Personal Risk & Return · your risk, in numbers

Everything you worry about, in one score.

Health, money, driving, your home, your mind. We work it all out and give you one score out of 1,000 — plus what it costs you in a year, and why. The maths runs on your phone.

3,412 people like you changed something this month Their scores went up +14 4 things reach our servers. None of them what you typed

The big sun on the left is you. The nine planets lined up beside it are your risks. The bigger the planet, the more it could cost you.

Seoul · 50s · office +14 points this month Austin · 20s · student transport −9 after semester start London · 30s · nurse 61% built up three months of savings Busan · 40s · self-employed mind & relationships +7 Risk model refreshed for everyone this month Up next "Heat at outdoor work" hit 1,000 votes Seoul · 50s · office +14 points this month Austin · 20s · student transport −9 after semester start London · 30s · nurse 61% built up three months of savings Busan · 40s · self-employed mind & relationships +7 Risk model refreshed for everyone this month Up next "Heat at outdoor work" hit 1,000 votes
01 · Score

The bigger the planet, the bigger the risk

From health to legal trouble, nine risks circle around you. A planet's size is its share of what you could lose in a year, and the biggest risks orbit closest. Get your score and they redraw to your own numbers.

Today, at a glance

Open the app and you don’t get a form. You get the number first, then the reason behind it, then one thing worth doing today. All of it worked out on your phone.

Sample view · make it mine
Safety Score · higher is safer
542
Range 507 – 577 · costs you about $2,100 a year · concentration 41
Oct 2025 · 498 Sep 2026 · 542
Wondering why it’s 542? Tap the number →
Weekly recap · stories

Driving dropped 12 points. Everything else held.

Five cards, eight seconds each, swipe through. Your commute got longer, you drove more at night, there was one rain alert. Mind and relationships stayed put.

See your week →
Group trends · 50+ people
People like you who changed something2,140
What it did to their score+14
Where you sittop 34%

You only ever see totals. What you typed stays on your phone, and so does everyone else’s.

Ask · on device · coming soon

"Why is driving my worst area?"

Because you drive a lot — 11 hours a week, and 30% of that at night. Drop two commute days and this area gains 18 to 31 points. The assistant reads the risk info on your phone and sends none of it anywhere.

Ask anything →
Mind & relationships

720 · steady 8 weeks

Loneliness, pressure at work, looking after someone — we put a number on these the same way we do with money. It’s a scored area, not a wellbeing tip.

Share card

Just the score and the range.

Three designs, one switch for the dollar figure. What you typed never goes on it.

Future me · in the works

Carry on as you are and 2036 looks like 690 to 760.

Slide out to 5, 10, 20 years and watch the range get wider. Then change one habit and see what happens.

02 · Stories

People like you, right next to you

The stars glowing around you are people of a similar age, area and job. The feed shows what they changed.

The feed

Nobody writes these posts. What shows up is what groups like yours actually did, and the research behind the scores. You see what people changed and how far their scores moved — never who they are.

G
Group · Seoul · 50s · office2,140 people · aggregate of 50+
live
The most common thing people did this month was cut their driving. Nothing else moved driving scores as much.
Did it
61%
Score change
+14
If you did it
+18~31
Me
You · privateStays on your phone
Booked my annual check-up. Health should go up 6 to 11 points when it recalculates next month.
Three months running with at least one thing done
P
Poll · Money group1,204 votes · closes Friday
Which one would you do first?
Tap to vote. We count the votes, not who cast them.
E
Read · rorlabs.ioMoney · 3 min
Why three months of savings does more for you than clearing a 4% loan. The workings and the sources are all there.
HealthAccidentsCrimeScamsMoneyEnvironmentSocialLawInfrastructure
V
Up nextTell us what we should score
The Busan 20s delivery group suggested "heat at outdoor work". At 1,000 votes it goes to review.
998 / 1,000
We add what people keep asking for. 200 risks so far.
R
Your data receiptAs of Sep 1
Left your phone — one anonymous ID, 10 scores, 2 risk factors as rough bands, the model version. Never left — your income, your health answers, your address, everything else you typed.
03 · Share

Only your score goes on the card

What you typed stays where it is. The card carries your score and its range, nothing else.

