I would appreciate this a great deal on the financial planner side of things. It creates efficiencies on the data gathering side of things. It also strengthens my financial planning offering because I can do a client expense audit, where I find ways to reduce the clients spending naturally.

Reduce travel budget with travel hacking.

Reduce financial fees, etc.

From an advisors perspective this is mandatory. I couldn’t consider subscribing without it. Hopefully we will be notified when this happens.

Don’t forget to considera european banks, PSD2, etc

I am currently using a separate tool for budgeting and transferring big numbers to expenses here. It would be great to have one tool that could do both.

Plaid integration would a god send 🙏

Plaid integration would be unbelievable! Or just acquire Kubera and integrate that into ProjectionLab.

I agree this would be awesome! Currently I use Empower as a net worth tracking tool and their retirement planner looks like a high-school project compared to what you have here. I also use YouNeedABudget which pulls transactions from accounts automatically and lets you categorize them and run reports and stuff. Their product is nice, but really doesn’t give much analysis capabilities.

Plaid has really gone downhill since the acquisition so maybe in addition to projectionlabs you could build a plaid competitor and profit

Yes, would love a plaid integration for real-time account balances. Currently using empower and have been underwhelmed.

I am loving your product.

I’m not sure if the target here is professionals or individuals. I’m just an individual. The best way to hook me is with linked accounts. I would check ProjectionLab much more often. Plaid (or similar) integration seems like it would be outside the core competency for this tool. It might be better to just link to a tool that already does live account linking, like YNAB/Mint/Empower. Not sure if theres APIs for that though.

I’m also thinking the near perfect all in one tool would be a marriage of Kubera and PL. Kubera can cover the account linking, balance updates and performance analysis, and PL can cover all of the planning and modeling, it would be near perfect!

I actually think it would be better not to pursue this. It’d dig into your margin if you used Plaid or force prices up, cause all kinds of support noise, and honestly detract many people with privacy concerns.

I mean shouldn’t it be an option i.e. subscription tier that does automatic linking using plaid if you don’t want it don’t pay for it

I would never use it personally but having it as an option would be fine. I main thing I like about this is not having to link accounts because I don’t want that information being spread around.

I second either mint or empower – they’ve already done all of the API work from there!

Tbh linking accounts even in combo w/ a 3rd party provider is a job for a complete team (just check out what maybe.co tried - and failed at). Plus a lot of ppl are concerned about giving away access to their brokerage accounts.

Long story short: so far I guess PDF imports (I know this sounds old-fashioned) is the way to go.

At least for europe their are import projects open sourced @ github

I agree. I subscribe and use YNAB but also started a subscription on PeojectionLab to analyze my financial options.

I currently Use Xero, its a great example of Intergration to Bank accounts, works well in Australia.

As an individual, this becomes important as you have more accounts. Especially as you have 20+ accounts/assets that need updating.

However, I’d be really happy with a CSV bulk export/import feature that updated balances. Especially if it supported exported formats from Empower/Personal Capital or Kubera. Just being able to export and import would be useful, epsecially for those onboarding the first time into ProjectionLab.

https://www.tillerhq.com/201749how-do-i-get-my-personal-capital-data-into-a-spreadsheet/

Personally, I agree with a previous commenter who also does not like the idea of providing access to their accounts. Rather I prefer a way to load your holdings (stock symbols, mutual funds, etc) and the share quantities,, which would then have their share price updated daily. NO SECURITY ISSUES! Even with all the so-called security measures out there, I have personally had my bank, credit card, and even my security clearance account hacked.

Please do this. Going in and updating each month is a pain.

A https://www.yodlee.com/au integration would be nice. Or even just Upbank integration

I would like to integrate with danish banks and investment banks via aiia.eu. I can help with this integration as well.

Would be great to have this feature, please have a look at Finary.com who did integrate with lot of stuff via API pretty quickly

As long as it’s not mandatory. One of the reasons I came to PL was because I didn’t want bank information linked to a planning tool. I’m the kind of person who likes a camera and a phone while wearing a belt and suspenders though, so maybe I’m in the minority wanting my tools separated.

I understand your point. As long you keep the option to add data manually everyone stay happy.

As a financial planner who would like to roll this out to my clients, aggregation is key- at least on the investment side.

