Crystal Ball is a personal financial intelligence platform — not a hot-stock service. It starts where sound decisions start: understanding what comes in and where it goes. Then it helps you protect a foundation, model what retirement may require, and surface how much capital may be available to invest. Only then does it bring the same calibrated research that powers our public track record. Educational decision support, not financial advice. No promised returns, ever.
Five steps, in the order that protects you. Each one feeds the next — so by the time you look at a single stock, it's framed by everything that matters more.
Then it loops: as your plan, balances, and the market change, the picture updates — your foundation is re-checked before any new idea is shown. This is educational decision support, not financial advice.
The same honest math, applied to four very different questions. You don't need to know what a "calibrated probability" is to use any of this — the app explains itself as you go.
Not one signal. Three independent rankings calibrated for different holding periods — so you can size your portfolio across conviction levels and time horizons.
You shouldn't need a statistics degree to know whether a prediction service is honest. Here's our whole stance, no fine print required.
Import your brokerage history (E*TRADE, Fidelity, Schwab, Robinhood — CSV, Excel or PDF) and get the analysis your statement never shows: your true profit over time, and whether you sold too soon. Parsed entirely in your browser — your trade file never leaves your device; only anonymous ticker-and-date lookups fetch the benchmark prices.
The same data science approach extended across the whole retirement lifecycle: dividend-stock screening, payout modeling, and household-level retirement planning with end-to-end encrypted storage. The tax engine is the deep part: Roth conversion ladders, Social Security claim-age math, Medicare IRMAA surcharge thresholds, RMDs under SECURE 2.0, survivor “widow's penalty” modeling, and state income tax for all 50 states. Built for retirees, near-retirees, and anyone serious about their financial future.
Every pick includes probability, expected value, two-sided risk/reward, a stop loss, a sell target, and broker-ready copy. No guessing what the model thinks.
Illustrative example. Real picks are updated from the nightly pipeline and include live prices, stop-loss ratcheting, and historical re-recommendation tracking.
No black box, no "proprietary AI" hand-waving. Here's what's actually happening under the hood.
P(up) · r_up + (1−P) · r_down — the probability-weighted return across both outcomes. Not the degenerate formula that ignores downside.
Crystal Ball helps organize financial information and evaluate possible decisions. It cannot know future market outcomes, and its rankings should be considered alongside diversification, risk tolerance, taxes, investment horizon, and professional advice where appropriate.
No outcome is guaranteed. Past and simulated performance does not predict future results. All investing involves risk, including loss of principal. Crystal Ball is research and educational information — not investment, tax, or legal advice, and it does not recommend specific securities or transactions.
Three financial lives, gathered into a single clear view — that's the whole product.
Access is currently invite-only. Request access to receive a code when a spot opens, sign in if you already have one, or take the 3-minute tour first — no signup needed.