One portfolio view
Bring pensions, investments and ISAs into one picture (view only) so I can see the whole, not just each pot on its own.
Locktight · private trial
My money picture,
in one place.
Locktight is a private overview model I’m building for myself — pull pots together where data allows, watch for changes that matter, try illustrative scenarios, and flag questions worth a closer look. It helps me organise information. It does not tell anyone what to buy, sell or transfer.
12-month private trial · 1 August 2026 – 31 July 2027 · Not adviceOne clear view
Pensions, investments and ISAs together
12-month trial
My own finances, Aug 2026 – Jul 2027
Information only
Better questions — not financial advice
What Locktight is for
Like a lot of people, I have money spread around — workplace pensions, personal pensions, ISAs, brokerage and cash. Locktight’s job is to pull that together where providers and data access allow, so I can see balances, allocations and changes without logging into half a dozen places.
It’s an information model: a clearer picture and better questions. It won’t tell me — or anyone else — what to buy, sell or move.
Regular updates
Flag changes that matter — contribution pauses, big moves, allocation drift — rather than just showing balances.
Illustrative numbers
Try projected values with assumptions I set for contributions and timeframes. Illustrations only — not forecasts of returns.
Questions to raise
Highlight concentration, allocation, fee and performance questions worth raising with an adviser or provider.
How it’s meant to work
In practice: pull data in where I can, keep an up-to-date picture, watch for changes that matter, and use scenarios as illustrations — not promises — when I’m thinking about contributions, timelines or risk.
That includes spotting gaps: missed contributions, pots that have drifted from the mix I intended, fees stacking up, or too much weight in one holding or sector. The app raises the questions; any regulated professional I work with — and I — decide what to do next.
Testing with my own finances first
I’m using Locktight privately with my own pensions and investments. The formal 12-month trial runs from 1 August 2026 to 31 July 2027. Early on it’s already helped me see my pots more clearly, but I want a full year before deciding whether it stays private forever.
From 1 August 2026: pull data together, improve monitoring and test scenarios against what actually happens.
Through July 2027: gather enough history to judge accuracy, usefulness and limitations.
Only after that: decide whether it stays private, and in what form.
How it is powered
Like my other software, Locktight runs on Amazon Web Services (AWS) and Google Cloud — the same platforms behind Steadfast and Horizon.
Financial data is kept tightly controlled. This page doesn’t go into account connections, provider integrations or how the internals work.
Clear boundaries
The app organises information and helps me ask better questions. It doesn’t replace a regulated financial adviser, pension provider or tax professional, and it doesn’t place trades or move money.
This project isn’t available to clients. It is not financial advice and not an invitation to invest. Scenarios are illustrations based on assumptions, not guarantees. Investments can fall as well as rise. Pension, ISA and tax decisions depend on your own circumstances and the rules at the time — speak to a regulated professional where you need advice.