About Fortfolio

Fortfolio is a portfolio stress-testing tool for retail investors. You enter the tickers and weights you actually hold, and within seconds you can see how that exact mix would have performed across ten of the most consequential market crises of the last fifty years — the 1973 oil shock, Black Monday, the dot-com bust, the 2008 Global Financial Crisis, the 2020 COVID crash, the 2022 rate-hike drawdown, and seven others.

We built Fortfolio because the question every retail investor secretly asks — how badly could this hurt? — is the one the industry is least equipped to answer in plain terms. Bloomberg Terminal answers it. So does Morningstar Portfolio X-Ray. Both cost thousands of dollars a year, both demand professional credentials, and neither was designed for someone managing their own retirement account on a Sunday afternoon.

Why we exist

The retail-investing tooling gap is wider than it looks. Brokerages show you returns. Robo-advisors show you a glide path. Neither shows you what would have happened to your specific portfolio in March 2020, October 1987 or November 2008. That gap matters because risk tolerance is not something you can introspect — it is something you discover the first time your account is down 38% on a Tuesday afternoon. We would rather you discover it from a chart on this page than from your statement six months from retirement.

We also exist because the existing answer set is gated. Simply Wall Street puts almost everything behind a signup wall. Morningstar paywalls the X-Ray tool. Portfolio Visualizer is free but reads like a SourceForge artifact from 2010. There is room for a tool that is fast, attractive, free to try without an account, and honest about its limits. That is the slot we are trying to fill.

What we are

Fortfolio is a small project — not a venture-backed fintech, not a registered investment adviser, not a brokerage. We are an educational tool. We do not place trades, we do not custody assets, we do not make recommendations. What we do is run the math: weighted returns, weighted max drawdown, Sharpe and Sortino ratios computed against a 2% risk-free rate, Monte Carlo block-bootstrap simulations, and historical backtests against ten pre-seeded crisis windows.

All ticker price data comes from public-market sources (primarily yfinance and EODHD for Indian-market coverage). We pre-compute and cache the ten crisis-window returns so that running a stress test is a pure database read — no API call, no waiting, no rate-limited shrugs. The trade-off is that our universe is bounded by what we have seeded: roughly 200 of the most common US tickers, plus expanding Indian-market coverage. If we are missing a ticker you care about, tell us — we add them in batches.

What we are not

We are not a substitute for a financial adviser. Past performance does not guarantee future results. Historical stress tests are subject to look-ahead and survivorship bias — the tickers that exist today are disproportionately the ones that survived, and the worst crises of the past may not resemble the next one. Treat every number on this site as a characterisation of history, not a prediction of the future. The full language is on the Disclaimer page.

Who we serve

The investor we most have in mind is in their 40s or 50s, has built a portfolio across a brokerage account and a retirement account, has watched it go up and down, and has never had a way to put a number on the downside. We serve them by showing the downside in concrete terms — not as a probability cone, but as ten specific historical episodes any of which could happen again.

We also serve the early-career investor (Vikram) who wants to see what a crash looks like before they live through one; the retiree (Krishnamurthy) who wants to know whether their corpus would have survived the 2008 sequence into withdrawal; and the NRI (Preethi) holding US and Indian assets in parallel who needs both markets in one place. The tool is the same; the framing on each page is meant to be plain enough for any of them.

The team

Fortfolio is built by a small founding team with backgrounds in fintech data, retail investing, and product design. We are intentionally lean: one $12 a month DigitalOcean Droplet runs the entire stack. We have no AUM, no commissions, no referral kickbacks — the product is the product. Paid tiers cover server costs and editorial work; the free tier covers everything an individual retail investor actually needs.

Contact

General questions: hello@fortfolio.app. Bugs and feedback: support@fortfolio.app. Press: press kit. Everything else: the contact page.