VestClaw IQ

VestClaw IQ is your complete financial command center, bringing institutional-grade portfolio analytics together with budgeting, cash flow tracking, and economic data in one powerful app.

Whether you're building your first budget or analyzing a multi-account investment portfolio, VestClaw IQ gives you the clarity to understand your full financial picture.

KEY FEATURES

Institutional-Grade Portfolio Analytics
Efficient Frontier visualization to compare risk and return
Sharpe Ratio, volatility, and expected return metrics
Diversification scoring across sectors and asset classes

Portfolio Overview
Track your total net worth across all connected accounts
Real-time syncing with banks, brokerages, and retirement accounts
See all your institutions and account balances at a glance
Save up to 4 custom account groups for faster filtering across Holdings, Investments, Sector Breakdown, Security Concentration, Income, and Expenses

Benchmark Tracking
Compare your portfolio performance to the S&P 500
Period and money-weighted returns (MWR)
Performance charts across 7D, 1M, YTD, 1Y, 3Y, and All time

Economic Indicators
US Treasury yield curve analytics vs. historical averages
GDP nowcasts, yield spreads, housing, and industrial production vs. the S&P 500
Real and nominal yield analysis with TIPS data
Powered by the Federal Reserve (FRED)

Portfolio Insights
Diversification alerts when holdings are concentrated
Cash drag indicators when money sits idle
Insights based on your actual holdings

Tax Insights
See potential wash sales across all your linked accounts
Estimated short and long term realized gains and losses
Add your own cost basis when we can't pull it automatically
Tax information only, not tax advice

Equity Compensation
Value your unvested RSUs in present value terms, not just today's price
Adjusts for time to vest and forfeiture risk using live Treasury yield data

Income & Expense Insights
Estimated trailing 12 month distributions across your holdings, with a per holding breakdown and a coverage figure
Estimated fund expense ratios across your ETFs, mutual funds, and other pooled holdings, with a blended portfolio wide ratio and estimated annual cost
Informational estimates only, not official fund data

Smart Budgeting
Build monthly budgets across income and expense categories
Track actual spending against your planned budget automatically
Identify overspending categories before they become a problem

Cash Flow Analysis
Visualize income vs expenses over any time period
Category-level breakdowns for income and spending
Spot trends in your financial habits

Risk Profile Assessment
Personalized risk tolerance assessment
See which allocations align with your investor profile
Understand what conservative, moderate, and aggressive profiles look like

Retirement Planning
Real-return math in today's dollars, no nominal-dollar confusion
Monte Carlo simulations powered by Federal Reserve (FRED) data

Goal Setting & Wealth Transfer
Set financial targets and track progress toward them
See what beneficiaries would receive after debts, fees, and estimated federal estate tax
Estimates only, not legal or tax advice

Secure Bank Connections
Powered by Plaid, bank-grade, read-only access to checking, savings, credit cards, brokerage, and retirement accounts

PREMIUM SUBSCRIPTION
Unlocks the full suite of analytics, optimization tools, and account connections.
Charged to your Apple account; renews automatically unless canceled at least 24 hours before the period ends.
Manage or cancel in Account Settings.

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Take control of your finances today with VestClaw IQ.