A cleaner, faster interface across the whole terminal — easier to read, nicer to work in, on desktop and mobile.
Future projections now come with upgraded Monte Carlo simulation — 1,000 paths and a realistic range around every forecast.
Stress-test against 2008, COVID, or the Dot-com bust — or build a custom crash with your own depth, timing, and recovery.
Built for investors who read their own numbers.
A professional analytics suite, a real-money portfolio tracker, and an AI helper that turns metrics into plain language. In one place, in your browser.
Professional-grade analytics
The same metrics professionals use — computed on real historical data and explained with easy language.
- Monte Carlo — 1,000 simulated futures
- Market crash simulation
- Sharpe, Beta, volatility & more
- Portfolio risk score
Real portfolio tracking
A full ledger of your actual money, holdings, and history.
- Transaction history
- Realized + unrealized P&L, time-weighted return
- Automatic monthly contributions
- Dividend calendar — DRIP or cash income
An AI analyst on call
AI reads your portfolio and explains in plain words what looks strong, what's risky, and what's worth a closer look.
- AI portfolio analysis in plain English
- AI builder — illustrative asset-class allocations
- Inbuilt — works on your saved portfolios directly
- Educational output — never financial advice
Nine modules. Professional tools.
Save a portfolio and the full suite unlocks on Pro — every chart benchmarked against the S&P 500, every metric grounded in real price history.
See how your portfolio would survive 2008, COVID, or the Dot-com bust — and how long it would take to recover. Or build your own crash: set the depth, the recovery speed, and the year it hits.
1,000 simulated futures for your portfolio. See the realistic range of outcomes — pessimistic, median, and optimistic & with inflation adjustment.
A simple 0–100 score that measures diversification, volatility, and worst-case downside — so you know your risk before the market tests it.
Institutional risk-adjusted metrics, computed per holding and for the whole portfolio — each one explained in one plain language.
Find out which holdings move together — and where your diversification is an illusion.
See how far your weights have drifted from target, and exactly what it takes to bring them back in line.
Reinvest dividends or take them as income. Either way they're factored in with real payout data, plus a calendar of what's coming.
Every chart shows how the S&P 500 would have done with the same money — so you always know if your picks are worth it.
Set a target — say $500,000 for retirement. See which year you most likely reach it and what monthly amount gets you there.
Your holdings, properly tracked.
Projections are only half the job. PortfolioCalc keeps a proper ledger of what you actually own — every lot, every transaction, every dividend — and turns it into performance you can trust.
- Multi-lot cost basis — buy the same stock five times, we track each lot.
- Realized & unrealized P&L with full transaction history.
- Time-weighted return — the honest measure of how you're doing.
- Automatic monthly contributions, logged for you on schedule.
- Dividend calendar — see what's paying, when, and how much.
- PDF reports & shareable links — ready for your advisor or your friends.
Inbuilt AI, on every portfolio.
Most tools hand you a wall of metrics. Ours reads them for you — and tells you what they mean for your plan, in words anyone can follow.
AI portfolio analyst
The AI reads your saved portfolio — weights, risk, correlations, drawdowns — and explains what looks strong, what's risky, and what's worth a closer look.
AI portfolio builder
Answer a few questions about your horizon and comfort with risk. The builder suggests an illustrative asset-class allocation — an educational starting point you fill with your own picks.
ⓘ AI outputs are educational and illustrative. PortfolioCalc does not provide investment advice or recommend specific securities.
Start free. Upgrade when you outgrow it.
The core portfolio builder and tracker are free forever. Pro unlocks the full analytics suite, AI tools, crash simulation and exports.
- 2 portfolios · 5 holdings each
- Full tracking: lots, transactions, TWR
- Projections on real price history
- Dividend tracking — DRIP or cash
- S&P 500 benchmark on every chart
- 10 portfolios · 100 holdings each
- Full analytics suite — Monte Carlo, risk score & more
- Market crash simulation — presets + custom
- AI portfolio analyst & AI builder
- Dividend calendar, PDF & CSV export
- Everything in Free
- Unlimited portfolios & holdings
- Everything in Pro
- Priority support & weekly email recap
- Coming soon: broker sync, tax reports, custom benchmarks & more
Your portfolio has numbers.
Start reading them.
Join hundreds of investors already on board. From zero to a full 30-year projection in under 2 minutes — free, on real market data.
Open PortfolioCalc free →