What this tool measures

The calculator asks eight questions about your custody setup. It does not ask for your seed, your balances, or any identifying information. The output is a numeric score (0-100) and a short list of suggestions, ranked by how much each would change your score.

The eight questions

  • 1. What is the approximate value of your crypto holdings? The defensive bar scales with value. Different recommendations apply to a 1K stack vs. a 1M stack.
  • 2. Where is the largest portion stored? Exchange / hot wallet on phone / hot wallet on desktop / hardware wallet / multisig.
  • 3. Where is your seed backup? Photo on phone / notes app / paper at home / metal plate / two locations / shamir split.
  • 4. Do you use 2FA? SMS / TOTP app / hardware key / passkey.
  • 5. Have you used a passphrase on top of the seed? Adds an additional layer that survives some categories of compromise.
  • 6. Is there a family handoff plan? If you become incapacitated, can your spouse or executor recover the funds?
  • 7. When did you last rehearse a recovery? Restoring from backup on a spare device. The longer ago, the higher the residual risk.
  • 8. Do you have an address allow-list set up on your primary exchange? Limits damage if the exchange account is compromised.

How the score works

Each question has weighted answers. Lower-value-impact custody choices score higher; higher-value-impact ones score lower. The total is the score. A score above 80 is "well-protected for retail standards"; 50-80 is "average retail"; below 50 is "you have a specific weak point worth fixing this week."

The privacy model

Everything runs in your browser. No data leaves the page. The questions are not stored, the answers are not stored, no cookies are set. Closing the tab loses your answers; that is intentional.

What the output is for

The output is a starting point for the conversation with yourself about custody. The "top 3 changes" list is the highest-leverage place to spend the next weekend — not because the tool is omniscient, but because the questions are designed around the failure modes that most often translate into losses among US-based holders.

What this is not

This is not a substitute for thinking. The calculator can produce a high score for a setup that is still vulnerable to a specific attack the calculator does not model — for example, a single-jurisdiction concentration risk if all your backups are in the same earthquake zone. Use the calculator as a triage tool, then read the cornerstone guides for the deeper picture.