Frequently Asked Questions

PortWorth is a private wealth dashboard that consolidates your entire financial picture: ASX and US equities, Raiz micro-investing, crypto, superannuation, property, cash, physical assets, loans, and budget, all in one place. It provides real-time price data, AI-powered analysis, and advanced simulation tools. It is not a financial adviser and does not provide financial advice. See the Getting Started guide.

Yes. All data is encrypted in transit (HTTPS/TLS) and stored with per-user key isolation. Authentication uses HMAC-SHA256 JWT tokens with optional TOTP two-factor authentication and Passkeys. Your adviser cannot see your portfolio holdings or balances. Read more on the Security page.

Two themes: Dark (default, deep obsidian) and Parchment (warm light beige). Switch from the header; your preference is saved to the cloud so it follows you across devices.

Yes. PortWorth is available as a Progressive Web App (PWA): tap Share → Add to Home Screen on iPhone/iPad, or the install prompt on Android. A native iOS app is in the App Store. The dashboard is fully responsive and works on any screen size.

PortWorth offers four tiers: Free, Essential ($19/mo), Advanced ($49/mo), and Private Office (custom). The CGT report and its CSV export are on every plan, including Free. AI analysis and the automated weekly reports are on Essential and above. See the Pricing page.

Free tracks up to 10 holdings. Everything else on the plan is uncapped: live prices, the CGT report and its CSV export, property, super and cash all work the same as on a paid plan. There is no card and no expiry — it stays free rather than running down a trial clock. Passing 10 holdings prompts an upgrade rather than removing anything you have already entered. AI analysis and the automated weekly reports are not on Free at any holding count.

ASX prices from Yahoo Finance (15-minute delayed). US/Wall Street prices from Twelve Data. Crypto from CoinGecko. FX rates (AUD/USD) from Twelve Data. Prices are cached for 5 minutes across all users; a banner appears if the cache is more than 30 minutes old.

On any holdings tab, click Record Trade. Enter the date, ticker, units, price per unit, and brokerage fee (defaults to $9.50). The brokerage is factored into your cost basis, so P&L and CGT calculations include fees. Full instructions in the Record a Trade guide.

Unrealised P&L = (Current Price × Units) − (Purchase Price × Units + Brokerage). For Stake/US holdings, P&L is calculated in USD then converted to AUD at the current FX rate. This means your AUD P&L changes with exchange rate movements even when the stock price doesn't.

Net Wealth = Total Assets − Total Debt. Assets include CommSec, Stake (in AUD), Raiz, crypto, cash, super, physical assets, and property. Debt includes all mortgages and loans (HECS, car loans, credit cards, personal loans). Toggle categories on/off using the buttons in the Wealth Summary panel.

Uses FIFO (First In, First Out) matching: earliest buys are matched to sales first. Buy brokerage increases your cost base; sell brokerage reduces proceeds. The tool applies the 50% CGT discount for holdings over 12 months. Tax-saving estimates on the loss-harvesting tools use a selectable marginal rate, defaulting to 47% (top bracket plus Medicare). The Reporting tax position calculates your marginal rate from your own recorded income instead. Always consult a registered tax agent. See the CGT Calculator guide.

Yes. Supported platforms: CommSec (ASX), Stake (US stocks), Interactive Brokers (IBKR, ASX/US mixed), Raiz (micro-investing jars), Vanguard Personal Investor, and dozens more including Superhero, Pearler, CMC Markets, eToro, Webull, Trading 212, and Freetrade. Crypto is entered manually with any coin supported by CoinGecko.

When a split is detected (via Yahoo Finance's corporate actions), a banner appears on your dashboard offering a one-click SPLIT trade. This adjusts your unit count and cost base automatically while preserving the original acquisition dates for CGT purposes. You can also add a split manually from the trade log.

Spending Pace compares how much of your monthly budget you've spent vs. how far through the month you are. Under budget (green): pace ≤ 0.9. On track (gold): 0.9–1.1. Overspending (red): > 1.1. It updates in real time as you add transactions.

Set a savings target per week, fortnight, or month. PortWorth tracks your actual savings (income minus expenses) against the target, pro-rated for how far through the current period you are. The indicator shows whether you're on track to hit your goal.

Recurring entries automatically generate budget transactions based on frequency: weekly, fortnightly, monthly, quarterly, or annually. They appear from their start date forward. Use the projection toggle (Month End, Quarter End, custom date) to see upcoming transactions before they occur.