Linking of accounts in real time would allow projectionlab to compare its projections with your real-word results, which ultimately improves the product, making it more accurate over time. This could also auto-import other values such as dividend yields (which change over time). Ultimately it could mean way less work to set up, and real-time tracking moving forward.

With Mint EOL EOY I am shopping for alternatives. Lots of people are shopping for alternatives. I believe 50 million users of the Mint platform if I recall. Sounds like a market opportunity!

This would be a great feature, but for privacy and security reasons, I would prefer OAuth to Plaid.

I decided to try ProjectionLab knowing that this feature was not (yet?) available. In the end I decided to cancel before the end of the trail mainly because of the lack of this feature.

my2cents: In theory this would be great, but its a lot of effort to build stable/reliable integrations. There are heaps of other features that should be considered first mainly because this will never fully cover all available options. It’s not a big effort to manually collect/aggregate the information and enter it once a month into ProjectionLab.

TLDR: Great idea in theory but probably not worth the cost and complexity to do it well.

Long Winded Explanation: If this is done it can’t be done with just one connector. Plaid and Fidelity don’t like to play well together. I also have run across a number of other institutions that don’t sync with the various connection offerings (Plaid, MX, Finicity, etc). This is going to drive the need for agreements with multiple data aggregators which is going to come at a cost, not to mention a lot of complexity.

I’ve tried a number of other programs all with automatic connections and I almost always end up doing manual accounts instead because they either don’t sync reliably or properly. For example, my 401k has both Roth and Traditional sides to it. Both of which should be treated accordingly in a financial planning software like this. However every program I have tried only syncs my 401k as a single account due to data aggregator limitations. So again I end up deleting and doing manual accounts.

If we can get an API access to Projectionlab.com then I can build the integration I need between that and my banking and portfolio.

Have you seen the YNAB > PL account sync chrome extension that Zach Whelchel built using the community plugin methods exposed on the early access site? (https://chromewebstore.google.com/detail/ynab-%3E-projectionlab-sync/loeekpinmlccgelapofbejkbnfilfggl)

Some more info on those methods here: https://discord.com/channels/869222901054857216/1071414867950575677

An API separate from this could be interesting though, granted that would only work for folks using the cloud sync data persistence method. If there isn’t an existing suggestion for that, feel free to add one.

Some really great points all around in this thread. Thanks everyone! It’s a lot to think about.

Don’t want this at all, better focus on other stuff

I also don’t think this is as important as other features. Updating account balances a few times a year when I’m doing other tasks like rebalancing is not a huge deal. Watching account balances more frequently can be counterproductive as well.

I would find a ton of value in this. I use Empower regularly and know I would never use it if it didn’t have account linking.

I don’t see how this is viable.. Empower is one of the “better” ones out there and I have to email their support to maintain appropriate connectivity almost monthly. This is despite fairly common companies. They change logins and security enough to make it a pain. The ongoing cost of implementing and supporting this over time cannot be overstated. It would be nice to have everything centralized of course, but not at the cost of the several other improvements that have been suggested. I don’t know how financially well off PL is, but I can’t see this being implemented and sustained on the cheap…

Syncing automatically with banks, brokers etc… in the end can be painful. Needs to resync the 3rd party apps frequently, introduces risk of blocking these accounts, potentially introducing cyber security threats. Finally I changed my mind and I prefer the manual process :), perhaps being able syncing with an excel file would be nice.

One thing I found helpful is using something like fidelity full view to have an aggregator, then just grabbing those values to just populate into current finances. I see this tool as a finance projection (as the name implies) tool, not a budgeting app. I’d rather Kyle spend time on honing the projection aspects of the product, and not trying to become next Mint

WealthTrace has very nice integration with brokerages, banks, etc. including bringing in information about % in stocks, % in bonds, etc. But the other features like future projections including Monte Carlo are more important to me than balance updates.

I would view this as more of a nice to have given the role that this app plays with my day to day with clients. i think there are bigger band for buck items out there that would be more valuable, i.e. account drawdown features or enhanced monte carlo, etc..

Many other sites successfully use multiple integration partners as fallbacks so they can get the best connectivity. This is something that I really need for Projection Lab as I have way too many accounts to update.

