Without Watchtower
A rough sense of last month. A broker app that shows value but not returns. A savings number you think you're hitting. No clean answer.
For full-time employees who invest on the side
Is your financial strategy actually working?
See whether you're hitting your savings target — and whether your investments are earning their keep.
- Did I save what I planned this month?
- What's my real annualised return?
- Am I beating a simple index fund?
The gap most people have
You have a financial strategy. Do you know if it's working?
Most people who invest seriously — ETFs after work, a HISA, maybe some stocks — have the answer scattered across four apps and a mental model that hasn't been stress-tested in months. The savings target lives in their head. The portfolio performance lives in their broker. Nothing connects them.
With Watchtower
One screen: did you hit your savings target this month, and is your portfolio keeping pace with the market. Both questions answered, nothing to maintain.
How it works
Three inputs. Two answers.
Step 1
Set your savings target
Tell Watchtower what you expect to save each month. That number becomes your baseline.
Step 2
Add your investments
Enter your ETF holdings, savings rate, and any individual stocks. Takes a few minutes.
Step 3
Get your answer
One screen: savings result vs. target this month, and portfolio return vs. benchmark. No arithmetic required.
Two questions, one place
The numbers that actually answer it
Savings execution and investment performance — the two things that determine whether your financial strategy is working — in one view.
Savings result
Did this month net out to your savings target? Not categories — just the one number that tells you if you're on track.
Savings trend
See whether you're consistently hitting your target or drifting. The pattern matters more than any single month.
Annualised return
Your real return, corrected for time in the market. Not total profit — the number that makes strategies comparable.
Benchmark comparison
How your portfolio tracks against VAS or the S&P 500. The honest answer to whether the effort is justified.
On the roadmap
More signal coming
We show you what's happening — you decide what to do. The roadmap adds more context, less manual work.
Broker integrations
Automatic sync with Stake, IBKR, and others — so your holdings stay current without manual entry.
Weekly digest
A short summary each week: savings result, portfolio movement, and whether anything has shifted.
Extended benchmark library
Compare against ASX 200, S&P 500, MSCI World, or the specific index that matches what you're holding.
Savings trend over time
Track your savings rate across rolling 12 months — see whether you're getting better or drifting.
Know if your financial strategy is actually working.
No advice. No recommendations. Just a clear answer.