Learn to invest with pretend money and a tree.

Watch it grow

The My Tree tab is home.

• The tree's size is your portfolio as a percentage of your FIRE number.
• Tap the tree to replay its growth.
• Portfolio Value shows your total, today's change and uninvested cash.
• No holdings yet? Browse Funds takes you to the market.
• At 100% the tree is fully grown and starts paying out, coin by coin.

Browse the market

The Portfolio tab opens the Fund Market. Your cash to invest sits at the top.

• Filter by category: Global, US, UK, Europe, Thematic, Trusts, US Funds, Holdcos.
• Trusts, US Funds and Holdcos open with a briefing on that sector's catch: discounts, premiums, withholding tax, leverage.
• Each row shows ticker, price, today's move, YTD return and annual charge (TER).

Read the note. Then trade.

• Tap any fund for its research note and price per share.
• Choose Buy or Sell, enter a £ amount and confirm. Fractional shares, average-cost maths.
• You can't sell more than you hold. Sell all closes a position in one tap.
• Your recent trades in that fund are listed under the form.

Rebalance and review

• Holdings appear under Your Seeds on the home tab, with value and gain.
• ⚖️ Rebalance sells everything and rebuys the target mix for your risk profile: 40% bonds if conservative, 20% if moderate, all equities if aggressive.
• 📜 History logs every trade.

Fast-forward with the Time Machine

• ＋ Plant extra trees: Personal, Family, Child, Friend or Generational. Each gets a name, a starting amount and a monthly contribution.
• Pick a speed. 1x is a month per second; 100x is about eight years per second.
• Personal trees switch between 🌱 Adding and 🍎 Harvesting, so you can test retiring early or late.
• Generational: Gen 1 contributes for 25 years and never withdraws. Every generation after harvests 4% of the tree at handover, keeps contributing, and hands it on 25 years later.
• ↺ Reset to today puts every tree back to the present.

Scrolling this page does the same thing. Watch the counter bottom-left.

Run the numbers

• Three inputs: target income, monthly contribution and starting amount. Tap Calculate My Tree.
• Returns default to your risk profile: 5% conservative, 7% moderate, 9% aggressive. Advanced lets you override the rate and the horizon (default 50 years).
• You get your target principal, the year you hit FIRE, a growth chart, and a year-by-year table with monthly income and % to FIRE.

Set it and forget it

• Profile holds your FIRE goal, risk tolerance and monthly contribution.
• Funding frequency: None, Weekly or Monthly. Cash is credited as real time passes, like a standing order to your future self.
• Show passive income per year, month, week or day.
• Start fresh wipes everything and replants. There's no undo.