Investments & net worth

Double-entry brokerage ledger, cost basis, per-position gains, one net-worth line.

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

Investments are part of Ember Pro, which is on the roadmap and not part of the private beta. This page describes them as designed. Net worth from account balances is in every plan.

The investment ledger

Buys, sells, dividends, and reinvestments sync from your brokerage into 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 own?" across every account.

Tax lots and the sell planner

Ember tracks tax lots, meaning when you bought, how much you paid, and whether the gain is long- or short-term. The sell planner takes the amount you want to raise and shows which lots the sale can come from and the gain each choice realizes. Lots import from a CSV if your history predates Ember.

Margin, mortgages, and the full picture

Margin loans in brokerage accounts are netted 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 liabilities, with each payment decomposed into principal, interest, and escrow, so paying your mortgage moves your net worth by exactly the principal, not the payment.

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.