Which brokerages can it read?

The brokerages Plaid connects for holdings in the United States and Canada, over the same read-only connection as your bank accounts. You turn holdings on per connection, once, and its positions come in from then on, refreshed daily. It can read your holdings. It cannot trade them.

Does it record my trades?

No, and I would rather tell you that than guess. Each position shows what the brokerage reports: quantity, price, value and, where the brokerage gives it, what you paid, with the gain or loss on that. Dividends, interest, fees, deposits and withdrawals land in the ledger as the ordinary rows they are, so buying a fund never shows up as spending. Lots, purchase dates, returns and tax figures are not in it.

I hold coins at an exchange and some in a wallet. Can it count them?

Yes. Pick the coin, type the quantity you hold, once per account, and it is priced daily, converted into the currency you think in and counted in the same net worth. Add what you paid if you want the gain or loss next to it. Nothing links to the exchange or the wallet: there is nothing to connect and nothing that could move.

How does moving cash between my bank and my brokerage affect spending and net worth?

When your bank and your brokerage both sync through Plaid with holdings turned on for the brokerage connection, the brokerage cash leg is flagged as a possible transfer on import, and the bank leg is flagged when your bank’s feed marks it as a transfer. While one leg is still waiting for the other institution to settle, an unpaired leg is counted on its own; once the pair matches, it leaves your spending report and burn rate. Buying a security changes what you hold without creating a spending row, and dividends or interest land as income.

Can the assistant answer about my holdings?

Yes, read-only, like everything else it reads. Ask which positions are up on what you paid, what an account holds, or when a price was last seen, and it answers from your own holdings with the numbers under it. It will not add gains across currencies, and it says so when a list is partial.

Investment holdings & cost basis tracker

What you own. What you paid. What your holdings are worth today.

My brokerage accounts sit in the same ledger as the rest of my 60-plus accounts: every position, refreshed daily, counted in the one net worth I read in the currency I think in. When a dividend lands or I move cash across, the ledger already knows what kind of money that is.

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One position, as the ledger holds it

Quantity: As the brokerage reports it, or as you typed it for a coin you hold elsewhere.
Price and value: The brokerage’s own numbers, with the day the price was seen; for a coin, the day’s market price, converted.
Cost basis: What you paid, where the brokerage reports it, or as you enter it for a holding you track.
Gain / loss: Value less what you paid, signed, in the position’s own currency.
Freshness: A price the brokerage has not updated is flagged, never passed off as today’s.

Your positions, from the brokerage itself

The connection that brings your checking account brings the brokerage account next to it. The brokerage’s own total stays the number that counts in your net worth; the positions explain that total, they are never added on top of it.

Holdings come over the same read-only connection as your bank accounts, where the brokerage supports it, in the United States and Canada.
Quantity, price and value exactly as the brokerage reports them, refreshed daily.
A price the brokerage has not updated is flagged, never passed off as today’s.

It can read your holdings. It can’t trade them.

What you paid, and where you stand

I will not dress this up as a return. It is what you have, what you paid and what it is worth today, which is what you need to decide anything, and nothing the ledger did not see.

Cost basis as the brokerage reports it, one number per position, in the position’s own currency.
The gain or loss on each position, value less what you paid, signed, so a loss reads as one.
For holdings you track yourself, type what you paid once. It stays until you change it.

Honest arithmetic

Per position: The gain sits next to the position it belongs to, in that position’s currency.
Cash is cash: A cash position never shows a gain, because that would mean nothing.
No stories: No returns, no projections: what you have, what you paid, what it is worth.

Coins you hold where no bank can see

There is nothing to connect and nothing that could move. You tell the ledger what you hold, and the ledger does the arithmetic every day, in the currency you think in.

Pick the coin, type the quantity, once per account. Zero removes it.
Priced daily, converted into your currency, counted in the same net worth.
Add what you paid if you want the gain or loss next to it.

Nothing links to the exchange or the wallet. Nothing can move.

A history that never rewrites itself

The same rule the whole ledger lives by. And the allocation names the part it cannot classify, the cash and the difference, instead of folding it into something that sounds better.