Safety Score · Sep 2026ROR Labs
542
Range 507 – 577 · higher is safer
SafestDisaster
Working onDriving
This month+6
Worked out on my phone
Share studio

The score goes out. Nothing else does.

A share card is a 4:5 image your phone builds. It carries the score, the range and three area names — that’s it. You pick the design and whether the dollar figure goes on. The card builder can’t read what you typed, and the server never had it, so it can’t end up there by accident.

On the card — score, range, area names, this month’s change, model version. Not on the card — what each area costs you, your risk factors, your group code, anything you typed. The switch above is the only exception, and it’s off unless you turn it on.
Save card as image
04 · Future

Where does this path lead?

Change one habit and the path lifts clear of the risks' orbits. Try it below.

Coming later

Future me

Slide it out to see where your score goes if nothing changes. The range gets wider the further ahead you look — that’s the model being honest about what it can’t know. Then change one habit and watch.

now5y10y15y20y
Year
2036
Score then
725
Range
690 – 760
Cost per year
$2,910
Why it moves
Getting older pushes health and accident risk up a little each year. Housing and disaster stay flat. Driving follows however much you drive.
The app

It works like the apps you already use

Stories at the top, a feed in the middle, a chat that answers "why", a card you can post. All familiar. What’s different is underneath: the maths runs on your phone, and only the score leaves it.

  • Face or fingerprint to sign in. No password to forget
  • Dark by default on the phone, light on the web
  • We only notify you when a score drops. Never to get you to open the app
  • Ask uses a small model on your phone that reads your risk info and nothing else (coming soon)
9:41●●●
Askon your phone
why is driving my worst area
You drive a lot. 11 hours a week, 30% of it at night on main roads. That alone is 38% of what driving costs you.
what if I took the train twice a week
Transport 505 → 523~536, total 542 → 560~573. That’s about $310 a year less. Want me to add it to your list?
yes
Added. I’ll check back on Oct 1 when it recalculates.
Ask me about your risk…🎙
This chat never left your phone
Today
Feed
Ask
Actions
Me
9:41●●●
Feed50+ people
G
Group · Seoul · 50s · office61% cut their driving and gained 14 points.
↑ 318💬 42Add →
V
Up next"Heat at outdoor work" · 998 / 1,000
Vote
E
Read · SocialCan loneliness be scored? How we turn isolation into a number.
4 minSave
Me
You · privateCheck-up booked. +6 to 11 next month.
Streak 3 mo
Groups post here, not people
Today
Feed
Ask
Actions
Me
9:41●●●
MeMy data
Share card3 skins
Streak3 months
Vault backupon
Left your phone
Your anonymous ID1
Scores + bands12 mo
Risk factors, as rough bands2
Income · health · addressnever
Download my data›
Withdraw consent›
Delete everything›
We can link this ID back to you, but only through a logged, audited request
Today
Feed
Ask
Actions
Me
05 · My data

Your details stay locked on your device

What you enter is encrypted on your device. Our server only keeps your score.

What we say, and what we refuse to say

Every line we write about privacy — in the app, in the feed, on the share card — has to pass this.

We say

  • Your income, assets and health answers are never stored on our servers.
  • The server holds your scores, your risk factors and an anonymous ID. Not your name.
  • Feed posts are totals from groups of at least 50 people.
  • The share card is built on your phone, from the score alone.
  • Your score is worked out on your device, on the web and in the app. We only fetch the reference values the calculation uses, and nothing about you is sent to get them.
  • This score is a statistical estimate and we’re still checking it — stage 1 of 4.

We do not say

  • "We cannot know who you are."
  • "Fully anonymous." / "Not personal data."
  • "Ask is private" before the on-phone model has even shipped.
  • "Your objective personal risk."