I built a portfolio recovery tool because “I need my coins to come back” is the wrong math

A portfolio can be down 60%, while some individual positions are down 80%, 90%, or even 99%.

The natural reaction is:

“I just need these assets to get back to my entry price.”

But while building a portfolio tracker, I realized that's not actually the problem you need to solve.

Your portfolio doesn't care which asset makes the money back.

Break-even is one number.

If you invested $82,465 and your portfolio is now worth $32,833, you're down $49,632.

You don't necessarily need every losing position to recover.

That $49,632 gap can theoretically be closed by:

• one strong position
• several positions recovering partially
• new monthly contributions
• growth in completely different assets
• or some combination of all of them

So I built Portfolio Recovery into CalculatorAI.

Instead of predicting prices or telling you what to buy, it works backwards from your actual portfolio.

It shows:

→ exactly how much you're missing to break even
→ the % return the portfolio needs from today
→ a 0–100 Recovery Score
→ which individual holdings could theoretically close the entire gap
→ which losses barely matter in dollar terms despite looking terrible in %
→ when you'd break even at an assumed return
→ how much you'd need to add each month
→ what annual return would be required to recover within a chosen timeframe

No price predictions. No trading signals.

You provide the assumptions. It just does the math.

One thing that surprised me while building it:

The asset with the biggest percentage loss is often not the biggest problem in the portfolio.

A $200 position down 90% matters far less to recovery than a $30,000 position down 20%.

Obvious once you see it in dollars, but portfolio apps constantly train us to stare at percentages.

I’m curious what other founders/investors think about this approach.

Would seeing a “recovery plan” actually change how you think about a portfolio that's deep underwater?

https://calculatorai.app/best-portfolio-tracker