I have been using other tools that claim to have this integration working - Mint, New Retirement. Personal Capital. It always breaks for investment accounts with 2 factor authentication. I also think from security perspective it is better not to. It of course depends how many accounts people have and much change happens. For my personal use I can do it manually without any issues and not worry about my passwords being stolen.

negative for a long term planning app. I don’t need to micromanage every single days update as it’s not relevant long term anyways.

I’ve yet to use a live update that doesn’t have constant issues up stream due to authentication changes. empower, mint,etc you name it i stop using those mostly i only have a short bit of time i don’t want to spend 30 minutes putzing with “re-validation required” every other day. It’s also requires extensive permissions from the upstream providers to data, empowers fidelity linked requires a lot of stuff due to micromanaging individual transactions that i do not want to provide empower for privacy reasons. IMHO It takes away from more valuable long term features.

I am deciding whether to pay for PL and the fact that I can’t have real numbers updating is making me lean towards not pulling the trigger. The ability to define asset allocations in more detail would help but still wouldn’t be sufficient. This tool is gorgeous with tons of functionality but without ‘real’ data in there it’s not providing real insights.

When considering signing up, I as well thought this was a major miss and hoped that PL would implement this feature at a later date. Now that I’ve used it for 4 months, I’ve realized it really isn’t needed. Here is my thought process, this is a long-term financial modeling tool, not a month to month tracker for investment growth and budgeting. When considering the primary use for long-term modeling, I just really don’t think it provides much value. I update the balances once a month, although even that is probably not needed. I use Monarch for budgeting and month-to-month investment picture. Hope this might help when considering this tool, because it really does seem to be best in class.

I would vote for just exposing a secured CRUD API for Current Finance/Progress Points and letting the community build their own plugins/scripts for handling real-time updates on their own accounts. That way there can be multiple solutions to make everyone happy.

Please support Canada users with MX Technologies connections

Plaid is a hit and miss with Canadian brokerages and MX would work better sometimes. Would be great to support both Plaid and MX

Would love to see this feature even with the understanding the links need refreshing something.

I have used other tools that offer this feature and I have discontinued them all and do manual updates to spreadsheets mostly.

In my experience, the auto-updates fail more often than not and it takes far too much time to keep the links active. I could see this feature becoming a headache for the developers of PL without much benefit.

As a planning tool, I think PL development time could be much better placed elsewhere.

I agree and disagree. I agree that the efforts of the PL team are much better used adding other features. There are tons of other tools that can auto-import balances (reliably… this is where I disagree with your experience). PL isn’t a day-to-day actual balance tracker nor should it be. It is a tool to do long term planning. After the initial analysis, you shouldn’t be coming back here a lot. You only need to come back from time to time (quarterly? bi-annually?) to see if you are on track. It is easy to update the account balances manually for those few times.

I really think Carlos has the answer here.

I would vote for just exposing a secured CRUD API for Current Finance/Progress Points and letting the community build their own plugins/scripts for handling real-time updates on their own accounts. That way there can be multiple solutions to make everyone happy.

Or link to my Quicken account which links to all of my accounts.

I’d be a downvoter of live sync. - Best in class is fabulous value proposition! PL excels at financial planning functions that are not widely available (e.g. long-term planning, international tax, milestone triggers, scenarios, montecarlo testing, …) - Granular account information and live/current data is not relevant to long-term financial planning. To my knowledge, Certified Financial Planners do not base forecasts on granular, live financial data - Many personal finance apps provide tools for everyday, short-term topics - such as budgeting, account balances, investment values (I use a great MacOS app). As such they use feeds + current data. But their functionality, if any, for long-term financial planning is generally dreadful. These tools are complementary to, not replacement for, PL - Data feeds can drain support staff. And some countries have lousy feeds (a major financial tool terminated support for Canadian banking feeds in 2023 due to unreliable feeds and support impact) - Developer time is a scarce resource. I’m super excited to see what further financial planning magic is ahead

I understand that a small development team makes it difficult to hit all their goals. However, the new v4 version broke plugins, and without this feature, it is a giant pain to input all the different accounts both my husband and I have to track this information. At this point, I might as well use PocketSmith for the limited functionality it does have, at least I don’t have to constantly ask my husband for either his login information or his balances every month or so to check overall finances (due to separated finances).

