1. Inputs:

   • Expected Return: The anticipated annual return on investment as a percentage.
   • Volatility: The standard deviation of returns as a percentage, which measures variability (higher means more risk).
   • Risk Tolerance: A scale of 1-10, where 1 is very risk-averse, and 10 is very risk-tolerant.

2. Risk Calculation:

   • The formula uses volatility minus expected return to generate a baseline risk score.
   • The score is adjusted by the inverse of the user’s risk tolerance (11 – risk tolerance) to reflect their personal comfort level with risk.

3. Output:

   • The risk level is classified as:
     • Low Risk: Score ≤ 10.
     • Moderate Risk: Score > 10 but ≤ 20.
     • High Risk: Score > 20.

4. Responsive Design:

   • The layout works on all screen sizes and devices.

This calculator provides an easy way for users to evaluate the risk level of potential investments relative to their personal tolerance.