One future is a guess. A thousand is a range.
A single projection line hides the truth: markets don't move in straight lines. Monte Carlo runs your plan through 1,000 simulated futures so you see the realistic spread — not just the hopeful average.
- Pessimistic, median, optimistic — 10th to 90th percentile bands.
- Goal odds — the share of paths that reach your target.
- Inflation adjustment — results in today's purchasing power.
Rehearse the crash before it happens.
The dashed line is your plan. The solid line is your plan hit by 2008. Watching them reconverge teaches the one lesson panic never does: what a drawdown actually costs — and how recovery works.
- Historical presets — 2008 GFC, COVID-19, Dot-com bust.
- Custom crashes — set depth (10–80%), recovery speed, and the year it hits.
- Recovery math — time to recover, end-value impact, what buying the dip did.
One score for risk. One grid for the truth.
The risk score compresses volatility, diversification and worst-case downside into a single 0–100 number. The correlation matrix shows where your "diversification" is five tickers moving as one.
- 0–100 risk score — know your risk before the market tests it.
- Correlation matrix — which holdings actually move together.
- Concentration flags — sector gaps and single-stock dependence.
Sharpe, Beta, volatility — without the textbook.
Every metric comes with a one-sentence explanation of what it means for your portfolio, and the rebalancing analyser shows how far your weights have drifted from plan.
- Risk-adjusted returns — per holding and portfolio-wide.
- Rebalancing drift — actual vs target, with exact trades to fix it.
- Plain-English tooltips — every number explained in one sentence.
The full suite, on every saved portfolio.
S&P 500 benchmark
Every chart shows how the index would have done with the same money — so you know if your picks are worth it.
Goal tracker
Set a target — see which year you reach it and what monthly amount gets you there.
Dividend engine
DRIP or cash income, applied with real payout data — the difference compounds for decades.
Milestones
Year-by-year checkpoints — nominal and inflation-adjusted — so progress is concrete, not abstract.
Portfolio analytics, answered.
Which analytics are free and which are Pro?
The free tier includes projections on real price history, dividend tracking and the S&P 500 benchmark. The full analytics suite — Monte Carlo simulation, the 0–100 risk score, Sharpe, Beta, volatility, the correlation matrix, rebalancing drift, the dividend calendar and the market crash simulation — is part of Pro, along with the AI tools and PDF/CSV export.
What is Monte Carlo simulation?
Instead of drawing one projection line, Monte Carlo runs your portfolio through 1,000 simulated market futures based on historical behaviour. The result is a realistic range — pessimistic, median and optimistic outcomes — plus the share of scenarios in which you reach your goal.
What does the risk score measure?
It compresses three things into one 0–100 number: how volatile your portfolio is, how diversified it really is (using correlations, not just the count of tickers), and how deep its worst-case drawdown looks based on history. Lower means calmer; higher means a wilder ride.
How does the crash simulation work?
Pick a historical preset — 2008, COVID, or the Dot-com bust — or build a custom crash with your own depth, recovery speed and timing. The simulation applies it to your projection so you can see the drawdown, the recovery period, and the effect on your end value.
How accurate are the projections?
They're grounded in 50+ years of real price history rather than made-up average returns — but no projection can predict the future. That's exactly why the suite leans on ranges, crash tests and worst-case views instead of a single optimistic line. All output is educational, not investment advice.
Do I need to connect a broker?
No. Build a portfolio manually in about two minutes — the analytics run on any saved portfolio, whether it's money you own or a plan you're testing.
Stop guessing. Start measuring.
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