EconCERF

Tools

Run the numbers yourself

The calculators and instruments from across the academy, in one place. The first shelf runs on the same planning assumptions your own plan is built from. The middle shelf is here to show you how something works, and says so on every card. Nothing here is a recommendation, and nothing here knows what you own.

Calculators

These run on the same planning assumptions your own plan is built from. Put your own figures in and the answer is one the platform stands behind.

Play with a planMove the amount, the years, the risk band and the return, and watch the outcome move with them. The same engine a real plan runs on. Nothing is saved.Runs on the platform’s own assumptionsWhat a fee costs youSlide a yearly fee across an example saver and watch what it quietly takes out over ten, twenty, thirty and forty years.Runs on the platform’s own assumptionsWhat waiting costs youYour own monthly amount, your own runway, your own delay. The cost is split honestly into lost time and the calmer mix a shorter runway forces.Runs on the platform’s own assumptions

Learning Labs

Hands-on instruments that show you how something works. Move the controls and watch the mechanism answer.

Illustrative only. The figures in these labs are invented to make a mechanism visible, and they are not suitable for evaluating your own investments or any fund you hold. Use the calculators above for anything about your own money.

These 8 labs open with a free account.

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Why a bond’s price movesMove the going rate and watch a fixed promise become the generous deal or the mean one, with the reason in words.Illustrative · not for evaluating your own holdingsFrom I9How far a bond fund fallsPick a duration and a move in market yields. See the rough price change it implies, and why it is only rough.Illustrative · not for evaluating your own holdingsFrom I9How long it takes to come backMarket yields rise once. See how long the fund’s income takes to equal the fall. Three durations on one scale, so you can compare them.Illustrative · not for evaluating your own holdingsFrom I10The four income figuresA bond fund’s page can show four income figures. Tap each one to see what it measures.Illustrative · not for evaluating your own holdingsFrom I10Price return or total returnScore two funds by price alone, then by price plus payouts, and watch the better fund change.Illustrative · not for evaluating your own holdingsFrom F2Where a dividend comes fromPress pay, and watch the money move from one of your pockets to the other rather than appear from nowhere.Illustrative · not for evaluating your own holdingsFrom X2Build a yield curveShape the line yourself, and be told what shape you just made and what it is usually taken to mean.Illustrative · not for evaluating your own holdingsFrom A10What moves the curveMove the short end, the long end, or the price of patience, and watch which part of the line answers.Illustrative · not for evaluating your own holdingsFrom A10

Check our work

The platform’s own governance, open to read: the bar every fund had to clear, how one gets chosen, and what is actually held.

These 3 tools open with a free account.

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The rules every fund must passCost ceilings, size floors, minimum history and the structures that are never eligible, for the version of the standard in service today.Based on the platform’s published rulesHow one fund is chosen from similar onesThe tie-break ladder in order, with no discretion anywhere in it, ending in a rule that always resolves.Based on the platform’s published rulesCompare funds side by sideOpen an asset class and compare its funds on cost and exposure, over identical dates, never ranked by return.Based on the platform’s published rules

Educational content only, not investment advice. The calculators use the platform’s governed planning assumptions and are illustrations of how money behaves, never a forecast of what any particular investment will do.