Investments & net worth

Double-entry brokerage ledger, real cost basis, per-position gains, and an honest net-worth line.

Ember treats your brokerage accounts with the same rigor as your checking account: a real double-entry investment ledger, tax lots you can plan around, and a net-worth picture that includes everything you own and owe — not just cash.

A real investment ledger

Buys, sells, dividends, and reinvestments sync from your brokerage into proper ledger entries with a cash leg and a position leg. That means your investment history reconciles the same way your checking account does — every dollar that entered or left is accounted for, and market movement is tracked separately from your own contributions.

Holdings at a glance

The holdings view shows every position across all brokerages: quantity, cost basis, market value, and gain/loss, with asset-class badges and CSV export. One page answers "what do I actually own?" across every account.

Tax lots and the sell planner

Ember tracks tax lots — when you bought, how much you paid, and whether the gain is long- or short-term. The sell planner turns that into money saved: tell it how much you want to raise, and it picks which lots to sell to minimize the tax bill, comparing strategies (highest-cost, FIFO, LIFO) against your tax bracket. Lots import from a CSV if your history predates Ember.

Margin, mortgages, and the full picture

Margin loans in brokerage accounts are netted properly into your net worth instead of hiding inside an inflated cash balance, and margin interest is labeled as what it is.
Mortgages and loans sync as first-class liabilities, with each payment decomposed into principal, interest, and escrow — so paying your mortgage moves your net worth by exactly the principal, not the whole check.

Net worth over time

The net-worth report shows assets versus debts month by month — a diverging bar chart backed by a monthly summary table and per-account breakdown, exportable to CSV. Because it's built on reconciled balances and a double-entry ledger rather than scraped estimates, the trend line means something.