Yes. Toggle Links to Investment when creating a recurring entry to split the payment across Raiz jars, CommSec or Stake holdings. Enter a dollar amount for each destination and the percentage is worked out for you; the amounts have to add up to the entry total. You can also link an entry to a savings goal so its progress bar updates automatically each time the entry runs.

Cash Flow shows projected inflows and outflows over a rolling period, combining your budget recurring entries with upcoming investment events. It helps you spot months where expenses exceed income before they arrive.

Runs thousands of randomised simulations of your portfolio's future growth, each drawn from a normal distribution with your chosen expected return and volatility. The fan chart shows confidence bands: 5th percentile (worst case) to 95th (best case). Full guide: Portfolio Simulations.

Applies the actual monthly returns from past market crises to your current portfolio: GFC 2008, COVID Crash 2020, Dot-Com Bust 2000, Rate Shock 2022, or the 2009 Recovery. Shows max drawdown, trough value, and recovery path so you can viscerally understand how your portfolio would have behaved.

FIRE = Financial Independence, Retire Early. Your FIRE number = Annual Expenses ÷ Withdrawal Rate (default 4%). The calculator projects how many years until you reach it given your current net worth, monthly savings rate, and expected returns. A planning benchmark, not financial advice. Full guide: FIRE Calculator.

Applies simultaneous percentage shocks across your asset classes and shows the impact on your net wealth, asset class by asset class. Tap one of six scenarios in the What If Scenarios panel on the Performance tab: Market Downturn, a 2008-style crash, a COVID-style crash, a rate rise, a rate cut, or a bull market.

X-Ray breaks down your portfolio by sector, geography, and asset class. It highlights concentration risk, for example, if 60% of your equity portfolio is in one sector. It also shows your effective fee drag (MER-weighted) across ETFs and managed funds.

AI searches Domain, REA, and other Australian property data sources for recent comparable sales matching your property's suburb, bedroom count, and type. It calculates a valuation range based on those comparables. These are AI-sourced estimates, not formal valuations by a licensed valuer. Always verify independently before making financial decisions.

Loan-to-Value Ratio = (Loan Balance ÷ Property Value) × 100%. Most Australian lenders require Lenders Mortgage Insurance (LMI) above 80% LVR. PortWorth tracks your LVR live on the Property tab as valuations update and mortgage balances decrease.

Yes. You can add as many properties as you like: PPR, investment properties, holiday homes. Each has its own mortgage linked to it for LVR tracking, and all contribute to your net wealth calculation. Full guide: Property Tracking.

On the Property tab, click the upload icon on a mortgage entry. PortWorth uses AI vision to extract the current balance from your statement PDF and updates the loan balance automatically. Supports most Australian lender statement formats.

No. The adviser Operations Centre shows only client contact information and system health. It never displays holdings, balances, portfolio values, or any financial data. Your portfolio is visible only to you. You can grant a time-limited read-only adviser share link from Settings if you choose to share it.

Yes. TOTP-based 2FA works with Google Authenticator, Authy, 1Password, or any TOTP app. When enabled, you enter a 6-digit code after your password. Passkeys (Face ID, Touch ID, Windows Hello) are also supported for passwordless authentication. Both are strongly recommended. Setup guide: Security & 2FA.

All data is stored in Upstash Redis, a secure cloud key-value store with per-user key isolation. Data is encrypted in transit via HTTPS/TLS. PortWorth does not store your broker login credentials; holdings are entered manually or via statement upload.

Yes, on Essential and above. Add https://portworth.com.au/mcp as a custom connector in the assistant, and you will be sent to a PortWorth screen to sign in and tick what it may read: holdings, property, trades and tax, spending, document names, entities, or accountant notes. What you leave unticked stays unreadable. Access is read-only: an assistant can never move money, place a trade, or change your data. Be aware that what it reads is sent to whoever runs that assistant and is then held under their terms, not ours, and we cannot recall it. Every read is logged for you, and disconnecting in Settings takes effect immediately. Full walkthrough: Connect an AI Assistant. See also Connected AI Assistants.

Yes. From Settings → Profile, you can request full account deletion. This permanently removes all your data from our systems including holdings, budget entries, notes, and account information, and revokes any connected AI assistant at the same time. Deletion is irreversible. It cannot recall information already sent to an assistant you connected.