Measure, understand and try: free.
What runs overnight: paid.
Everything here serves three things: learn with your own numbers, try a trade before you make it, and understand your risks.
Every metric, the day-by-day reconstruction, the simulator (to change a position or to build a split), the lessons worked on your own portfolio, the broker import and the Monday email are free and stay free. What you pay for is what runs for you every night: prices that update themselves overnight, fetched with your own free data key, what changed since your last visit, and a larger copilot allowance.
Free
Free
No card. Nothing expires.
- 3 portfolios
- Prices updated when you press Update prices, 3 times a day
- “What changed since your last visit”
- 15 copilot messages in total
Not included: prices that update themselves overnight, “What changed since your last visit” and the larger copilot allowance. They are what the paid plans add.
Start freeSubscription
€14.99 / month
or €149.99 / year — two months free
- ∞ portfolios
- Update prices 20 times a day, and overnight for US-listed holdings with your own free key
- “What changed since your last visit”
- 200 copilot messages per month
Everything Free has, plus what runs for you every night: prices that update themselves overnight for US-listed holdings and “What changed since your last visit”. As many portfolios as you need, and 200 copilot messages a month.
Founder one-off
€299.99 once
Pay once. No renewal.
- ∞ portfolios
- Update prices 20 times a day, and overnight for US-listed holdings with your own free key
- “What changed since your last visit”
- 100 copilot messages per month
Permanent access to the engine, where serving you another year costs us nothing. The copilot is not like that — every answer spends tokens — so it carries a monthly allowance rather than a promise we would have to break.
On every plan
- Every measure and every chart
- Broker CSV and Excel import
- Monday email: your week, read out
Everything the engine computes is here, for as long as you like. What is limited is the number of portfolios, the copilot allowance and how prices are updated.
Where prices come from
Prices are daily closes. Press Update prices 3 times a day on Free and 20 on the paid plans; a press that finds nothing new does not count.
| Class | Where its price comes from | How often |
|---|---|---|
| Stocks | From Yahoo Finance when you press Update prices, on most exchanges. On the paid plans, US-listed holdings are also updated every night with your own free Alpaca key (IEX feed). | When you press Update prices, and every night on the paid plans if US-listed |
| Funds | The same as stocks: a listed fund is priced like a share, from Yahoo Finance when you press Update prices and, for US-listed funds on the paid plans, every night with your own key. | When you press Update prices, and every night on the paid plans if US-listed |
| Commodities | The same as stocks: a commodity product is a listed fund, ETC or trust, so it is priced like any other listed holding. | When you press Update prices, and every night on the paid plans if US-listed |
| Treasuries and TIPS | Estimated every night from the U.S. Treasury curve, on every plan, and again when you press Update prices. It is an estimate, not a dealer quote. | Every night on every plan, and again when you press Update prices |
| Crypto you hold | Only when you press Update prices, from Yahoo Finance, on every plan. The overnight update does not cover coins. | Only when you press Update prices |
Exchange rates come from Yahoo Finance too, every night and with each update. A rate is never carried forward more than 7 days, and the page says so when one is that old. Public pages never show any of these prices.
Why the limits are where they are
Short answers to what people ask before they choose a plan.
For anything — a figure that looks wrong, your data, a refund — write to support@sphinxrisk.com. Answers within two working days.
Why is almost everything free?
The metrics are arithmetic over data already on disk, so an extra portfolio or an extra calculation costs next to nothing to run — and charging for it would contradict the onboarding, which invites you to keep a real portfolio and a hypothetical one to compare against.
What do the paid plans pay for?
Two things that cost every day: keeping your prices current, a job that runs every night with your own free data key (so the licence is yours, not resold by us), and each copilot answer, which spends tokens on Anthropic's API. They are also the two things that make anyone open this again on a Thursday.
Is the Monday email free?
Yes, on every plan, and one click in any email turns it off. What the paid plans add is the nightly price update behind it, so the week it reads out is up to date.
Which assets can it measure?
Five kinds of holding: shares; funds, opened up to what is inside them; commodity products; Treasury notes, bonds and TIPS; and the 21 coins of a closed list. Each class has its own panel and counts in the same risk figure, on every plan. What each one covers, and what it does not, is set out on the About page.
Does it support crypto?
Yes, for what you already hold: 21 of the largest coins, 2 of them stablecoins, priced in dollars or euros and measured on weekdays, with the weekend counted on Monday. Nothing is bought, sold or held here, and the same plan limits apply.
Why is nothing unlimited?
Unlimited, on something with a real cost per use, is a promise that breaks itself the day somebody takes it seriously. The allowances are written down instead, and they are generous enough that normal use never meets them.
Why does the launch offer ask for no card?
A free period that charges you on day 91 works because people forget to cancel. This one ends the other way: if you do nothing, the account goes back to Free with everything you built still in it.
Is anything different from paying during the offer?
One thing: the copilot draws on a monthly budget shared by every account that is not paying, while paying customers have a reserve of their own, so in a busy month it can pause until the 1st. The calculations never do.