The plugin system should not have changed in v4. e.g. I tested the YNAB sync extension again today, and that worked normally. If you’re having trouble with a specific plugin, I’d recommend reaching out on one of our support channels and/or contacting that plugin’s developer.

This works pretty well in Australia there is an Open Banking API.

https://frollo.com.au/open-banking/

Agreed, I would just appreciate a way to make this happen, and then I could make it work on my own

I would rather see the team work on other features than this. International support when it comes to a sync tool is always terrible and their performance is flakey.

I like the deliberate process of entering in data to see how a month has progressed.

I appreciate the burden for advisors to have to do this job. Perhaps that needs a different solution 🤷‍♂️

Boldin (fka NewRetirement) has this feature. It can be integrated through providers like Plaid.

Actual Budget supports syncing via https://beta-bridge.simplefin.org

I don’t think this is worth the effort and I would definitely rather see time/effort spent on other things. Real-time account updates is probably never going to work quite right in all cases and it’s just going to become a support burden. Also, it doesn’t really make a lot of sense for a tool designed to deal with life-long projections, e.g. someone’s day-to-day financial fluctuations should not matter in that scenario.

Agree with Angelo. It’s likely more useful/important to CFP’s with multiple clients, but not critical for the masses. I’m an 11-year user of Personal Capital’s Net Worth tool (now Empower), which attempts to keep accounts current. Nearly every time I open the app, there is at least one account that needs “fixing”. Can’t imagine the support nightmare to add that capability here, especially with stronger and stronger account security measures like 2FA and the like. It’s a nice-to-have, sure, but support demand might skyrocket.

Maybe at some point PL can partner with an account aggregator (whoever supplies account info to Empower and Fidelity Full View for example) to simplify data collection.

In lieu of not developing direct support for pulling in balances, I think it would be helpful to directly support import mechanisms from other vendors like Monarch, Empower, or others rather than having custom extensions. I personally use Monarch for my budget/expense tracking and the chrome extension that is recommended is currently just a web scraper and requires another purchase of $15/year to use. It’s also unlikely to be consistently maintained in the same way that other features on this site would be (assuming that the developer of that extension is not actually a part of your team).

Founder of Exirio (www.exirio.com) here. We love your planning app. If we could feed the current wealth data through an API, we could instantly grant Users the ability to track and plan their finances seamlessly across both platforms.

There are many security and privacy risks with linking all these accounts and the links fail frequently, giving a false sense of security that everything is up to date. Anyone who has ever used Quickbooks or competing apps for several years in a real business knows what I’m talking about. Credit card number changes? Unlinked. Authorized user changed? Unliked. Login details change? Unlinked.

Good article on linking accounts: Money.usnews.com/money/personal-finance/articles/how-safe-are-budget-tracking-apps

There are safer ways to do it than Yodlee or Plaid that pull information (read-only) without having to give access to a web scraper that if hacked can act maliciously on your behalf.

I’m voting for this, but honestly I stopped using PL as soon as I saw it wasn’t possible. I have many (20+) accounts at numerous financial institutions and multiple 401k accounts at various other companies. Putting all the balances in a spreadsheet once a month and then updating them all cumbersome and just unnecessary in 2025. I’ve used many other tools, including “professional” ones like Income Lab and MoneyGuide Pro. They all do it. I also use QB for personal and business, and I don’t have the same experience with problems as some others here report. For me, this is a dealbreaker and prevents me from even getting to see how the product works.

Empower is terrible at imports, so I wouldn’t base my decision on them. I’ve used a lot of automated import products, and Empower is dismal. Trying to get them to resolve anything, especially with a “free” plan, is pointless, too.

I use investment software that has transaction retrieval and reconciliation capabilities. It uses the OFX (Open Financial) to do such. This is would be great addition to the PL.

Agreed, or Yodlee

Please don’t use Plaid or any other aggregator that doesn’t consistently use proper OAuth2.0 flows. They don’t deserve anyone’s money. YNAB switched from Plaid to MX and its been a big improvement.

Oh good to know, thanks for bringing this up Andrew!

