Risk Capacity Score

The Risk Capacity Score Calculator assesses your objective ability to absorb investment losses based on factors like age, income stability, time horizon, existing wealth, dependents, and insurance coverage. Unlike risk tolerance (which is psychological), risk capacity is about financial facts. Answer questions about your financial situation and the calculator produces a score from 1-100 with a suggested asset allocation profile: conservative (bonds-heavy), moderate, aggressive (equity-heavy), or very aggressive. The radar chart visualizes your scores across different risk factors. Many investors confuse risk tolerance with risk capacity. A young high-earner with no dependents has high risk capacity regardless of whether market drops make them nervous. Conversely, a retiree with a small pension has low risk capacity even if they enjoy market excitement. This calculator separates the objective from the emotional.