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wicked
fin lab

Decision Engine

Financial Allocation Optimizer

Given your finances, goals, and priorities — discover where your money should go.

1

You tell us your income, savings, debts, and goals

2

We score each allocation bucket (emergency fund, debt, mortgage, investments) using a multi-objective engine

3

We run three strategies — Safety First, Balanced, and Growth First — and compare their impact

4

We show you a recommended allocation with reasons, opportunity costs, and a resilience score

Personal Profile

Select a country to auto-fill typical defaults

How reliable is your income?

Essentials
€

How much money do you want to allocate?

Is this a one-time amount or monthly surplus?

€
€

Rent/mortgage payment, food, utilities, insurance, transport

€

Cash in bank accounts, money market, short-term deposits

Debts & Mortgage

High-Interest Debt (credit cards, consumer loans, BNPL)

€
%
€

How much you currently pay monthly toward this debt

Medium-Interest Debt (car loans, student debt)

€
%
€

Mortgage

€
%

Variable or resetting mortgages increase prepayment value

%

Some mortgages charge a fee for early repayment

Assets & Investments
€

Entertainment, dining out, subscriptions, hobbies

€

Stocks, ETFs, mutual funds in taxable accounts

€

Pension funds, retirement wrappers, employer plans

If your employer matches contributions, this is prioritized

€

Maximum your employer will match per year

Goals & Preferences

Affects how the allocation is weighted

months

How many months of expenses to keep as emergency reserve

€

Never recommend leaving you with less than this in liquid cash

Tax & Investment Assumptions
%

Expected annual return before tax — e.g. 7% for a diversified equity portfolio

%
%
%

Marginal tax rate saved by contributing to retirement wrappers

Important

This tool is for educational purposes only and does not constitute financial advice. Please consult a qualified professional.