Were you able to use “professional” ones like Income Lab as a DIY Investor? Or are you using them as a CFP? I wanted to use Income Lab, but it appears it is not available to DIY Investors.

Simply Safe Dividends uses Yodlee, which seems to have worked well over the last couple of years.

Would love to see this feature come to the application!

I am new to this tool and impressed by what I have seen so far!!!. I’ve used eMoney, Bolden (New Retirement), Empower, Monarch (for budgeting). I’m currently using Right Capital, for planning and would love to switch, but am unsure given no external account integration. You have so much that is awesome, that it would be great to see account integration!

This is the one missing feature that is still keeping from canceling my other tools. I know syncing comes with some support pains but this would put PL easily on top of the competition if added.

I’d like to give I put on now this is implemented if you decide to do it. We are not willing to share our logins to our financial accounts to link them. Its just a huge security risk. However, you could instead use the institution’s API to connect read-only. Fidelity has this level of access, for example. So, I’d like to ask you to look at doing connections this way rather than using Plaid or other services that require using our account logins. Thx!

I’m really disappointed that I got a one year subscription and then learned that this most basic of features isn’t available. How is that possible? Y’all need to provide that information up front - I don’t know of any competing offering that does NOT offer this, it’s standard.

I would happily pay extra for this feature if affordable. Tired of copying and pasting.

Hmm, maybe I’m an outlier, but one of the reasons I was attracted to ProjectionLab was it’s lack of any connectivity to my financial accounts. ProjectionLab (and many of its peers) don’t attempt to factor in things like asset-allocation/etc that would make it difficult to manage without some kind of deep inspection of your investment accounts. Instead, ProjectionLab just cares about total dollar-amounts – and it’s running long-term projections, which is not something sensitive to day-to-day fluctuations of the stock-market (for example). Is there value in implementing and supporting the kind of feature you’re requesting? Perhaps. But the bang-for-the-buck to just pull a few dollar amounts seems questionable (unless you have dozens of accounts – in which, you’re probably the outlier).

I agree with Angelo and some of the other comments. I don’t think a long term planning tool needs very frequent syncing with savings. I certainly wouldn’t link our accounts. For me, I set up PL to have the high-level account. I.e., an acct for my IRA, then an acct for my Roth IRA, and one for the brokerage, cash, etc. Then there are the same accounts for my husband. So in our PL Plan, we have 8 total accounts. I don’t feel the need to update their $ amounts very frequently. I never a quarter would be plenty.

Anyway, that’s how I’m using PL.

Oops, “I never a quarter” should be “once a quarter”.

A must have capability for accurate on time planning and analysis

To subscribe I would need this feature, I would want to use this app as both a long-term planning tool as well as a day-to-day check-in of net worth and budget (similar to Personal Capital). Manually updating balances is not a good use of time.

I want to caution everyone about the downsides that such a feature might bring. It’s a privacy matter. Services like Plaid will make it real easy for developers to not only get balances but up to 2 years of transaction history. I really like that projection lab doesn’t need me to connect any bank accounts. in fact I would probably not use Projection Lab if it had to connect to all my accounts in order to give me access to simulations. I love that it is very much privacy-preserving. I’m not asking to veto this feature. I just want to make sure that it doesn’t come at the cost of privacy.

This is inaccurate. Services like Plaid let users determine the extent of the data being shared. Also, if you’re entering the same data manually, how are the privacy considerations different?

The third party can be hacked or breached and your account information all over the dark web. You do not have control over the third party (e.g. Plaid)’s data collection practices. There is a reason these services are free: they want your data. If you put all your accounts in one service, you are making it easier for bad actors.

This is true of any service provider, including the very companies you bank with. In the specific case of Plaid, they were almost bought by Visa - they stopped the sale only because of regulatory pressure. Visa has never been breached and would likely only purchase a company with similarly high security standards.

Linking accounts is a MUSt in a financial planing software. If someone wants manual input that will be available anyways.

As I noted before, I am also not keen in having another place where potential hacks can access my logins. However, my nerdy need to check growth over time requires some sort of verification of account balances. My solution: allow each client to create a portfolio which is a mirror of their “real” account. This would require ProjectionLab to update share prices each day. Now before all the complaints of being too much work, etc....really, how often do you trade? This is how many of the Dividend Tracker programs run and it suits me well.

