A web-based financial modeling tool that ingests current mortgage details, income, savings rate, target purchase timeline, and risk tolerance to generate optimized cash allocation strategies across HYSAs, money market funds, treasuries, index funds, and bond ETFs. The tool simulates remortgage vs. save-and-buy scenarios, factors in keeping low-rate mortgages as rentals, and produces month-by-month allocation plans with tax-aware recommendations.

With mortgage rates remaining elevated relative to pandemic-era lows, millions of homeowners are stuck deciding whether to leverage existing equity, keep low-rate mortgages, or save aggressively for next purchases—creating widespread demand for sophisticated yet accessible decision tools.