Built for investors who'd rather think than be sold to.
Allocra is an independent toolset for self-directed investors. No sales pitch, no affiliate revenue, no black-box recommendations — just structured analysis you can actually read.
Why Allocra exists
There is too much unqualified opinion online, and too many people pushing products with a hidden agenda. Genuinely independent financial advice comes with a heavy bill — a bill that, in many cases, can be matched or exceeded by thorough, disciplined data analysis that an investor can do themselves.
Allocra was built to close that gap. The goal is a fast, dynamic, unbiased means of structuring analysis based on an investor's own objectives — so they can make informed decisions, or go to an adviser better prepared.
Allocra is not a financial adviser. Nothing on this site or within the tools constitutes investment, tax, or financial advice. The tools are educational and analytical. See our Disclaimer for more.
About the founder
Allocra was founded by Sebastian Kacary.
A qualified Engineer with an MBA, Sebastian spent most of his career in back-office finance, managing the delivery of risk and trading platforms. He led a multi-national market data development team, and has extensive expertise in Cloud and AI Engineering. Alongside his professional work, he has been heavily involved in retail investing and trading for many years. He built the Allocra toolset originally for his own use — to help structure his investment planning and decisions with more rigour than the signal-to-noise ratio of the internet could provide on its own.
The tools are now made available to others who share that same instinct: that better outcomes come from better data, clearer assumptions, and fewer incentive conflicts.
What the tools do
Allocra publishes five independent, browser-based tools. Each one tackles a specific part of the analytical workload a serious self-directed investor ends up doing anyway:
- ETF Optimiser — overlap analysis, concentration checks, and cost stacking across a portfolio of funds.
- Tax Optimiser — allowance planning, CGT and dividend tax modelling, account placement logic.
- Dividend Tracker — income forecasting, yield-on-cost, and payout calendars.
- ETF Screener — structured search across fund characteristics without marketing noise.
- Portfolio Rebalancer — drift analysis and rebalance modelling across holdings.
The tools run in the browser. Your inputs stay on your device. Allocra does not sell, broker, or recommend any investment product.
How Allocra is funded
Allocra is self-funded and independent. There are no affiliate links, no referral arrangements with brokers or fund houses, and no paid product placements. The long-term plan is a simple subscription model — either per tool or as a bundle — so the economics stay aligned with the people using the tools, and no-one else.
Company information
- Legal name
- ALLOCRA LTD
- Company number
- 17171921
- Incorporated
- 21 April 2026, Companies House (Cardiff)
- Jurisdiction
- England & Wales
- Registered office
- 71-75 Shelton Street, Covent Garden, London WC2H 9JQ, United Kingdom
- Contact
- hello@allocra.co
Allocra Ltd is not authorised or regulated by the Financial Conduct Authority. The tools are informational and educational only.