netclariq vs. portfolio tracking tools
Portfolio trackers are excellent at measuring what you've already invested, but they operate in isolation: they don't know you have a mortgage at 3% or how much you save each month, so they can't help you decide between paying down debt and investing more.
No formulas to maintain
Every entry updates net worth, budget and portfolio automatically, checked with simplified double-entry bookkeeping.
No bank credentials required
No open banking or standing permissions: you log entries manually or import a CSV, and your bank login stays with your bank.
One consolidated figure
Accounts, debts, property and investments in the same view, with a monthly net worth history.
| Criterion | Portfolio tracker | netclariq |
|---|---|---|
| Portfolio tracking | Their specialty: positions, prices and returns | Positions with market prices, FIFO cost basis and IRR per portfolio and ticker |
| Tax reporting | Generic or built for a different country's rules | Realized gains and losses by tax lot, ready for your own tax filing |
| Portfolio cash | Broker cash balance is often ignored | Investment accounts with balances and transfers from your other accounts |
| Rest of your net worth | Out of scope | Accounts, debt, property and other assets in the same figure |
| Debt vs. invest decisions | Doesn't have your debt data | Multi-year simulator with real amortization schedules |
| Where the data comes from | Usually requires connecting a broker or uploading reports | Manual entry or CSV import, no credentials required |
| Consistency with savings | Contributions disconnected from the budget | Every contribution is a transaction with an origin and a destination |
Return with context
Knowing your portfolio returns 7% a year is useful; knowing that you're also paying 3% on a mortgage and saving 22% of your income is what lets you actually decide. That context is what having everything in one tool provides.
What netclariq isn't
netclariq isn't a broker or a professional market data source: prices are refreshed periodically to value the portfolio, not to trade on.
When netclariq isn't your tool
We'd rather tell you now than after your 30-day trial.
- If you day-trade or need real-time market data
- If you're looking for technical analysis or trade execution
Frequently asked questions
- Where do the prices come from?
- From public market data sources, refreshed periodically to value positions.
- Does it calculate IRR for each portfolio?
- Yes, along with average FIFO cost basis and realized gains by year.