I am sure this can be implemented with a simple toggle of manual entry and no linking for people that don’t want it and are concerned for privacy. If you don’t want to link accounts you don’t have to. No need for your privacy concerns to affect people who would want the feature.

Do people start to see the picture now that another 180 million Gmail accounts were hacked this morning

No, because people are asking for the option, not making linking accounts a requirement.

@hungry, Go make a different issue for the feature prefer instead of lobbying against the feature here that we want. No one is making you use account linking. Everyone is really clear on your preferences. You don’t need to keep repeating yourself.

I’m another Monarch (https://www.monarch.com/) subscriber, wondering if they provide any potential integration points that ProjectionLab might leverage. Thanks!

Wow.. in 2026 this is unacceptable to not have the -option- for pulling in data from financial institutions.

I like PL and want to go for lifetime membership, but the lack of this feature will steer people toward Boldin, Pralana and Empower (free).

Who has the time to do this manually? Also, for the privacy-focused, like myself .. the risk is very very very low to have encrypted aggregators pull your data in.

Two things that are a must in software such as PL:

1. Data aggregation - I want to log-in and see my up-to-date info as of today.
2. Two factor authentication to log in.

No idea about bolden and pralana but empower is useless with its constantly broken live updates with many providers which require constant token refreshes with certain smaller brokerages , broad permission requirements i stopped logging in. Maybe if youve only experienced it with a couple of key ones that work consistently which there are that do. But agree this option will happen due to marketability

Yeah. Good to get some confirmation that Empower’s constantly-broken brokerage links is not just my own experience. Their “customer support” is also non-existent. I’ve also been using Boldin for a couple of years (went there before PL) and their brokerage links are much more reliable than Empower’s.

Currently, I use Boldin’s balance updates as input to PL, because I have many accounts in different places. The most annoying thing is that I can’t control the order in which accounts appear in Boldin (the order appears random). So I manually sort the accounts in PL to match Boldin. One day, maybe I’ll write a JS snippet to extract the balances from Boldin and create JSON balance update to import into PL. :-)

I have had a good experience with Empower over the years. I have had Empower links broken in the past, but not for a couple of years now, except for a few temporary (1-2 days) issues that resolved themselves with no input from me.

I used to have lots of accounts at lots of places, but I’ve made an attempt to simplify recently and have consolidated to mostly Fidelity as they can do anything it seems and they have top notch CSRs. I use Fidelity and another large brokerage as well as a major online bank. They all seem to work fine with Empower.

I really like the Empower asset allocation page, it is smart. For instance it automatically categorized Taiwan and Korea as developed nations, so it knows that only 2/3 of my EM ETFs are actually emerging markets.

I don’t know how “normal” people are going to use PL without being able to link to their accounts.

I really want to make PL my main software as I like it a lot. I just don’t want to do the extra work to get my data into PL, as I have enough work to do in my life atm :)

empowers issues are mostly with select brokerages which is not hard to hit once you step down from the big brokerages. Some you can’t automate anyways (treasury direct, small credit unions, 529s haven’t moved from smaller brokerages, pensions , etc) there will always be something needing manual entry or overriding. For common cases things work, empower and allocation and some of fidels own tools and others doesn’t work for some things (commingled funds for example) so i still have to drop to manual and spreadsheets.

Don’t trust the fideelity screen numbers, drop to reports. Fidelities screen % YTD return can be wrong, due to EOY dohickery. It’s computed from jan 1st to whatever date you select, and jan 1st is a holiday. EOY corrections happen between dec 31st and jan 1st. If a big transaction comes in dec 31, and is corrected on jan 1st boom huge loss or huge gain. You still have to verify by going to dec of prev year, jan to whatever date. But it’s best to manually run your report jan 7th or something. I called fidelity and after they told me where that calc comes from on certain screens, and i dug into monthly data. I asked them “man do you now have people wondering how they got a 35% return?”.

Answer was a straight up, “there’s no one that astute that calls in”. Which is scary really it’s all on cruise control. So every x months and EOY I pull a report from jan 7th -> whatever date to rule that out.

That big transaction also borked up empower..forever.

