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.
Built for people who invest after work
One target, one result
Set your monthly savings goal once. Watchtower tracks whether you hit it without any manual reconciliation.
No spreadsheet required
Enter your holdings manually to start. Watchtower handles the return calculation and benchmark comparison.
Check in, not maintain
No categories to update, no rules to manage. Open it, see the answer, close it.
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.
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.
Common questions
Isn't this just a portfolio tracker?
Portfolio trackers show your holdings. Watchtower tells you if your strategy is working — and whether you're saving enough to fund it.
I already use a spreadsheet.
So did we. But a spreadsheet doesn't compare your returns to a benchmark or tell you if you hit your savings target without manual work.
I don't want financial advice.
You won't get any. Just calculations and comparisons. What you do with them is your call.
Frequently asked questions
How long does setup take?Toggle answer
Most people add their first transactions and recurring bills in under five minutes.
Can I import my old transactions?Toggle answer
Yes. Upload a CSV and map your columns once, then continue tracking from there.
Do I need to track everything daily?Toggle answer
No. Weekly or every-few-days check-ins still give you clear month-level visibility.
Is this beginner-friendly?Toggle answer
Yes. The flow is intentionally simple so you can budget without finance jargon.
Know if your financial strategy is actually working.
No advice. No recommendations. Just a clear answer.