The Portfolio Tracker at a Glance

The Portfolio tracker rolls your manual accounts and (on Pro) your linked brokerage accounts into one view of holdings, income, history, and forecasts, in your display currency, even when accounts hold different ones.

The Tabs

The tabs are grouped by what they answer, with Settings at the right end of the row. A group with several views opens a second row of them (on a phone, every view is in the one tab menu, grouped the same way). The total value, today's change, and the annual income and yield of the account in view sit under the page title on every tab.

• Overview: your largest positions and top dividend payers, the Value Over Time chart, the 12-month projected income chart with its annual, monthly, this-month and peak-month figures (switch it to Calendar to see each payment on its date), and summary numbers (total value, invested, today's move, unrealized gain/loss, total return).
• Holdings
• Positions: the sortable position table (shares, cost, market value, weight, annual income and yield, gains, total return including dividends), with a heat-map toggle and CSV export.
• Custom Views (Pro): your own table of metrics on every stock and fund you hold, from valuation and margins to debt and shareholder yield, beside your value, weight and yield on cost. The same views as the Watchlist's Custom Views; prices are the ones this page shows.
• Dividends
• Insights: annual income, yield on cost, dividend growth, and payout ratios for each holding. On Pro, the Dividend Safety view adds each company's Safety grade, the same grade its stock page shows. Funds and companies that pay no dividend aren't graded.
• Calendar: the next 12 months of projected dividend income, month by month, and a calendar of every ex-dividend and pay date. The calendar opens on Year when every month fits on the year page and on Month when a month is busier (on a phone it opens on Month, a list of the days that pay); switch any time.
• History: the actual income you've collected, as monthly and yearly charts plus the full payment log.
• Activity: every transaction as it lands (buys, sells, reinvestments, dividends, and the holdings you add by hand or import), newest first. A linked brokerage's trade shows as Pending as soon as your positions change, before the brokerage sends the trade itself.
• Diversification: one Breakdown card. Group By shows your portfolio by holding, asset class, sector, industry, or country, and Weight By sizes it by value or by income. Under the chart, one sentence says how concentrated you are ("Your top 5 holdings are 93% of your value. You're spread like 4.7 equal holdings."). In the Sector view each fund counts as what it holds, and on Value each sector shows the S&P 500's weight beside yours. All Holdings lists every position below.
• Planning (Pro)
• Forecast: dividend snowball scenarios years into the future.
• Retirement: Monte Carlo retirement odds.
• Settings: manage accounts and brokerage connections, notifications, and community sharing.

Opening Portfolio from the sidebar or the tab bar starts on Combined and Overview. If you step away for a moment (into a stock page, say) and come back within half an hour on the same device, it reopens the account and tab you were on.

Initial Dollars Invested and Growth Since You Started

Most trackers confuse "moving money in" with "making money." We separate them:

• Initial Dollars Invested is the cash you actually contributed (deposits minus withdrawals), set per account on the Settings tab or right on the Holdings tab's summary card, and updated by you whenever you add or pull money. Unlike cost basis, it doesn't rise when you trade or reinvest dividends.
• Growth Since You Started is current value minus initial dollars invested (it was called True Total Return). Because that figure counts only outside cash, everything the account produced (price gains, reinvested dividends, dividends sitting as cash) shows up in the number, and transferring in more cash doesn't flatter it. It is the growth over your whole time invested, not a yearly rate, so it doesn't compare with a market index's return.

The Value Over Time Chart

Your portfolio's value is snapshotted nightly, building a history chart from the day you start. Linked brokerage accounts also get roughly two years of history reconstructed from their transaction records. A new portfolio's chart notes that history is just getting started. It fills in as your accounts are snapshotted each market day.

Compare to an Index (Pro)

The Compare menu at the top right of the card puts your return beside the S&P 500, the Nasdaq 100 or the Dow Jones. The value chart counts every deposit as growth; this one takes deposits and withdrawals out, so it shows only how your investments did, dividends included. The index line is its tracking fund (SPY, QQQ or DIA) with dividends reinvested, and both lines start at 0% on the first day of the range you pick (5 days, 1 month, 6 months, year to date, 1 year, 5 years or since the start). While an index is picked, the card's title reads Return Over Time.

• Only real history is measured. For a linked brokerage that is about two years of transactions, so a range reaching further back isn't offered.
• Manual accounts record holdings without trade dates, so their return can't be measured against an index yet. Pick a linked account to compare it.
• If part of an account's history is missing (a transfer or sale your brokerage didn't send), the card says so instead of showing a number that would be wrong.
• Choose None to go back to the value chart.

Free vs Pro

Free includes one manual account with up to 20 holdings, and every tab except Custom Views, Forecast and Retirement (file import, dividend tracking, and value history all included). Pro raises the ceiling to 100 accounts and 5,000 holdings per account, adds brokerage linking via Plaid, and unlocks Custom Views, the index comparison on Value Over Time, and Forecast and Retirement.