What can you track?
- Listed stocks, ETFs, bonds and REITs on US exchanges (and others abroad), priced daily.
- Retirement and tax-advantaged accounts: 401(k), 403(b), traditional and Roth IRAs, HSAs, 529 plans, recorded by balance.
- Your home and other real estate, with valuations you or your AI record, and the mortgages secured by them.
- Crypto, gold and silver, priced daily.
- Cash: checking, savings, money market and CDs.
- Debts: mortgages, HELOCs, auto and student loans, credit cards and margin loans.
- Everything else: private equity, business interests, vehicles, collectibles, money owed to you.
Your AI assistant (Claude, ChatGPT or any MCP client) reads the statements; Worthbase validates, previews and stores them, and does all the arithmetic. Net worth history is kept daily, and a summary arrives by email each week. The base currency is USD, and holdings in other currencies are converted with historical exchange rates.
How are a 401(k), IRA, Roth IRA or HSA tracked?
By balance. You give your AI the quarterly statement or a screenshot of the provider's page, and it records the balance on that date. Each update adds a new dated value rather than overwriting the last one, so you get a history. If an IRA holds ETFs you'd like priced daily, you can record the holdings instead and let Worthbase price them.
Worthbase doesn't know the tax character of an account. A $100,000 traditional 401(k) and a $100,000 Roth IRA both count as $100,000. If you prefer to think in after-tax terms, keep them in separate accounts and look at them separately.
How does it handle brokerage accounts and gains?
Worthbase keeps every purchase as a separate lot, with the purchase amount plus commissions as the cost basis and sale proceeds net of fees. Sales are matched first in, first out by default, or against the specific lots you name.
Realised and unrealised gains and losses are reported per holding, per sale and per owner. Each disposal lists the lots used with their acquisition and sale dates. Dividends, interest, fees and splits are recorded too, so you also get total return and XIRR.
Tested broker exports: Charles Schwab, Interactive Brokers (activity statement) and Coinbase. Other brokers' CSVs and PDFs work because your AI maps the columns, and you check the preview before anything is saved.
Can it track an LLC or a trust?
Yes. Companies, trusts and partnerships can be owners alongside people, so an LLC's brokerage account or a revocable trust's home sits in the same balance sheet with exact ownership percentages, and you can give each entity its own workspace shared with different people. See trusts and companies.
What doesn't Worthbase do?
Worthbase gives you gains and losses per lot, not tax. Specifically, it does not:
- Calculate federal or state tax, or produce tax forms such as Form 8949.
- Use average cost basis for mutual funds.
- Track contribution limits, required minimum distributions or cost basis inside retirement accounts.
Your broker's 1099-B remains the figure you file. Worthbase is useful for seeing gains across several brokers and for lots that moved between brokers and lost their history. It is not tax advice; check tax with your accountant.
How do you get started?
- Choose a plan: US$3.99 a month with a 7-day free trial, or US$49 once for lifetime at the launch price. See pricing.
- Connect Worthbase to Claude, ChatGPT or another AI app.
- Tell your AI your household's members and a USD base currency, then hand it your statements.
Questions
Does Worthbase connect to my bank like Empower?
No. There's no bank or broker sync and no logins. Your AI reads statements or CSVs you share, and you approve each import. See the Empower comparison.
Does it show when each lot was bought?
Yes. Each realised gain or loss lists the lots used with their acquisition and sale dates. It doesn't calculate tax.
Can I use specific lot identification?
Yes. Tell your AI which lots a sale used; otherwise Worthbase uses first in, first out.
Is pricing in US dollars?
Yes. Plans are billed in US dollars outside Australia.
