Build your portfolio on real math.

A tracker shows what you already own. Finki computes what each holding does to the rest — how it correlates with your other positions, how much risk it contributes, and what return its weight implies. Same holdings, a different question: not what they are worth today, but how they behave together.

A written rulebook for your portfolio: target weights, the bounds you let them drift inside, and what you do when they breach. Finki builds one from your holdings through a six-step flow — your assets, correlations, pick strategy, allocation, backtest, then review and accept. The final weights can be exported as CSV.

They are backed out of your own holdings, not forecast by us. Finki takes an equal-weighted portfolio of what you hold, measures each asset's volatility and its correlation with the rest, and solves for the return that would justify that weight — reverse optimization, in the Black-Litterman tradition. The numbers describe what your allocation already implies. They are not Finki's opinion on any asset.

No. The default path is short: add your holdings, see the outlook, get an allocation. The full six-step flow sits underneath it, and every intermediate step — correlations, implied returns, backtest — can be opened if you want to pull the thread. The rigour runs either way; it just is not homework unless you ask for it.

Equities, ETFs, bonds with real coupon and ISIN maths, P2P loan books, and private holdings you cannot get a ticker for. Multi-currency throughout. Bonds and P2P are the ones retail tools usually cannot represent at all, which is exactly why they are here — a loan book or a private stake changes your risk picture whether or not your tracker can see it.

No, and the product is built so it cannot drift into it. Finki only ever reasons about assets you added yourself — it will not suggest an instrument you did not bring, because the moment a tool proposes what to buy it is doing something different from analysis. Every figure is a calculation from your inputs and assumptions, shown as such, and it is informational only.

Yes. You can keep several side by side — a long-term portfolio, a pension, a spouse's, a hypothetical you are testing — and see them as separate mini-portfolios or as one combined picture. Each is private to your account, and a hypothetical portfolio behaves exactly like a real one, so you can model a change before committing to it.

There is a free tier that runs the real analysis rather than a teaser of it, capped on how many holdings you can hold in it. Broker import is deliberately part of the free path, not locked behind a wall. Paid tiers exist but the prices are not published yet — when they are, they will be on this page rather than discovered at checkout.