Holdings

Buy it once. Run it yourself.

Small, private tools that run entirely on your machine.

These are single-file tools you download and own. They run entirely in your browser with no account, no subscription, and no internet, so the numbers you enter stay on your machine. Every one is deterministic: the same inputs always produce the same result, and the methodology is documented inside the tool.

See the tools How your data is handled

Why owned

We believe most software makes you a tenant to their services. You log in, you pay every month, your data sits on someone else's server, and the day you stop paying you have nothing.

Holdings inverts that. You own the file, it runs on your machine, and it answers only to you, with the utmost privacy.

The tools

Owned tool

Rental Value Analyzer

Grade a rental in ten seconds, on your own machine.

Enter a property's numbers and get cash flow, cap rate, cash-on-cash, DSCR, a full year-by-year projection, and a deterministic A-through-F grade. It runs in your browser with no account and no internet, so the deal never leaves your computer.

Deterministic five-factor grade with reasoning
Cash flow, cap rate, cash-on-cash, DSCR, GRM, break-even
Year-by-year projection with IRR and equity multiple
Printable branded report and CSV
Methodology anchored to published benchmarks including Census vacancy data

$49one-time, owned

Buy $49

Owned tool

Financial Decision Calculators

Four money decisions, worked out privately.

Debt payoff, mortgage and loan amortization, buy versus rent, and a savings projection, in one file. Type in your real numbers, including the ones you would never paste into a website, and every calculation runs locally.

Avalanche vs snowball debt payoff with real interest and months saved
Full amortization with extra-payment impact
A fair buy-versus-rent model that invests what each side saves
A savings projection with goal solver and inflation view
Printable reports and CSV on every tab

$39one-time, owned

Buy $39

Owned tool

Portfolio Allocation Analyzer

Your allocation and concentration, without handing them to a website.

Enter your holdings and get allocation by asset class, concentration metrics including the HHI and your effective number of holdings, and the exact buy and sell amounts to reach your target. No prices are fetched and nothing is transmitted.

Allocation breakdown by class with a clear visual
Concentration read built on the Herfindahl-Hirschman Index
A rebalance table showing drift and dollar moves to your target
Printable report and CSV
No price feeds or network calls

$39one-time, owned

Buy $39

Owned bundle

Complete Financial Bundle

The first three financial tools, owned together.

Rental Value Analyzer, Financial Decision Calculators, and Portfolio Allocation Analyzer in one purchase. The same three files, the same ownership, one checkout.

$127$89one-time, owned

Buy the bundle $89

Owned · one-time Runs offline Nothing leaves your device

How ownership works

Checkout runs through Stripe. Right after, you download your tool on the confirmation page and it's yours to keep, on as many of your own devices as you want. No login, no expiry.

Your copy is licensed to you for your own use. Reselling, redistributing, or publishing the file isn't permitted under the Holdings license.

Pick your tool

Holdings tools are deterministic analysis tools, not investment, financial, or legal advice. Each produces results from the figures you enter; the decisions and responsibility for them remain yours.

Full detail in the Holdings Product Terms and the Privacy Policy.