What the free score checks
Flowvest asks for high-level allocation inputs only, then returns an instant Portfolio Health Score and optional email follow-up if you want the plan sent to you.
Step 1
What a no-account analysis can tell you
A lightweight review will not calculate every lot, tax basis, or dividend record. It can still identify the problems that usually matter first: too few meaningful holdings, an aggressive allocation for a short timeline, excessive cash drag, or a rebalancing process that exists only in your head.
- •Use approximate stock, bond, and cash percentages to get an initial score.
- •Answer honestly about rebalancing frequency and risk tolerance.
- •Treat the output as a diagnostic, then decide whether deeper tracking is needed.
Step 2
When a broker-linked tool is worth it
Once you need exact performance, tax reporting, dividend history, or automated monitoring, account-linked software can save time. The mistake is starting with a heavy setup before you know which problem you are solving. A quick no-account score helps you decide whether deeper tracking is worth the friction.
- •Use no-account scoring for privacy, speed, and early diagnosis.
- •Use connected tracking for tax lots, performance history, and ongoing alerts.
- •Avoid sharing credentials with any tool that does not clearly justify the access.
Step 3
How to make the quick score more accurate
The better your rough inputs, the more useful the score. Before running the calculator, estimate your total account value, top holding weights, stock/bond/cash split, and how often you rebalance. Exact cents are less important than honest categories.
- •Round allocations to the nearest 5% if exact numbers are not handy.
- •Count only meaningful holdings, not tiny leftover positions.
- •Run the score again after major deposits, withdrawals, or market moves.
Get the quick diagnosis first, then decide whether deeper tracking is worth it.
The calculator below is free, shows the score instantly, and does not require brokerage credentials. Email is optional if you want the follow-up plan.
Jump to the free tool →What's Your Portfolio Health Score?
Answer 4 quick questions and get your personalized score in 30 seconds — free, instant, no account needed.
FAQ
Common questions about this portfolio check
Can I analyze my portfolio without linking my brokerage?
Yes. You can get a useful first-pass analysis by entering approximate holdings, allocation, risk tolerance, and rebalancing habits. Linking a brokerage is only necessary for exact balances, tax lots, and automated tracking.
Is a no-account portfolio analysis less accurate?
It is less precise, but still useful for detecting structural issues. The goal is not penny-perfect reporting; it is to spot allocation, concentration, cash, and discipline problems quickly.
Does Flowvest require an email to show the score?
No. The Portfolio Health Score is shown on the page. Email is optional if you want the follow-up plan sent to your inbox.