Do I need an account to use them?

No. Every tool produces its complete result anonymously. An account is only offered afterwards, and nothing is hidden behind it.

Where does the market data come from?

From daily price history for five asset classes, prepared into a derived dataset. The tools publish computed results and normalised chart series only — never the raw source data.

Are the results generated by an AI?

No. Every figure and every sentence of the result comes from a formula or a rule written in code, so the same inputs always produce the same answer.

Why is an asset sometimes unavailable for a crisis?

Because its usable history does not cover that period. Bitcoin's history in this dataset starts in 2019, so it is offered only for later events. We disable the scenario and say why, rather than filling the gap.

Can I share a scenario?

Yes. Every tool encodes your inputs in the page address, so a copied link reopens the same scenario. Only the values you chose travel in it.

Witan Tools

Five tools to test your own assumptions

Set your own numbers, see what follows, and understand the mechanism behind the result. Free, no account, and every figure computed the same way every time.

Three things these tools do

Calculate

Turn a goal or a fee into the number that actually matters: what it takes each month, and what it costs over a lifetime.

Explore real history

Put an allocation through crises that really happened, on the data that recorded them — never on a simulated market.

Understand trade-offs

See what an addition changed: what got calmer, what got shallower, and what it cost. Nothing here tells you what to buy.

The tools

Instant

How much do I need to invest each month?

Turn a goal and a horizon into the monthly figure that reaches it, and see how much of it time does for you.

Open this tool

Instant

What is one percent really costing you?

Compare fee levels over a lifetime and see the part almost nobody counts: the growth the deductions never earned.

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Real market history

What would have happened to my portfolio?

Put an allocation through a crisis that really happened. The fall, the time to the low, and whether it came back.

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Real market history

What changes if I add a diversifier?

Move one asset into a portfolio of US equities and read the trade-off: return, volatility and worst fall, all three.

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Real market history

How long is long term?

Every rolling window in the history we have, by holding period, so you can see the spread narrow instead of being told it does.

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How these tools work

Two of them are pure arithmetic and run in your browser. Three read a derived dataset built from daily market history: they return the figures for the scenario you asked for, never the underlying series. Each result shows the exact period it used, the proxy standing in for each asset, and any gap in coverage. No result is ever completed with invented history.

What these tools are not

Educational tools. They describe mechanisms and past behaviour; they do not forecast, and they never recommend an investment. Past performance says nothing about future returns.

Questions

Do I need an account to use them?: No. Every tool produces its complete result anonymously. An account is only offered afterwards, and nothing is hidden behind it.
Where does the market data come from?: From daily price history for five asset classes, prepared into a derived dataset. The tools publish computed results and normalised chart series only — never the raw source data.
Are the results generated by an AI?: No. Every figure and every sentence of the result comes from a formula or a rule written in code, so the same inputs always produce the same answer.
Why is an asset sometimes unavailable for a crisis?: Because its usable history does not cover that period. Bitcoin's history in this dataset starts in 2019, so it is offered only for later events. We disable the scenario and say why, rather than filling the gap.
Can I share a scenario?: Yes. Every tool encodes your inputs in the page address, so a copied link reopens the same scenario. Only the values you chose travel in it.