AI-powered risk analysis that runs entirely in your browser. Enter your allocation — get your risk level, volatility estimate, and rebalancing guidance in seconds.
The Business Risk Management Toolkit gives you printable frameworks, risk registers, and decision checklists used by professional risk managers — structured to work for any business size. Instant PDF download.
Analyse your portfolio risk using AI running entirely on your device. Combine multiple brokerage accounts, track changes over time, and receive rebalancing guidance — all without sharing a single byte of data.
Enter your allocations below. The AI models analyse your mix locally and save results for trend tracking.
Enter dollar values per account. Percentages are calculated automatically.
| Portfolio | Stocks | Bonds | ETFs | Risk Level | Score | Est. Volatility |
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Exactly how this tool calculates your risk score and what its limitations are.
A lightweight sequential neural network runs entirely in your browser:
Output thresholds: Low <40% · Medium 40–70% · High >70%
Annual volatility is weighted by your allocation using long-run historical ranges: Stocks 15–20%/yr · Bonds 3–5%/yr · ETFs 10–15%/yr.
A second network (brain.js) trains on your saved history. After at least 1 save it provides personalised rebalancing alerts tailored to your pattern.
All computation runs in your browser. No portfolio data, allocations, or dollar amounts are ever sent to any server.
Saved portfolios are stored under portfolios in your browser’s localStorage. Use “Clear Data” to permanently remove them.
Google Analytics (anonymised page views) and Google AdSense run on this site. Neither receives your portfolio data. See our Privacy Policy.
Each goal maps to a target allocation. The rebalancing panel flags deltas >5% and suggests specific actions:
General guidance for building a smarter portfolio. Always consult a financial adviser for personalised advice.
A 60% stocks / 40% bonds allocation is a classic moderate-risk strategy. Spreading across asset classes reduces exposure to any single market. Learn more at Vanguard →
Low-cost ETFs tracking broad markets like the S&P 500 give instant diversification at minimal fees. Look for expense ratios below 0.20%. ETF guide at Morningstar →
Review your portfolio quarterly. Markets shift and allocations drift — regular reviews ensure your mix still matches your goals and tolerance.
Stocks typically swing 15–20% per year; bonds 3–5%. Knowing your expected range helps set realistic expectations and prevents panic selling. Volatility explained →
Every 6–12 months, rebalance back to your target allocation. Drift happens when one asset outperforms — rebalancing locks in gains and restores your risk level.
Before investing aggressively, hold 3–6 months of living expenses in cash or low-risk bonds. This prevents forced selling during market downturns.
14 guides covering risk scores, asset allocation, rebalancing, life stage investing, and 2026 market trends.
Use on-device AI to estimate your portfolio risk level based on stock, bond, and ETF allocations. Updated for 2026 with post-rate-cycle allocation thinking and new volatility benchmarks.
Read full articleTen proven approaches to managing portfolio risk — from diversification and stop-loss discipline to dynamic rebalancing and defensive allocation shifts as monetary policy normalises.
Read full articleAI-driven portfolio tools go mainstream, ETF flows hit record highs, and private credit enters retail allocation. What the defining trends of 2026 mean for individual investors.
Read full articleUnderstand what low, medium, and high risk scores mean, how to benchmark your score by age and goal, and when your number signals action is needed.
Read full articleBond allocation by age explained for 2026 — from your 20s through retirement, and how normalised interest rates have changed the calculation.
Read full articleAfter its worst year in decades in 2022, the 60/40 has quietly recovered. An honest assessment of when it still makes sense — and when it does not.
Read full articleA clear comparison of ETF versus individual stock risk in 2026, covering volatility differences, concentration risk, and when each makes sense for your portfolio.
Read full articleA complete guide to rebalancing in 2026 — when to do it, how to calculate drift, which accounts to rebalance first, and how to minimise tax impact.
Read full articleHow your portfolio should change from your 20s through retirement — appropriate risk levels, allocations, and rebalancing priorities at every life stage.
Read full articlePortfolio volatility explained without jargon. What it means, how it is measured, and how to use volatility ranges to make better investment decisions in practice.
Read full articleThe case for building an emergency fund before investing aggressively — how much you need, where to keep it, and how it affects your optimal investment risk level.
Read full articleWhy the order of investment returns matters as much as the average return — and how to protect your retirement portfolio from the most underappreciated risk in finance.
Read full articleWhat portfolio benchmarks are, which ones matter, and how to use benchmark comparison data to evaluate and improve your investment allocation in 2026.
Read full articleInvestment Risk Predictor vs Personal Capital vs Portfolio Visualizer vs broker dashboards. An honest comparison of every meaningful free portfolio risk tool available in 2026.
Read full articleAdd to your home screen for offline portfolio risk checks — no app store required.
To install on iOS: tap the Share button, then “Add to Home Screen.”