What this tool measures
You list your positions, one row each: a name you choose, the current value in USDT, and where it sits — exchange (CEX), hot wallet, cold wallet / hardware, or DeFi / staking. Once at least two rows have a value, the calculator shows your total, the share held by your largest single position, your cold / hot + DeFi / exchange split, a concentration index (HHI), and an overall score from 0 to 100. It does not ask for your seed, your addresses, or any identifying information.
How the score works
The score starts at 100 and loses points for three things: one position holding more than 25% of the total (up to 30 points once it passes 50%), a cold-wallet share under 40% (25 points under 20%), and an exchange share above 35% (20 points above 50%). Fewer than three positions costs another 10 points. 75 and above is labelled "Solid", 50 to 74 "Moderate risk", below 50 "High risk", with a short note on which of those issues pulled the score down.
The privacy model
The calculation runs in your browser, and the tool does not send or store the numbers you type. Closing the tab clears them. Like the rest of the site, this page loads Google Analytics; see the privacy page for details.
What the output is for
The output is a starting point for thinking about where your holdings sit and how concentrated they are. It is not financial advice.
What this is not
This is not a substitute for thinking. The calculator only looks at where your money sits, so a layout can score well and still be exposed to things it does not model — how your seed is backed up, whether you use 2FA, or all your backups sitting in the same earthquake zone. Use the calculator as a triage tool, then read the cornerstone guides for the deeper picture.
Add your positions
One position per row: a name you pick (e.g. "Binance main account" or "Ledger main vault") + current value (USDT equivalent) + type.
Waiting for your positions...
Add at least 2 positions above — results compute live as you type.