Features
Every screen built around one question: what does this risk actually cost you?
Konto za Zero combines income forecasting, volatility scoring and portfolio guardrails into a single workflow — designed for irregular earners and self-directed investors who can't afford to guess.
What's inside
- ForecastingIncome & cash-flow
- ScoringRisk-adjusted allocation
- MonitoringContinuous re-checks
Core capabilities
A full toolset, not a single dashboard widget
Each feature below is built to answer a specific decision: how much to allocate, when to pause, and where volatility is coming from — before it shows up in your account balance.
Income Volatility Mapping
Pulls historical earnings patterns from gig and freelance income to build a rolling volatility profile instead of relying on a single monthly average.
Benefit: see your real cash-flow risk, not a flattened estimate.
Risk-Adjusted Allocation Model
Suggests position sizing and asset mix based on your income variability, not a generic risk questionnaire filled out once and forgotten.
Benefit: allocations move when your income situation does.
Predictive Drawdown Alerts
Flags portfolio segments where projected volatility exceeds your defined tolerance band before losses accumulate.
Benefit: act on projections, not after-the-fact statements.
Scenario Stress Testing
Runs your current setup against reduced-income, delayed-payment and market-shock scenarios to show where the plan holds and where it breaks.
Benefit: find weak points on a screen, not in a downturn.
Rebalancing Guardrails
Sets threshold-based rules for when a portfolio drifts far enough from target to warrant a rebalance, removing emotional guesswork from timing.
Benefit: consistent rules replace reactive decisions.
Continuous Re-Scoring
Refreshes your risk score as new income and market data arrives, instead of a static profile set once at onboarding.
Benefit: your plan stays current as circumstances change.
Feature deep dive
The scoring engine behind every recommendation
Most tools ask a handful of risk-tolerance questions once and file the answer away for good. Konto za Zero's scoring engine treats risk as a moving target — recalculating exposure limits as income variability, market conditions and portfolio drift change.
The output isn't a single number. It's a breakdown of where risk is concentrated — in income timing, in asset correlation, or in position sizing — so you know what to adjust and why.
Every recommendation ties back to a visible reason, not a black-box score you're asked to trust blindly.
Built for two profiles
Same engine, different priorities
Gig workers and individual investors face different sources of volatility. The feature set adapts to which one applies to you.
For gig economy earners
- Income volatility mapping tuned to irregular pay cycles
- Cash-flow-first allocation limits, not fixed monthly contributions
- Scenario testing for reduced-hours and platform payout delays
- Alerts calibrated to short-term liquidity needs
For individual investors
- Rebalancing guardrails based on drift thresholds, not calendar dates
- Market-shock stress testing across your existing positions
- Continuous re-scoring as holdings and correlations shift
- Drawdown alerts tied to portfolio-level tolerance, not single assets
Details
Feature-specific questions
How often is the risk score recalculated?
The score updates whenever new income or portfolio data is available, rather than on a fixed calendar schedule. You can also trigger a manual refresh at any time.
Do the allocation suggestions execute trades automatically?
No. Konto za Zero produces recommendations and guardrails; execution decisions remain with you or your existing brokerage workflow.
Can I adjust my own risk tolerance bands?
Yes. Default thresholds are provided as a starting point, but drawdown alerts and rebalancing guardrails can be tightened or loosened to match your comfort level.
What happens if my income pattern changes suddenly?
The income volatility mapping feature re-profiles your cash flow as soon as new data comes in, which in turn adjusts allocation suggestions and alert thresholds.
See these features applied to your own numbers
Set up takes a few minutes. Connect your income pattern and current holdings to get a first risk breakdown.
Start AnalyzingNo automatic trading is performed on your behalf. Review Terms of Service for details.