Each day’s value is kept, per account, from the day you turn holdings on.
The chart shows what the portfolio was worth on the day, never today’s prices replayed over last month.
A day it could not value is a gap on the chart, not a number it made up.

What the chart will not do

Reprice the past: Last year does not change because prices moved this morning.
Fill a gap: A missing day or a missing rate stays visible as what it is.
Hide the rest: The allocation names the part it cannot classify, the cash and the difference.

A dividend is income. Buying a fund is not spending.

The cash you parked at the brokerage is still your cash, the dividend it earned is still income, and the fund you bought with it is not a purchase. That is the whole point of keeping a ledger instead of a budget.

Deposits, withdrawals, dividends, interest and fees in a brokerage account land in the ledger as the ordinary rows they are.
Money you move from your bank to your brokerage pairs up as a transfer, like any other transfer in the ledger.
Buys and sells stay out of your spending, because they are not spending.

Your spending report stays about spending. Your income includes the dividends.

Ask the assistant

The assistant reads holdings the way it reads everything else: read-only, from your own ledger. Ask which positions are up on what you paid, what an account holds, or when a price was last seen, and the answer comes with the numbers under it. It will not add gains across currencies, and it says so when a list is partial.

What a separate portfolio tracker costs you

Split your money between a budgeting app for checking and a portfolio app for investments and neither screen has the whole truth. Every transfer from checking to the brokerage looks like money you spent until you hide it by hand, dividends sitting in brokerage cash never reach your income totals, and your real multi-currency net worth takes two browser tabs and a calculator. Keeping holdings, cash movements and bank balances in one ledger means a deposit pairs as a transfer once both sides settle, a dividend counts as income, and every position’s value lands in the same daily net worth.

What it will not do

It does not record trades, keep lots, know purchase dates, compute returns or produce a tax figure. I would rather show you numbers that are true than returns that are guessed, and the numbers it shows are the brokerage’s own, or the ones you typed.

Frequently asked questions

Which brokerages can it read?: The brokerages Plaid connects for holdings in the United States and Canada, over the same read-only connection as your bank accounts. You turn holdings on per connection, once, and its positions come in from then on, refreshed daily. It can read your holdings. It cannot trade them.
Does it record my trades?: No, and I would rather tell you that than guess. Each position shows what the brokerage reports: quantity, price, value and, where the brokerage gives it, what you paid, with the gain or loss on that. Dividends, interest, fees, deposits and withdrawals land in the ledger as the ordinary rows they are, so buying a fund never shows up as spending. Lots, purchase dates, returns and tax figures are not in it.
I hold coins at an exchange and some in a wallet. Can it count them?: Yes. Pick the coin, type the quantity you hold, once per account, and it is priced daily, converted into the currency you think in and counted in the same net worth. Add what you paid if you want the gain or loss next to it. Nothing links to the exchange or the wallet: there is nothing to connect and nothing that could move.
How does moving cash between my bank and my brokerage affect spending and net worth?: When your bank and your brokerage both sync through Plaid with holdings turned on for the brokerage connection, the brokerage cash leg is flagged as a possible transfer on import, and the bank leg is flagged when your bank’s feed marks it as a transfer. While one leg is still waiting for the other institution to settle, an unpaired leg is counted on its own; once the pair matches, it leaves your spending report and burn rate. Buying a security changes what you hold without creating a spending row, and dividends or interest land as income.
Can the assistant answer about my holdings?: Yes, read-only, like everything else it reads. Ask which positions are up on what you paid, what an account holds, or when a price was last seen, and it answers from your own holdings with the numbers under it. It will not add gains across currencies, and it says so when a list is partial.

Keep exploring

Stocks are money too. Count them.

Connect the brokerage, or type the quantity, and your net worth gets honest the same day.

7 days free, then $12.99 a month or $89.99 a year. Card required, cancel anytime before your first payment.

Free trial for first-time customers; if your organization has subscribed before, the paid plan starts at checkout. Renews automatically until you cancel in Settings. Taxes may apply.