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Early beta — built by Maximillian. Email maxigle@me.com if anything breaks.
Stress-test your portfolio across thousands of market paths, calibrated to its actual volatility. See the full range of plausible outcomes, not a single guess at the future.
Today's value
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live
Median outcome
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half of simulations land above, half below
Avg yearly growth
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range across simulations
Chance of doubling
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growing to 2× today
Chance of losing money
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ending below where you started
Assumptions
Monthly contribution
Yearly contribution increasee.g. salary raises
Expected returnaverage growth per year
Risk levelhow bumpy the ride is
Horizon
Inflation view2,5 % default
Click "Roll" to run 5 000 fresh simulations — every roll regenerates the whole projection. The KPIs, histogram and bands above will all shift slightly, and a new sample path appears in gold on the chart.
This roll ends at — in — · best month — · worst month —
Trajectory
12 months history + projectionEach line is one possible future. The dark band is where most simulations land (50 % of them) — you'd be very lucky to end above the top edge or unlucky to end below the bottom.
Risk profile
across 5 000 simulated 10-year pathsMax drawdown · typical
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median peak-to-trough across paths
Max drawdown · worst 5 %
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deepest 1-in-20 drawdown
VaR · terminal
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5 % tail · — at 99 %
CVaR · terminal
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avg loss in worst 5 % · — at 99 %
Cornish-Fisher-adjusted GBM. Skewness and kurtosis calibrated from your actual portfolio history.
Year-by-year heatmap
2025–2035Your portfolio's value each month. Grey is what actually happened, green is the typical projected path. Year-end totals on the right.
Range of outcomes
distribution by —Reaching milestoneschance of crossing each level at any point
Set your own goal
how likely is your target?Median outcome—
If things go badly—
If things go well—
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How to read this: we run 5 000 simulations of how your portfolio could grow, each with realistic random ups and downs. The median outcome sits in the middle of all those futures — half of simulations end higher, half lower. It is not the most likely single value (a log-normal distribution doesn't have one); it's the 50/50 split point. Real view: turning on "Real" strips out inflation (2,5 %/year), so $1 in 2036 has the same buying power as $1 today. Chance of reaching goal: how many simulations actually reach your target by the chosen year. Caveats: simulations don't predict crashes or once-in-a-lifetime events — treat this as a planning tool, not a promise.
Stress scenarios
—Replay specific market regimes against your current portfolio. Each scenario uses historical per-asset-class drawdowns weighted to your actual holdings — not a generic % applied to the whole portfolio.
Historical regimes
click any to see the impact on your portfolioBuild a custom regime
define your own stress testHow it works: each historical regime stores empirical max-drawdown values per asset class (US equity, growth/tech, fixed income, commodity, crypto, cash). Your portfolio's impact is computed as the weighted sum of holdings × their asset class drawdown — so a defensive portfolio with 40 % bonds takes a smaller hit in 2008 than a 100 % tech portfolio. Caveats: regime data uses S&P 500, NASDAQ, Bloomberg Agg, and BTC as proxies; individual holdings inside an asset class may have diverged. Custom regime applies your own drawdown values uniformly — no recovery path modelled.
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Transactions
Total transactions
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since Jan 2024
Capital deployed
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net buys
Active accounts
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used
Last transaction
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days ago
Transaction activity
—Total invested
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net buys, all time
Average per active month
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across months with activity
Largest single month
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Investment cadence
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months with at least one buy
Yearly transaction heatmap
Figures in thousands (k)Cumulative invested
—By type
all transactionsBy account
capital deployedAccounts
Total accounts
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active
Capital deployed
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net buys across all accounts
Holdings
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unique positions
Largest account
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Accounts page: each card is a brokerage / custodian with its own holdings and capital flow. "Invested" sums net buys (Buy − Sell) and "Current value" prices today's positions at live or last-cached prices. Dividends and fees are tracked separately and don't move the Invested figure.
Welcome to ClearIQ
No transactions yet. Add your own portfolio or explore with sample data to see the dashboard in action.
Or drop a CSV from your broker in Settings → Import — auto-detects 190+ broker formats.
Portfolio value
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NOK · live
Volatility (σ)
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realised, ann.
Sharpe ratio
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vs — rf
Holdings
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live count
Risk Lens
Allocation & DrawdownHoldings allocation
Drawdown
Holdings
—Allocation breakdowns
By asset class
—By geography
—Risk metrics: computed from current weighted μ / σ (see KPIs above) with pairwise correlation 0,6 (stylised). VaR assumes normal distribution. Note: prototype — production version pulls real-time data via Plaid/Tink + Yahoo Finance API.
Allocation
By asset class
By geography
By sector
Top holdings
By currency
By account
Holdings · by market value
Each rectangle is one holding, sized by its current market value. Grouped by asset class (left → right, largest first).
Asset class derived from security metadata. Geography inferred from listing currency / fund domicile. Sector mapped from holding type — for individual stocks the sector follows the company industry classification.