I appreciate your detailed response about your issues with Empower Shannon. I got a chuckle out of your use of the word “dohickery” .. I’ve got to use that word more!

I guess it’s what one wants out of Empower. I rarely type anything in. I generally know my I-Bonds balance (I check it once a year or so), I also know my general level of investment in RE equity and RE debt, I have an old tiny pension that will start to be distributed in 20 years or so. –> All of these require just a yearly update in Empower by entering them manually and they will show up as “Manual Investment Holding” with the investment name under it, I-Bonds, RE, etc.

There is one extremely valuable page on Empower - the Asset Allocation page. That’s basically all I use. I adhere to the “strategy over outcome” idea that if my AA is reasonable, then don’t worry about the small stuff.

I have yet to have any of these tools accurately show returns. I move money around a lot and they all think that a deposit from one account to another is an investment gain!

I’m curious, how long does it take you to import all of your data into PL?

I just read your post again.

I’ve never had Empower work for 529 acct either. I just create a manual entry and add DGEIX as 100% of holdings and it continually updates, but probably doesn’t consider dividend distributions.

My understanding is that a spreadsheet (Excel or Sheets) is best for accurately tracking net worth, but it is labor intensive.

Have you found any automated ways to keep track of your portfolio in a spreadsheet?

never had luck with anything. budgeting apps required lots of manual/re-categorizing, zelle venmo stuff (some of out big expenses are those, tutoring, hair, dogs, etc) I just stick to a budget check balances eom drill/investigate if that’s wack.

Auto Portfolios not because my biggest % are 401k commingled funds in , my wifes isn’t. I update PL every 6 months, big swings are to be expected and i did better ignoring stuff long term. Looking at diversification I just every 6 months look at the reports breakdown, put the value of that fund (or stock or whatever) in a spread sheet, the report tells my the diversification % sector, international, so i put that, and it gives me the amounts. In between i may spot check divs of biggest funds and compare to my sheet.

So that’s done for every fund, stock, bond,etc (another reason i’m having and should be simplifying never read anything that said you should have more than a few funds.). From there i can tell my exposure of our too much crap to the major sectors, and domestic, international, from that spread sheet i can have a scenarios

say 30% drop in tech or realestate. % drop in international or domestic. % drop in tech + realestate (which are biggest chunks of my net). % drop in global.

I run PL scenarios for those and other life what ifs in between. That’s how i can check my progress “what did my return need to be / account this year on PL reports page”, compared to running fidelity return $ reports and seeing if i’m on track.

So that huge drop during tariffs i was calm as i knew my rough worst case scenarios as it was largely domestic. Biggest weakness i have with too many funds we’ve collected over the years which i’m consolidating i can’t quickly tell complete exposure per company (nivida) or sub sector (ai exposure for example). I plan to drill down into the top X holdings and break that out…but yeah once i get below major sector it’s a little tedious. If i used an auto tool it may work not sure they don’t like the commingled one’s which is my problem, unfortunately those have been my biggest performers for ages....it’s 50/50 of the total so work either way.

i think like all these tools they work for normal scenarios a few funds, few stocks, a 529 a mortage,etc.

Anyways professionals need this though lots of clients sure would freak if they saw what the data permission requirements are, and don’t know what read only token, encryption transit storage,etc. PL only needs account type and balance though,.

..sec stuff, I worked in oracle support for ages until recently and the worst thing are the the lawyers…customers are completely dark for sensible reasons. lawyers and liability. Nothing gets said or released until it’s long in the wild some of the biggest exploits last few years in libs and products take quite awhile for a downstream product to acknowledge if it’s affected (1 or 2 months), nothing will be said until there’s a fix. In the meantime you get quoted official security policy which is basically wait for acknowledgement and patch if so. That is how it works everywhere.

Read the fidelity permission disclosure when you link. You are dissolving them of any liability. I know it’s extremely safe if not practically impossible worked with customers (support not high level) on encryption at rest, transit, read only tokens, no passwords involved, stored, etc. but on my major accounts? i couldn’t get myself click yes to that on a large account.

not to vote against this feature. just optional. Just saying if there was a yodlee exploit, when you click, fidelity says they can’t be liable.

I’m dropping my subscription until this becomes a reality.