The L in PnL doesn't have to mean loss.
Lock the gains. Preserve the capital.
PnLock (short for PnL Lock) is an institutional-grade risk & analytics desk for retail portfolios, built to maximise profit and minimise regret. Smart exits anchored to live volatility, deep portfolio analytics that surface hidden risk and concentration, and disciplined re-entry scoring so getting back in is driven by evidence, not emotion.
From position to protected in three steps.
Connect your broker once. The engine analyses every holding against six adaptive exit models on every tick. You stay in control, every lock requires your sign-off before it reaches the market.
Bring your portfolio in.
Drop a position file from Revolut or Trading 212, link the Trading 212 API for continuous sync, or add any holding by hand, IBKR, Degiro, Schwab and more. Multi-currency out of the box: USD, GBP, GBX, EUR, CHF, CAD and AUD. IBKR and Schwab API queued.
Six models, every holding.
Conservative Shield, Balanced Defender, Volatility Guard, Momentum Protector, Crash Hunter and Adaptive Protector run in parallel against 120 days of volatility. Each lock anchored to the live quote, scored against false-exit risk.
Lock the gains, on your terms.
Review a dynamic protection level, then decide what to do next. The engine surfaces exit context only when discipline says so. You authorise every broker action.
Six products. One discipline layer.
PnLock is built from products that work together, see your portfolio clearly, lock the gains you've earned, re-enter on evidence, research a stock before you buy, backtest your rules, and follow the money. Every model, metric and score is documented in plain-English in-app guides, use one product, or run the entire stack.
Profit Lock
Profit Lock helps you protect gains by suggesting dynamic exit levels based on your portfolio position, market movement, and selected risk model. The goal is not just to stop losses, but to lock in profit before a strong reversal.
Portfolio Analytics
Portfolio Analytics gives users a clear view of their overall exposure across stocks, sectors, countries, currencies, and account types. It helps investors understand where their portfolio is concentrated and where hidden risks may exist.
Reentry Intelligence
Reentry Intelligence helps users identify potential opportunities to get back into a position after an exit. It analyses price behaviour after a drop and highlights where reentering could have improved protection, recovery, or total return.
Stock Research
Type a ticker, get the whole picture. Stock Research pulls a stock's price trend (with 50 & 200-day averages), momentum, valuation, profitability and growth fundamentals and analyst context into one view, then scores Trend, Momentum, Valuation, Quality and Growth into a transparent buy assessment. Every signal is shown, so you see exactly why a stock reads strong or weak.
Strategy Backtester
Build entry, exit, stop-loss and take-profit rules from 20+ indicators, RSI, MACD, ATR, moving averages, Bollinger Bands and more, then test them on real historical market data. See the equity curve, win rate, and every triggered trade, then save the winners as your own custom stop models.
Influential & Insider Trades
Follow the money. Track corporate insider filings from SEC Form 4, with cluster-buy detection, role weighting (CEO/CFO over directors) and per-ticker net buy/sell pressure, alongside the stock trades US lawmakers must disclose under the STOCK Act, ranked by a conviction score. Two public-disclosure feeds, one searchable view.
Six perspectives. One defensible exit.
Same volatility data, six independently calibrated models, plus any you build yourself. PnLock runs them in parallel and scores the result on an A–F protection grade, the institutional verdict on whether the lock holds against the tape.
A 53.6% drawdown, avoided.
Replayed on Netflix through the April 2022 subscriber-loss crash. PnLock could never have predicted the news, but the trailing model locked in a gain and exited before the worst of the fall, sat in cash through the deepest part of the drawdown, then re-entered after price stabilised near the bottom.
Historical best-case re-entry simulation. Past volatility does not guarantee future behaviour. Illustrative only.
See what you actually own.
A protection level is only as good as the exposure behind it. PnLock weights every position, decomposes every ETF into its real constituents, and surfaces the concentration a plain ticker list keeps hidden.
Every holding, weighted & ranked.
Your whole book in one institutional view. Each position scored against its own live volatility, so concentration shows up before it bites.
Every ETF, decomposed.
Full issuer-fed holdings on every ETF you own. A single QQQ line becomes the hundred names you actually hold.
Overlap, surfaced.
Combine direct positions with fund look-through to catch the sector tilt hiding across three different ETFs.
Institutional metrics behind every view, the three pillars above each unpack into a full diagnostic suite, scored across your whole book.
Most retail exit rules are guesswork.
Set too tight, protection fires on noise and bleeds you out. Set too wide, it lets a full reversal through. The math to calibrate it properly isn't hard, retail platforms simply don't bother. Institutions do.
Too Tight
FProtection sits so close it fires on routine intraday volatility. You're flushed out on noise, the position recovers, and the discipline costs you the move it was meant to preserve.
Too Wide
CProtection sits so far below the tape it provides cover in theory only. When the trend genuinely breaks, the realized drawdown erases weeks of compounded gains.
PnLock
AProtection levels calibrated to live volatility and anchored to the live market price. Every level ships with an A–F grade and the false-exit math behind it, disciplined, dynamic, defensible.
Simple, transparent pricing.
Start free. Upgrade when the discipline pays for itself. No hidden fees, no usage tiers, no surprise overages, institutional clarity at retail price.
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