Your salary, your savings, and your right to stay in the country can collapse together — driven by one factor. Quell runs the correlated math and gives you honest odds, with the uncertainty made visible.
Free tier · no credit card · first reading in 5 minutes
A real crisis isn't just a bad market. It's a layoff at the moment your equity vests worthless — while your visa is job-conditional. Three risks, one factor, all firing at once. Your spreadsheet can't see that.
Two views, always together. Decomposition tells you which factor owns the tail. The oracle tells you what moves it — computed from the engine, never from a model.
Manual entry, CSV, or a statement upload. We model salary, equity, savings, debt, visa, health and family — not just a brokerage balance.
Regime-switching, fat-tailed, fully correlated. Your salary, your RSUs and your visa all load on the same factor — and the engine prices that in.
Every figure comes with a 90% band. Wide means thin data — we tell you what we don’t know. Then we rank the actions that move the needle most.
Quell never hands you false precision. Each estimate shows its 90% interval and its median. When the evidence is thin, the band is wide — and that honesty is the whole point.
The free reading is complete and real. We don't hide the bands or the levers to upsell you.
Free to start. Real math. Honest bands. No guessing.