Don't just plan for the best. Simulate the worst.
Hubvera stress-tests your financial choices before you spend a single dollar. See your plan under bull markets, recessions, and 2008-grade crises — node by node.
Free for educational use. No credit card. No account linking. Your real money stays where it is.
Risk numbers sourced from public methodology
- FDIC
- FINRA
- Federal Reserve
- BLS
- S&P
- MSCI
- Nareit
- NAR
- Attom Data
Most planners only show you the success path. We force you to look at the rest.
Hubvera isn't another return calculator. It's a stress-test for the decisions you're about to make — built around three principles.
- Honest under pressure
Vitality scoring, not vibes
Each node combines your capital, your skills, and a real-time chaos slider. Drag the dial; watch every node recolor inside 200ms.
- Documented, not invented
Every risk number cites a source
Severity values come from FDIC, FINRA, S&P drawdown data, BLS contractor surveys, and more. Versioned so saved simulations stay reproducible.
- 9 paths, real numbers
From safest to most volatile
High-Yield Savings to House Flipping, plus retirement stacks like Roth vs Traditional and the HSA. Capital requirements, risk severities, pros, cons, and mitigations on every node.
How it works
- 01
Build your Financial DNA
Capital, risk tolerance, time, and skills. The 4-step quiz takes under two minutes.
- 02
Pick a path
9 paths across investing and retirement. Each lays out the full decision tree — the work, the risks, and the mitigations.
- 03
Stress-test it
Drag the chaos slider from Bull Market to 2008-grade Crisis. Save the scenarios that matter.
9 paths, from sleep-easy to high-wire.
Every path is a full decision tree with a sourced risk number on each node. Here's the range — sign in to open any one and drag the stress dial yourself.
- High-Yield SavingsPrincipal-protected, FDIC-insured.Sleep-easymin $0 · risk 10
- HSA as a Stealth Retirement AccountThe only triple-tax-advantaged account.Quiet powermin $4,400 · risk 12
- The Tax-Advantaged StackThe fiduciary's savings order, step by step.Order over amountmin $23,500 · risk 18
- Index FundsMatch the market, not beat it.Set and forgetmin $100 · risk 21
- Roth vs Traditional 401(k)Pay tax now, or pay it later.A bet on tax ratesmin $0 · risk 24
- REITsHigh income, sensitive to rate shocks.Property, no tenantsmin $200 · risk 30
- Primary ResidenceMostly housing — appreciation is a distant third.The leveraged onemin $50,000 · risk 31
- Rental PropertyVacancy and capex can erase a year of cash flow.Hands-on incomemin $50,000 · risk 56
- House FlippingOne overrun flips a profitable deal to a loss in weeks.High-wiremin $50,000 · risk 74
Built on numbers we can defend.
Every risk severity in Hubvera is anchored to a public benchmark and a worst-case historical event — not invented, not vibes. We version each value so a simulation you save today stays reproducible against the methodology that produced it, even after sources update.
- Volatility data from S&P, MSCI, and Nareit indexes.
- Operational and identity-risk anchors from FDIC and FINRA.
- Contractor and labor cost surveys from the Bureau of Labor Statistics.
- Vacancy and eviction data from NAR and the Princeton Eviction Lab.
Privacy that fits the product
- We never collectBanking, brokerage, or trading credentials. Hubvera doesn't connect to your accounts.
- Logs never carryCapital amounts, profile values, or per-node simulation results.
- You can leave anytimeExport your data as JSON or delete your account in two clicks from the profile page.
Read the full Privacy Notice and Terms of Use.
Stop hoping. Start stress-testing.
Build a profile, pick a path, and see what your plan looks like under chaos. Less than two minutes from sign-up to your first simulation.
Educational simulation tool. Not financial advice. Past performance is not a guarantee of future results.