The portfolio tools institutions use, free for individuals
Professional investors use forward-looking capital market assumptions, mean-variance optimization, and Monte Carlo simulation to build portfolios. Now you can too, without paying for expensive software or hiring an advisor.
What you can do
Optimize Your Portfolio
Find the best asset mix for your risk tolerance using 5 different methods
Test Your Retirement Plan
Run 10,000 simulations to see if your savings will last
Size Your Bitcoin Position
Data-driven answer to 'how much Bitcoin should I hold?'
Backtest With Bitcoin
See how adding Bitcoin would have affected your portfolio since 2015
DCA Calculator
What would dollar-cost averaging into Bitcoin have returned?
Global Valuations
Which stock markets are cheap or expensive right now?
Why forward-looking data matters
Most free tools optimize portfolios using historical returns. The problem: past performance is not predictive of future performance, especially when valuations and interest rates have changed dramatically.
Portfolio Lab uses J.P. Morgan's 2026 Long-Term Capital Market Assumptions. These are the same forward-looking return estimates used by pension funds, endowments, and sovereign wealth funds managing trillions. They factor in current valuations, rate expectations, and economic conditions instead of simply extrapolating from history.
You do not need to be an expert
Each tool explains what it does and why in plain language. You choose your assets, set your constraints, and the platform does the quantitative work. If you want to go deeper, the full methodology is documented.
Your data stays on your device
Every calculation runs in your browser. Nothing is sent to a server. Your portfolio, your allocations, your retirement projections stay on your machine. No account required for most tools.
Start with the optimizer
Pick your assets. Choose a method. See the optimal portfolio in seconds.
Try it free