Portfolio Stress Tester
Stress-test a portfolio against market drops, inflation spikes, and rate shocks to estimate downside pressure and recovery targets.
| Equity shock impact | £25,900 |
| Bond shock impact | £2,220 |
| Inflation drag | £3,330 |
| Starting portfolio value | £185,000 |
| Scenario loss | £31,450 |
| Recovery gain required | 20.5% |
Private by design
Calculator results are estimates based on your inputs. They are useful for learning, planning, and comparison, but they are not professional advice.
Use responsibly
Finance outputs are educational projections, not investment, tax, legal, or financial advice.
Free access
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What this stress tester is for
Most investors understand expected return. Far fewer understand what a bad year actually does to their portfolio, psychology, and required recovery path. This tool makes the downside concrete.
Why recovery math matters
A 20% loss does not require a 20% gain to recover. It requires 25%. The deeper the drawdown, the harder recovery becomes. That is why scenario testing matters before the stress arrives.
Use it alongside downside analysis
Pair this with the portfolio drawdown analyzer if you want both scenario-based stress testing and historical downside analysis.