A financial decision engine where users input their income, tax bracket, mortgage details, pension scheme rules, and available tax-sheltered accounts. The tool runs side-by-side scenario comparisons showing after-tax outcomes over 5, 10, and 20-year horizons for each allocation strategy. It accounts for employer matching, salary sacrifice tax savings, marginal tax rates, mortgage interest saved, and investment growth assumptions to produce a clear, ranked recommendation.

Rising interest rates have made the mortgage-vs-investing tradeoff genuinely competitive again, while increasingly complex tax-advantaged account rules across countries like the UK, Canada, and Australia leave households paralyzed by optionality. The surge in forum posts seeking personalized allocation advice signals massive unmet demand for automated, jurisdiction-aware financial modeling.