How to Use the Tools

Complete guides to help you master every tool. From beginners to intermediate investors.

22 Free Tools

Portfolio & Planning Tools 6 tools

Portfolio Tracker

Track real investments with live prices and performance metrics

Free

What This Tool Does

Track your actual investment holdings with real-time prices. See total portfolio value, daily changes, profit/loss, and allocation breakdown across all your assets.

Step-by-Step Guide

  1. Click "Add Holding" to add a new investment
  2. Enter the ticker symbol (e.g., AAPL, MSFT, BTC-USD)
  3. Enter number of shares/units you own
  4. Enter your average buy price per share
  5. Click Save — live price data loads automatically
  6. View your dashboard with total value, P&L, and allocation charts

Key Terms

Market Value — Current worth of holdings
Cost Basis — What you paid originally
P&L — Profit or Loss (gain/loss)
Allocation — % of portfolio per asset
💡 Tip: Your portfolio syncs across Risk Overview, Goal Tracker, and other tools automatically. Add holdings once and use everywhere.

Risk Overview

Analyze portfolio risk with diversification scores and volatility metrics

Free

What This Tool Does

Analyzes your portfolio and gives you a risk score (Low, Medium, High) based on volatility, diversification, and asset types. Shows best/worst case scenarios and helps you understand potential drawdowns.

Step-by-Step Guide

  1. First add holdings in Portfolio Tracker
  2. Open Risk Overview — reads your portfolio automatically
  3. View your risk score on the gauge (1-100 scale)
  4. Review the four factors: Volatility, Diversification, Concentration, Correlation
  5. Check "What Could Happen" for best/worst year projections
  6. Take the risk tolerance quiz to see if your portfolio matches your comfort level

Key Terms

Volatility — How much prices swing
Drawdown — Peak to trough decline
Diversification — Spread across assets
Concentration — % in single holding
💡 Tip: High risk isn't necessarily bad if you have a long time horizon (10+ years). It just means expect bigger swings.

Portfolio Simulator

Backtest and simulate portfolio performance over time

Free

What This Tool Does

Simulate how your portfolio might grow over 5, 10, 20, or 30 years. Compare against benchmarks like the S&P 500. See projected values based on historical average returns.

Step-by-Step Guide

  1. Select asset types and add to your simulated portfolio
  2. Enter amounts for each asset class
  3. Set expected returns (defaults use historical averages)
  4. Set monthly contributions to see compound growth
  5. Choose time horizon (5-30 years)
  6. Compare scenarios: Conservative vs Aggressive allocations
⚠️ Note: Simulations use historical averages. Actual returns vary and past performance doesn't guarantee future results.

Goal Tracker

Set financial goals and track progress with time-to-goal calculations

Free

What This Tool Does

Set specific financial goals (retirement, house down payment, emergency fund) and track your progress. See how long it will take based on your current savings rate and expected returns.

Step-by-Step Guide

  1. Click "Add Goal" and name your goal
  2. Enter target amount (e.g., $100,000 for retirement)
  3. Enter current savings toward this goal
  4. Set monthly contribution you can commit
  5. Set expected return rate (7% is a reasonable long-term average)
  6. See time to goal and adjust as needed

Financial Snapshot

Track complete financial picture: assets, liabilities, income, expenses

Free

What This Tool Does

Get a complete view of your financial health. Track all assets (cash, investments, property), liabilities (loans, credit cards), income streams, and expenses. Calculate your net worth and savings rate.

Key Sections

  • Assets: Cash, investments, property, vehicles, etc.
  • Liabilities: Mortgages, loans, credit card debt
  • Income: Salary, side income, dividends, rental
  • Expenses: Housing, food, transport, entertainment
  • Net Worth: Assets minus Liabilities

What If Simulator

Explore different scenarios with interactive sliders

Free

What This Tool Does

Ask "what if" questions about your finances. What if I saved $200 more per month? What if I got a 10% raise? What if inflation is higher? Use interactive sliders to see how changes affect your future.

Scenarios You Can Explore

  • Increase/decrease monthly savings
  • Change expected investment returns
  • Adjust inflation assumptions
  • Compare early retirement vs working longer
  • See impact of one-time investments

Utility & Reference Tools 6 tools

Compare Assets

Compare stocks, ETFs, crypto side by side

Free

What This Tool Does

Compare up to 4 assets side by side. See price performance, key metrics (P/E, dividend yield, market cap), and historical returns. Great for deciding between similar investments.