Portfolio Performance
Since inception
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chain-linked return
Trailing 12 months
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ending current month
Max drawdown
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peak-to-trough
Positive months
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hit rate
Ann. vol
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monthly returns
Period results & risk profile
granular breakdownReturns by period
flow-adjustedRisk profile
annualisedValue vs net invested
Monthly returns
Drawdownpeak-to-trough underwater path
Rolling volatility6-month trailing σ, annualised
Flow attributioncapital vs market effect
Net invested
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capital deployed through the ledger
Market gain
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current value minus net invested
Average monthly flow
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mean contribution per observed month
Current drawdown
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distance from prior peak
Return tapelast 12 observed months
Performance page: månedlige returns estimeres fra rekonstruerte month-end holdings og justeres for nette cash flows fra transaksjons-ledgeren. Prototype caveat: historiske verdier prises fortsatt med dagens security-priser, så dette er et analytisk view av adferd og flow, ikke en bokført custodial track record.
Portfolio metrics
Key ratios
Alpha
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—return above benchmark expectation
Portfolio P/E
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—weighted P/E across equity holdings
Information ratio
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—excess return per tracking error
How your portfolio compares
Beta
How much your portfolio moves with the broad equity market. β = 1 tracks the market; > 1 amplifies, < 1 dampens.
Sharpe ratio
Total return earned per unit of total risk. Higher is better.
Sortino ratio
Return per unit of downside risk only — ignores upside volatility.
Calmar ratio
Annualised return divided by worst drawdown. Higher means better return per unit of crash risk.
Bull vs bear behaviour
how your portfolio responds when markets rise vs fallMarket capture
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Return characteristics
distribution, consistency & diversificationMonthly return distribution
—Win rate
monthlyCorrelation matrix
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Risk-return trade-off
where your portfolio sits in the feasible spaceRisk vs return
per holdingEach bubble = one holding. X-axis = volatility (σ). Y-axis = expected annual return (μ). Bubble size = portfolio weight.
Efficient frontier
stylised · 0,6 correlationBased on 5-year historical μ priors and a stylised 0,6 correlation between holdings. Pedagogical — not investment advice. The frontier is sensitive to small input changes and shifts as live prices update.
About these metrics: Volatility (σ) uses sample standard deviation (n−1) of monthly returns, annualised by √12. Sharpe = (annualised return − risk-free rate) ÷ σ, where the risk-free rate is the live 3-month T-bill yield (^IRX) — or the value you've set in Settings. Sortino divides by downside deviation (negative returns only). Calmar = annualised return ÷ |max drawdown|. Information ratio compares the portfolio against the currently selected live benchmark (SPY/QQQ/URTH/AGG/NORW/60-40), with tracking error as the σ of excess returns. Distribution is built from observed monthly returns reconstructed from the transaction ledger (Modified-Dietz approximation with end-of-period flows).
Portfolio report
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Values reconstructed from your transaction ledger and end-of-month portfolio snapshots. Dividends, taxes, commissions and cash positions are not yet modelled — those rows are placeholders until the ledger schema is extended.
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Price · last 12 months
your purchases markedPosition
Performance
Your transaction history —
0 symbols · prices update live
Add a symbol
| Ticker | Name | Asset class | Last price |
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Settings
Preferences
how the app looks & who you areDisplay
Affects all numerics in the appProfile
Your name on the dashboardData & APIs
live prices and currency conversionFX rates · NOK base
Source: Norges Bank · last sync —Live prices · Finnhub
Free key from finnhub.io · last sync —Import transactions · CSV
Auto-detects Nordnet, DEGIRO, Schwab, Robinhood, Avanza + 180 moreEngine & math
parameters driving risk & projectionRisk model
Inputs for Sharpe, Alpha, Beta & captureProjection
Monte Carlo simulation settingsBrokerage accounts
add, rename, or delete account namesManage accounts
Used as the "Account" dropdown when you add a transactionSystem
session data & app infoData & status
Live · sessionAbout ClearIQ
Version & data sourcesSettings: all changes take effect immediately across Projection, Transactions and Portfolio. FX rates affect amount conversion for non-NOK transactions. Risk-free rate feeds Sharpe, Alpha, and Information ratio. Reset to demo restores the seeded transaction ledger (same effect as the Demo toggle in the profile menu).
New transaction
Add cash
Cash is tracked as a Cash (USD) / Cash (NOK)-style holding per currency. It shows up in allocation, accounts, and the holdings list with asset class Cash.
Account
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Overview
Invested
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Current value
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P/L
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Holdings
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Transactions
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First activity
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Settings
Rename also updates every transaction that references this account.
Shows under the account name on the Accounts page.
Actions
Delete transaction?
Are you sure you want to delete this transaction? This action cannot be undone.
Rename
Enter a new name
Sign in to ClearIQ
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Account settings
Profile
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Security
Data
Download a copy of all your transactions and settings, or permanently delete your account.
Create your ClearIQ account
Save your portfolio in the cloud so it's there on every device.
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Import transactions from CSV
Drop a CSV here, or
Supports exports from Schwab, Fidelity, Nordnet, DNB Markets, Robinhood, eToro & any generic CSV.
Any of these columns work (case-insensitive):
Preview & column mapping
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First rows from your file:
These will be added to your existing transactions. You can edit or delete any of them afterwards.
Chart
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