What can Australians track in Worthbase?
- ASX shares, ETFs, LICs and REITs, priced daily, alongside US, London and other listings in their own currencies.
- Superannuation, recorded by balance from your fund's statement or website, including an SMSF's own holdings if you track the fund in detail.
- Property: your home and investment properties, with valuations you or your AI record (with a source and date).
- Cash: transaction, savings, offset and term deposit accounts.
- Crypto, gold and silver, priced daily.
- Everything else: managed funds, private equity, business interests, vehicles, money owed to you.
- Debts: mortgages, investment loans, margin loans, credit cards, buy-now-pay-later and tax payable.
You connect Worthbase to Claude, ChatGPT or another AI app once. After that you hand the AI a statement and it records the details; Worthbase previews the change, stores it when you say yes, does the arithmetic and emails a summary each week. See setup.
How does Worthbase track cost bases and gains?
Worthbase keeps a parcel-by-parcel ledger of every buy and sell: cost base including brokerage, proceeds net of brokerage, first in, first out by default or the parcels you choose. From that it reports realised and unrealised gains and losses for each holding, each sale and each owner, with the acquisition and sale dates of every parcel.
- What-if sales: ask "what would we realise if I sold half my VAS?" and see the proceeds, the parcels used and the gain or loss per owner, with nothing saved.
- Transfers between owners, such as shares from you to a family trust, can be recorded at market value.
- Performance: dividends, distributions, fees and splits are recorded too, so you also get total return and XIRR.
Can it handle super, SMSFs and family trusts?
Yes. Every asset and debt has owners with exact percentages. Owners can be people (you, your partner, your kids) or trusts, companies, SMSFs and partnerships, so a discretionary trust's shares, a company's cash and your SMSF's property all sit in one balance sheet, each with its own figures. You can also keep separate workspaces for each entity, shared with different people (your accountant sees the trust, not your personal accounts), and see your net worth across all of them.
A trust is treated as a single owner. Worthbase doesn't model trust distributions to beneficiaries. See trusts and companies.
What about property, mortgages and offset accounts?
Link each loan to the property that secures it and each offset account to its loan. Worthbase then reports each loan's balance and its effective balance after offsets, and each property's value, equity and LVR, splitting a loan secured by two properties in proportion to their values. Property values are manual: record a bank valuation, an agent's appraisal or an online estimate your AI found, with the source. By default Worthbase flags a property value once it is more than 90 days old. More in offset accounts, LVR and home equity and the property portfolio tracker.
Can I import from CommSec, SelfWealth and other brokers?
Yes. There are step-by-step guides for CommSec and SelfWealth, and any other broker's CSV, PDF contract note or screenshot works too, because your AI maps the columns. You check the preview before anything is saved.
What doesn't Worthbase do in Australia?
- No bank, broker or super fund logins, and no automatic feeds. You share statements with your AI.
- No tax: no CGT discount, capital gains tax or income tax estimates, franking credit calculations or tax return preparation.
- No AMIT cost-base adjustments from ETF and managed-fund annual tax statements. If you hold ETFs, check cost bases against those statements.
- No automatic property price feed.
- No budgeting or spending categories, no trading, and no financial advice.
How much does it cost in Australia?
The same numbers as in US dollars, charged in Australian dollars: one plan at A$3.99 a month with a 7-day free trial, or A$49 once for lifetime at the launch price. People you invite, such as your partner or accountant, join free. See pricing.
Questions
Can Worthbase track my super?
Yes, by balance. You or your AI record the balance from your fund's statement. If you run an SMSF, you can track its individual holdings with the fund as owner.
Does it calculate capital gains tax or the CGT discount?
No. It reports exact cost bases and gains or losses per parcel, sale and owner, with acquisition and sale dates. Your accountant works out the tax.
Is Worthbase a replacement for my accountant?
No. It keeps accurate records so your accountant has exact figures to work from.