Step-by-Step Guide

  1. Enter first symbol in the search box
  2. Click "Add to Compare"
  3. Add more assets (up to 4)
  4. View side-by-side comparison of metrics
  5. Check the performance chart to see historical returns

Cash Flow Planner

Track income and expenses to find money to invest

Free

What This Tool Does

Track where your money goes each month. Add income sources and categorize expenses. See your net cash flow and find opportunities to increase savings and investments.

Step-by-Step Guide

  1. Add income sources (salary, side income, etc.)
  2. Add expenses by category (housing, food, transport)
  3. See net cash flow (income minus expenses)
  4. Review the breakdown chart
  5. Identify areas to cut and increase savings rate
💡 Tip: Aim for a 20%+ savings rate. If you can't reach that, focus on cutting discretionary spending first.

Watchlist

Track assets you're interested in with live prices

Free

What This Tool Does

Create a watchlist of stocks, ETFs, and crypto you're interested in. Track live prices and daily changes without owning them. Great for researching before buying.

Step-by-Step Guide

  1. Search for an asset by name or symbol
  2. Click the star icon to add to watchlist
  3. View your watchlist with live prices
  4. Click any asset for detailed view
  5. Remove by clicking the star again

Currency Converter

Convert between 30+ world currencies with live rates

Free

What This Tool Does

Convert amounts between major world currencies using live exchange rates. Supports USD, EUR, GBP, JPY, and 30+ other currencies. Great for international investments.

Step-by-Step Guide

  1. Enter amount to convert
  2. Select source currency (e.g., USD)
  3. Select target currency (e.g., EUR)
  4. See converted amount with live rate
  5. Click swap button to reverse conversion

Options Calculator

Calculate options pricing, Greeks, and profit/loss scenarios

Free

What This Tool Does

Calculate theoretical option prices using the Black-Scholes model. See all the Greeks (Delta, Gamma, Theta, Vega) and visualize profit/loss at expiration.

Key Terms

Call — Right to buy at strike
Put — Right to sell at strike
Strike — Exercise price
Premium — Option price
Delta — Price sensitivity
Theta — Time decay
⚠️ Note: Options are complex derivatives. Make sure you understand the risks before trading real options.

Calculator Suite

11 essential financial calculators in one place

Free

Included Calculators

  • Portfolio Growth: Project portfolio value over time
  • Net Salary: Calculate take-home pay after taxes
  • Compound Interest: See the power of compounding
  • Savings Goal: How much to save monthly for a goal
  • Inflation Adjuster: Future value in today's dollars
  • Retirement Estimate: How much you need to retire
  • Loan Payment: Monthly payment calculator
  • ROI Calculator: Return on investment
  • Net Worth: Assets minus liabilities
  • Emergency Fund: How much to save for emergencies
  • Debt Payoff: Time to pay off debt

Analysis Tools 10 tools

Asset Overview

Detailed analysis of stocks, crypto, ETFs, forex, and more

Free

What This Tool Does

Get comprehensive analysis for any asset. View price charts, key metrics (P/E, market cap, dividend yield), technical indicators (RSI, MACD), and fundamental data all in one place.

Asset Types Supported

  • Stocks: US, UK, Germany, Japan, and more
  • Cryptocurrency: Bitcoin, Ethereum, and 100+ coins
  • ETFs: Index funds, sector ETFs, bond ETFs
  • Forex: Major currency pairs
  • Indices: S&P 500, NASDAQ, DAX, etc.
  • Commodities: Gold, Silver, Oil

Key Metrics Explained

P/E Ratio — Price to earnings
Market Cap — Total company value
RSI — Overbought/oversold
52W High/Low — Yearly range

Market Screener

Filter stocks by market cap, P/E, dividend yield, sector, and more

Free

What This Tool Does

Find stocks that match your criteria. Filter by market cap, P/E ratio, dividend yield, sector, and more. Great for discovering investment opportunities you might have missed.

Available Filters

  • Market Cap: Large, Mid, Small, Micro cap
  • P/E Ratio: Undervalued, Fair, Growth
  • Dividend Yield: High yield, Growth, No dividend
  • Sector: Technology, Healthcare, Finance, etc.
  • Price Range: Under $10, $10-50, etc.
  • Performance: 52-week gainers/losers

Strategy Explorer

Compare 10 proven investment strategies with projected growth

Free

What This Tool Does

Explore and compare different investment strategies like Index Investing, Dividend Growth, Value Investing, and more. See historical performance, risk levels, and which strategy suits your goals.

Strategies Covered

  • Index Investing: Buy the whole market (S&P 500, Total Market)
  • Dividend Growth: Focus on dividend-paying stocks
  • 60/40 Portfolio: Classic stocks/bonds balance
  • All-Weather: Ray Dalio's diversified approach
  • Growth Investing: Focus on high-growth companies
  • Value Investing: Buy undervalued stocks
  • And more...

