About Owen
I built the tools I wished I had found earlier.
I am Owen, and I am based in London. I started investing around 2019, with no background in finance and no one close to me to ask. There was just a growing sense that leaving money in a current account was a slow way to go backwards, and that I ought to be doing something about it.
I made most of the mistakes you can make as a beginner. I picked individual stocks because they felt exciting. I tried to time the market, buying when I felt confident and hesitating when I did not. I acted on tips from colleagues and friends, on the quiet assumption that they knew more than I did. I also lived through a sharp market fall and the recovery that followed, which taught me more about my own temperament than any article could.
What changed was not a windfall or a lucky pick. It was turning the noise down. I stopped reacting to headlines and forecasts, and started to read and work things out for myself. From that came a clear set of principles I invest by, and a portfolio built on a method I can actually explain rather than on guesswork.
Why I built this
Your Wealth Calculator is what I wanted when I was starting out. Not a tool that tells you what to do, but one that helps you understand the numbers well enough to decide for yourself. The calculators are built around the answers I found myself searching for: whether salary sacrifice was worth the hit to take-home pay, whether to overpay the mortgage or invest instead, how to weigh an ISA against a pension when you are trying to use both. They show their working, because the assumption behind a calculation is often half the answer.
Who this site is for
If you already work in finance, this site will feel straightforward, and that is deliberate. It is built for people working this out alone; capable and motivated, but never given the fundamentals in plain language. Financial freedom is not reserved for those who started early or earned a fortune. It is open to anyone willing to be patient and consistent, which is what I am building toward for my own family.
How the tools are built
Because this is a site about money, I try to be open about where the numbers come from. The calculators use UK tax rules and thresholds taken from official sources including GOV.UK and HMRC, checked against those sources for the current tax year. The methodology page sets out, calculator by calculator, what each one includes, what it leaves out, and where it simplifies. If a figure ever looks wrong to you, the contact page is there, and corrections are taken seriously.
A note on what this is not
I am not a financial adviser, and nothing here is personal financial advice. The tools are for planning and comparison, not recommendations, and they cannot account for your full circumstances. Where a result depends on UK tax rules, the page says so.
The aim, underneath all of it, is a simple one: financial freedom through independent knowledge and clear thinking.