Markets move every day, and your carefully planned allocation drifts with them. Left unchecked, you end up with more risk or less growth than you intended. This tool monitors your portfolio, flags when it's drifted off target, and tells you exactly what to buy and sell to get back on track — at minimum cost.

UKUS
Why Allocra

Analysis, not advice.
Data, not opinion.

Most financial tools are built 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 recommendation is backed by data

You can see the analysis behind every suggestion. 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 or manage your money. It gives you the information and lets you decide what to do with it.

Over 20 years on £250k
Typical
Optimised
Average fund fees (TER)
0.75%
0.15%
Tax drag per year
0.50%
0.10%
Portfolio drift cost
0.30%
0.05%
Total annual drag
1.55%
0.30%
Portfolio value at year 20
£495k
£630k
Difference
+£135k
Markets

Built for both sides of the Atlantic

Every tool understands the rules, tax accounts, and products in your market.

United Kingdom

HMRC rules, UK-listed funds, and the tax treatment specific to each account type.

SIPP ISA LISA GIA CGT Dividend Tax

United States

IRS rules, US-listed ETFs, and the tax treatment for retirement and brokerage accounts.

401(k) Roth IRA Traditional IRA Brokerage Tax-Loss Harvesting

See where you really stand.

Join the early access list and be the first to run the numbers on your portfolio. No credit card. No commitment.

See the Tools