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 your portfolio against optimal risk/return combinations
Sharpe Ratio, volatility, and expected return metrics
Diversification scoring across sectors and asset classes
Min Variance and Max Sharpe reference portfolios for comparison
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 returns and money-weighted returns (MWR)
Performance charts across 7D, 1M, YTD, 1Y, 3Y, and All time
Economic Indicators
US Treasury yield curve analytics: current curves vs. historical averages or past dates
GDP nowcasts, yield spreads, housing, and industrial production charted against the S&P 500
Real and nominal yield analysis with TIPS data
Economic 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, not limited to a single brokerage
Estimated realized gains and losses, split between short term and long term, for the current tax year
Clear flags whenever data is incomplete or unavailable, rather than guessing
Tax information only, not tax advice; consult a tax professional
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 economic data from the Federal Reserve (FRED)
Project whether your savings are on track across a range of outcomes
Goal Setting
Set financial targets and track progress toward them
Monitor how your net worth grows toward your goals
Secure Bank Connections
Powered by Plaid for trusted, encrypted bank connections
Connect checking, savings, credit cards, brokerage, and retirement accounts
Bank-grade security with read-only access
PREMIUM SUBSCRIPTION
VestClaw IQ Premium unlocks the full suite of institutional-grade analytics, portfolio optimization tools, and account connections.
Payment is charged to your Apple account upon confirmation
Subscription automatically renews unless canceled at least 24 hours before the end of the current period
Manage or cancel your subscription in your Account Settings
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Take control of your finances today with VestClaw IQ.