Whale Tracker

Track insider trading, institutional moves, and unusual volume

Free

What This Tool Does

Track what the "smart money" is doing. See insider buys/sells, congressional trading (US only), unusual volume spikes, and big institutional moves across 8 global markets.

Data Sections

  • Insider Trading: CEO/CFO buys and sells (Form 4)
  • Congressional Trading: US politicians' trades (STOCK Act)
  • Unusual Volume: Stocks with abnormal trading activity
  • Most Active: Highest volume stocks today
  • Big Movers: Largest price movements

Global Markets Supported

United States, United Kingdom, Germany, France, Japan, Hong Kong, Canada, Australia

💡 Tip: Insider buying is often more significant than selling. Insiders sell for many reasons, but they buy because they're confident in the stock.

Dividend Scanner

Find dividend-paying stocks with yield, history, and growth data

Free

What This Tool Does

Search 200+ dividend-paying stocks. Filter by yield, payout ratio, years of growth. Find Dividend Kings (50+ years) and Aristocrats (25+ years) for reliable income.

Key Terms

Dividend Yield — Annual dividend / price
Payout Ratio — % of earnings paid out
Dividend King — 50+ years of increases
Aristocrat — 25+ years of increases
💡 Tip: Very high yields (10%+) can be a red flag. The company might be in trouble. Look for sustainable yields in the 2-5% range with good payout ratios.

Gov. Bonds Scanner

Compare government bonds by yield, maturity, and credit rating

Free

What This Tool Does

Compare government bonds from 8+ countries. See current yields, credit ratings, and yield curves. Understand the "risk-free" rate for different time horizons.

Key Terms

Yield — Annual return if held to maturity
Maturity — Time until bond expires
Credit Rating — Risk of default (AAA = safest)
Yield Curve — Yields across maturities

Correlation Matrix

See how assets move together for better diversification

Free

What This Tool Does

Visualize how different assets move relative to each other. Correlation of +1 means they move together; -1 means opposite; 0 means no relationship. Essential for building a diversified portfolio.

Understanding Correlation

+0.7 to +1.0 — Move together (same direction)
+0.3 to +0.7 — Somewhat related
-0.3 to +0.3 — Little relationship
-1.0 to -0.3 — Move opposite
💡 Tip: For good diversification, look for assets with low or negative correlation. When one goes down, the other might go up.

Pattern Scanner

Detect chart patterns like head & shoulders, double tops, triangles

Free

What This Tool Does

Automatically scan stocks for technical chart patterns. Identifies head and shoulders, double tops/bottoms, triangles, flags, and more. Useful for technical analysis traders.

Patterns Detected

  • Head & Shoulders: Reversal pattern (bearish)
  • Double Top/Bottom: Reversal patterns
  • Triangles: Ascending, descending, symmetrical
  • Flags & Pennants: Continuation patterns
  • Wedges: Rising and falling wedges
  • Support/Resistance: Key price levels
⚠️ Note: Chart patterns are not guarantees. They indicate probabilities based on historical behavior.

News Aggregator

Latest financial news and market updates from top sources

Free

What This Tool Does

Stay informed with the latest financial news. Aggregates stories from major sources, filterable by category (markets, stocks, crypto, economy). Keep up with events that move markets.

News Categories

  • Markets: General market news and analysis
  • Stocks: Individual company news
  • Crypto: Bitcoin, Ethereum, DeFi news
  • Economy: Fed, GDP, employment reports
  • Earnings: Quarterly results and guidance

Economic Calendar

Track important economic events that move markets

Free

What This Tool Does

See upcoming economic events that can affect markets. Fed meetings, employment reports, GDP releases, earnings dates. Each event includes impact level and explanation.

Important Events

  • FOMC Meetings: Interest rate decisions
  • Employment Report: Jobs data (first Friday monthly)
  • CPI/Inflation: Consumer price index
  • GDP: Economic growth data
  • Earnings Season: Company quarterly reports

General Tips

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Sync Across Devices

Create a free account to sync your portfolio, watchlist, and settings across all your devices.

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Best on Desktop

For the best experience and full functionality, we recommend using Oikorion on a desktop or laptop computer.

🔗

Tools Work Together

Your portfolio syncs across Risk Overview, Goal Tracker, and other tools automatically.

Hover for Definitions

Financial terms have tooltips. Hover over underlined words for explanations.

📊

Historical Averages

Projections use historical data. Actual results will vary—past performance isn't a guarantee.

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Learn More

Check out our Basics, Glossary, and Financial Concepts pages.

Support

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