Stress test your portfolio before the market does it for you.
Exposure gives everyday Australian investors access to the same risk diagnostics used by institutional portfolio managers. Simulate rate shocks, equity drawdowns, liquidity crunches, and concentration risk — all in one place.
The Problem
Most finance apps tell you what you have. Exposure tells you how exposed you are.
- Show the real dollar impact of rate rises on your mortgage repayments
- Reveal hidden concentration risk inside your ETFs
- Stress test your portfolio across macro regimes
- Model liquidity under income shock or rate hike
- Detect structural leverage vulnerability
- Assess your financial durability under recession
How It Works
- Enter your portfolio — Add your ETF holdings, property and mortgage details, income, and expenses.
- Run your diagnostics — Execute stress tests across rate shocks, equity drawdowns, liquidity models, and concentration analysis.
- Get your Exposure Brief — Receive a synthesised Exposure Risk Brief with your vulnerabilities quantified and actionable.
Six Diagnostic Engines
- Rate Shock Engine — Model the impact of rate hikes on your mortgage repayments and total portfolio cost.
- Equity Drawdown Simulation — Stress test your holdings against historical crashes like the GFC, COVID, and dot-com bust.
- Liquidity Survival Model — Calculate how many months of expenses you can cover if income stops and markets fall.
- Concentration Risk Score — Decompose your ETFs into underlying holdings and measure HHI concentration.
- Exposure Risk Brief — AI-generated risk summary combining all diagnostics into an actionable intelligence brief.
- Combined Stress Test — Model simultaneous shocks on your entire financial position in one scenario.
Pricing
Free — Portfolio input, dashboard overview, and one diagnostic tool.
Pro ($9/month) — All six diagnostic engines, AI-generated Exposure Risk Brief, CSV import, and unlimited stress tests.