A record-keeping, visualisation and factual-calculation tool that brings your accounts and holdings into one picture — from your connected broker, your manual entries, and live exchange rates.
No fine print. Everything this tool can’t do is right here, in normal-sized text. A wealth tool that buries its limitations isn’t one worth trusting — so here’s the honest list, no magnifying glass required.
Not advice, not forecasting
- This tool provides no financial product advice or recommendations — nothing here tells you what to buy, sell or hold.
- It has no forecasting or projection capability. Every figure is a historical or current factual value, drawn from your accounts or your own inputs. The income calculator is arithmetic on your inputs, not a prediction of future returns.
- Nothing shown should be relied on as a recommendation. Seek advice from a licensed professional before making financial decisions.
Data & coverage
- Historical reconciliation, FX and period figures backfill up to 12 months automatically on first connection and continue on a rolling basis. Periods longer than 12 months are not available and are shown as “GAP” — never estimated. (Requires your broker Flex queries configured at setup.)
- Figures are only as accurate and current as the data each source provides — including manually-entered values such as private-investment valuations, bank balances, and fund beta/correlation.
- Holdings without a live feed (bank balances, private investments, some fund metrics) are user-maintained.
- Valuations are point-in-time and may differ from broker/custodian statements due to timing, FX, and corporate actions. Small “unexplained” reconciliation residuals can arise from timing and rounding.
Your privacy & security — what I can and can’t see
I have no access to your financial data — none — and the platform is built so that is not possible. You run your own private copy of this software. There is no central server I operate that holds your information; your data lives only on the machine you run it on. Nothing about your portfolio, balances or net worth is ever sent to me or to anyone else.
- No shared passwords. The connection to your broker uses your own read-only data feed (an Interactive Brokers Flex query you set up). There is nothing here that can place a trade, move money, or log in to your bank.
- No central honeypot. Because no company keeps a pooled copy of customers’ financial lives, there is no single database for an attacker to breach — the usual prize in a finance-app hack simply doesn’t exist here.
- Your own front door. Access is protected by a password you set, stored only as a one-way hash (bcrypt), and the app re-asks for it before anything destructive. Keep that password strong and your copy updated, and you hold the keys.
- Updates don’t reach in. A licence key keeps your updates current, but the app never connects back to me or sends your data out to check it — that check happens entirely on your own machine.
What counts as “Alternatives”
True alternative investments are financial assets or strategies that do not fall into conventional categories like publicly listed stocks, bonds, or cash deposits. They are typically characterised by lower correlation to public markets, illiquidity premiums, and reliance on specialised management.
The Alternatives allocation bucket in this dashboard reflects that definition: it covers managed fund holdings and private investments assigned to that bucket — for example, a private equity co-investment, a private credit fund, or an alternative-strategy managed fund — as distinct from listed equities or bonds. The boundary is user-configurable: any holding can be reclassified via the Portfolio Management tab.
This classification matters for the Stress Test tab. Because alternatives tend to have lower liquidity and mark-to-market sensitivity than listed assets, their directional behaviour in a scenario can differ substantially from equities — particularly in credit-crunch and deflationary environments where private valuations lag public markets, and in productivity-boom or soft-landing scenarios where specialised strategies can participate in broad risk-on moves.
A note from the maker
I'm a retired doctor, not a professional coder — I built the dashboard I wanted for keeping watch on my own worth, with a clinician's eye for the true number, then made it usable for others in a similar situation. I publish under the pen name Paul Hale. This is a tool about personal finances; my own are private, and I'd rather keep my family out of the public eye — so I keep the maker de-identified, and I'd sooner be open about that than hide it. (It's also why any demo you've seen uses entirely fictional sample data, never a real portfolio.) Every effort has gone into making this as bulletproof as possible, but the odd glitch may still slip through — and I'm happy to help. If you hit one, send it through (see the contact details for this site) and I'll do my best to get it answered ASAP. — Paul Hale