Roadmap

What is live, and what is next.

Allocra is built by one founder, in the open. This page says what exists today and what comes next, in the order of the four questions Allocra answers. It is updated when things ship, not when things are imagined. If something here matters to you, say so: hello@allocra.co reaches the person who builds it.

Updated 21 September 2026 Founders pricing opened 28 August 2026
A note on promises. Anything marked committed is a commitment already made in writing to subscribers. Anything marked planned is a direction, not a date: one person builds this, and honest sequencing beats confident scheduling. The universe of funds is refreshed every Saturday morning, and platform charges are re-verified monthly with the confirmation date shown where they are used.

Live today

Allocra is one platform organised around four questions. Until 21 September 2026 the site described it as five separate products; the product names are retired and what follows is the same work under its proper headings.

What you hold

Since September 2026

One record of holdings by ISIN across general investment accounts, ISAs, SIPPs and other pensions, Lifetime ISAs and Junior ISAs. Import from an interactive investor transaction export, or enter by hand. HMRC reporting status checked for every offshore fund against the published list, with the list date shown. Fund facts from a verified universe of UK and US listed ETFs, refreshed weekly.

What it costs

Free, no sign-in

True Cost: the total cost of holding nine popular UK retail ETFs across six verified UK platforms, with platform caps applied correctly, compounded over your horizon. Portfolio X-Ray: concentration and overlap for the nine most-held UK retail ETFs. The Fee Clock: what UK investors pay in investing costs, per second, sourced and dated. Inside your account, cost facts for every fund in the universe.

How it compares

For subscribers

Provider comparison across UK platforms. Fund comparison across the verified universe, ranked by cost, yield or exposure, with no sponsored results. Portfolio sketches sized to your capital, goal and risk, with forecasts derived from the portfolio you built, an income calendar, and alerts on concentration and income. Saved sketches re-read against fresh data every Saturday. Allocra shows the gap and the working; it does not say which way to close it.

What to declare

The Ledger, since September 2026

Transaction import, section 104 pool with same day and thirty day identification, gains and losses by tax year against the annual exempt amount and the reporting threshold for 2025/26 and 2026/27, and the working behind every disposal. You choose where the record lives (nothing stored, this device, or synced to your account), can export it as a file, and can delete every copy in one action.

The Long View

Every Friday since June 2026

Fourteen issues so far, each with its sources, in the archive. Free. It is where Allocra says what has changed and what is next.

Next, in order

  1. One Allocra in the app. The account reorganises around the four questions, with one sidebar and one home page that is your portfolio. Nothing in the arithmetic changes; the headings do. Committed
  2. One record. Portfolio sketches and comparisons read the same holdings record as The Ledger, so a holding is entered once. Your storage choice applies to everything in your account, not only The Ledger. Committed
  3. What to declare, further. Excess reportable income for reporting funds, transaction imports from more platforms, and a year-end pack laid out for self assessment. Committed
  4. What it costs, with your own portfolio. Your holdings as the input to True Cost and X-Ray rather than a fixed list, custom platform fees, ISA, SIPP and GIA wrappers, and the full platform list. Committed
  5. Rules you set while calm. Thresholds on drift, cost, income and concentration, watched between your decisions and reported back when crossed. Data, never advice. Planned
  6. A US edition. Built on US law (cost basis by lot, the wash sale rule, PFIC) once the UK platform is complete. The Long View will say when. Planned
Allocra will never tell you what to do. That part is yours.