C ClearIQ PRIVATE BETA
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Private beta · built by one person

Personal portfolios deserve institutional forecasting.

ClearIQ turns a brokerage statement into a calibrated Monte Carlo projection. Honest ranges. Fewer fairy tales. A portfolio dashboard for the kind of investor who wants to see distributions, not single numbers.

Try the app → See what's inside
  • Free during private beta
  • No install — runs in your browser
  • CSV import for major brokers
  • Your data stays yours
C ClearIQ PROJECTION
137 220 kr
+18,2 % · 12 mnd
▱ Projection ▤ Transactions ▦ Portfolio

P50 median · Dec 2035

2,84M kr

90 % range

1,62M – 4,71M

First 1M crossed

May 2030

History P5 / P25 / P50 / P75 / P95 Sampled run
200 simulations μ 7,2 % · σ 15,4 % Example mock — not real data
No false precision
We show distributions, not single numbers.
Calibrated to your book
μ and σ derived from the holdings you actually own.

— The thesis

Retail investors get tools built for institutions or tools built for nobody.

The pension calculator on your bank's website draws a smooth curve climbing pleasantly to retirement at 7 % per year. It's a comforting picture. It's also a lie of omission.

Real markets don't compound smoothly. Real portfolios don't return the benchmark. Real people don't contribute on a fixed schedule. The gap between that curve and the path your money will actually take is the gap between a marketing slide and a Bloomberg terminal.

ClearIQ is an attempt to close some of that gap — Monte Carlo, drawdown analysis, allocation breakdowns, risk metrics — packaged as a browser app instead of a five-figure subscription.

— The product

Three surfaces. One calibrated model.

Every number on every screen draws from the same engine: your transactions feed your holdings; your holdings parameterise the projection; the projection feeds your decisions back into transactions. It is one loop, not three apps.

01 Forecasting

Projection

Monte Carlo projection that knows what's in your account.

  • 200 simulations per parameter change, in the browser
  • Calibrated μ & σ from your weighted holdings, not a generic 7 %
  • P5 / P25 / P50 / P75 / P95 bands — the only honest way to show range
  • Milestone probability: "P(1 M kr by 2030) = 71 %"
  • Roll-the-dice button to internalise the path-dependency of returns
PROJECTION2,84M kr P50
P95P75P50P25P5
P95 — best case4,71M
P50 — median2,84M
P5 — worst case1,62M
Total contributed1,20M
02 Source of truth

Transactions

A normalised ledger of everything you've bought, sold, and earned.

  • Multi-account: one ledger across all your brokers
  • FX-aware: every line settles to your base currency
  • Buy / Sell / Dividend / Fee / Split typed and color-coded
  • CSV import: auto-detects ~190 broker formats (Nordnet, DEGIRO, Schwab, Robinhood, Avanza, …)
  • Manual entry with date quick-picks and broker-account labels
TRANSACTIONS247 lines · 9,8M kr
2026-05-02DNB FundsStorebrand AMBUY+5 000
2026-04-28NordnetDNB Glob. IndeksBUY+10 000
2026-04-15EtoroNVIDIADIV+184
2026-04-02DNB StocksEquinorSELL−12 480
2026-03-29IBKRVWCE.DEBUY+8 200
2026-03-15NordnetKLP AksjeGlobalBUY+10 000
2026-03-01DNB FundsSR-BankFEE−42
03 Risk

Portfolio

A risk dashboard that doesn't condescend.

  • Sharpe, Sortino, Calmar, β against the benchmark you pick
  • Drawdown chart with peak-to-trough decline at daily resolution
  • Volatility realised and rolling, plus downside deviation
  • Allocation breakdowns by asset class, currency, sector, account
  • Correlation matrix across your top holdings — the chart your bank app doesn't show
PORTFOLIO RISK137 220 kr

Vol (σ)

15,4 %

Sharpe

0,18

Sortino

0,28

Max DD

−2,9 %

VaR 95 %

−10,0k

CVaR 95 %

−12,5k

Beta vs MSCI

0,72

HHI

1 485

By asset class

76 % Eq 13 % 8 % 3

— Methodology

An engine you can read, not a black box.

Below is how the projection actually works. If you want the deeper version, the code is the spec — every formula on the screen maps to a function in the source.

μ

Calibrated drift

We compute portfolio expected return as a weighted sum of holding-level μ i, where each μ i is a long-run geometric mean for the holding's asset class (US Tech, EM Equity, Fixed Income, …).

μp = Σ wi μi
σ

Calibrated volatility

σ comes from the holding covariance matrix Σ — not from "the stock market is 15 % volatile". A concentrated portfolio gets a higher σ. A balanced one gets a lower σ. The model knows the difference.

σp2 = wT Σ w
P

Geometric Brownian motion

Per-month log-returns are drawn from N(μ/12, σ/√12). 200 paths are simulated; quantiles are computed cross-sectionally. Contributions are added monthly at the start of the period.

Bt+1 = Bt(1 + rt) + c
τ

Tail-aware presentation

We refuse to show a single "expected" number. Every output is a distribution: P5 / P25 / P50 / P75 / P95. The product is designed to make users feel the variance they are taking on.

P(BT ≥ X) = ?

ClearIQ is not investment advice. It's a tool that helps you reason about uncertainty. Decisions are yours, full stop.

— Data & privacy

Your book stays your book.

Each user's transactions live under their own account in a Postgres database (Supabase). Row-level security means one user can never read another user's data. No tracking, no ads, no sale of any data to anyone.

Compute Browser-side · all projections run on your machine
Storage Supabase (Postgres) · Frankfurt region · EU-hosted
Access control Postgres RLS · users only see their own rows
Connectors CSV import for now · OAuth bank connectors are not built yet
Regulatory Not licensed for investment advice. Not a registered financial entity.
Business model Free during private beta. No paid tier exists yet.

— FAQ

Questions you'll probably have.

Don't see yours? Email maxigle@me.com — I'll reply.

Is ClearIQ a robo-advisor?

No. ClearIQ doesn't manage money, give advice, or rebalance portfolios. It's a forecasting and analytics tool — a personal dashboard — that helps you reason about your own investments. You make every decision; the tool just makes the picture more honest.

How is the projection different from my bank's pension calculator?

Three ways. (1) It uses your portfolio's μ and σ, not a generic 7 %. (2) It shows a distribution — P5 to P95 — not a single line. (3) You can sample individual paths, so you can feel volatility instead of just reading about it.

Why 200 simulations?

For terminal-value quantiles within a couple of percent at the 5th and 95th percentiles, 200 paths runs fast in-browser. More paths give tighter estimates but at diminishing returns; 200 is a pragmatic default that finishes in well under a second.

Is my data safe?

Your transactions are stored in a Postgres database with row-level security — meaning the database itself refuses to return rows that don't belong to you. The app communicates only through HTTPS. That said: this is a private beta built by one person, not a SOC 2-audited financial institution. Use accordingly.

What happens to my data if you stop maintaining ClearIQ?

You can export your transactions to JSON at any time from Settings. The data is yours; the format is documented.

Is this regulated?

No. ClearIQ is not licensed to give investment advice and doesn't claim to. It's a tool for personal use.

Who builds this?

One person — a Hult Data Analytics student building this as a personal project. Contact: maxigle@me.com.

Private beta · free for now

Stop guessing where your portfolio is heading.

Open the app, sign up with email, import a CSV from your broker, and see what the model thinks of your book. No commitment, no payment.

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