⌘K

Good morning, operator.

Your wealth, seen whole.

As of today · all accounts · manual-first

Net worth · live
$—
— 30d as of today
Net worth
—
Loading 12mo trend…
Total assets
—
Across all accounts
Liabilities
—
Mortgages + debt
Accounts
—
— holdings
Allocation by asset classView holdings →
Top 5 insightsAll insights →
Recent transactionsView all →

Operator dashboard

Leading indicators that predict your trajectory. Net worth is the lagging output; these are the inputs you can move.

Healthy ranges (HNW operator)v1.5.0
Savings rate × 1235–55%
Marginal-dollar slotPre-tax tax-advantaged first; explicit order
Cash cushion (months)6–12 months
Debt-paydown velocity>1.5%/mo on consumer; mortgage at minimum
Vesting-pipeline NPVTracked, not optimized
How to read this Each card below is computed from data you've already logged in HELM. If you see "—" or "Set up", that metric needs a quick declaration in Settings (e.g., your monthly burn for cash-cushion math, your deployment-order preference, or your debt list). Educational only — confirm any major shift with your CPA.

Insights

Weekly Claude-generated observations from your data. Educational only — not investment advice.

Ask HELM

Senior-analyst-grade Q&A over your data + general financial expertise. Tax law, options Greeks, RE cap rates, asset location, Monte Carlo, vesting AMT — every domain. Educational only.

HELM analyst
I have read-only access to every HELM record on file plus general expertise across portfolios, options, fixed income, crypto, real estate, private investments, vesting, and US tax law. Ask anything — allocation, tax position, scenario modeling, instrument mechanics. I cite the math and lead with the answer.
⏎ to send · Shift⏎ for newline Educational only · not investment advice

Accounts

12 supported types. Manual-first — works the day you sign up. CSV import for Schwab / Fidelity / Vanguard / E*TRADE / IBKR / Coinbase.

Holdings

Every position across every account. Sort, filter, drill in.

Transactions

Every buy / sell / dividend / transfer. Tax-tagged. Searchable. CSV export.

Vesting

RSUs · ISOs · NSOs · performance shares. Cliff + monthly schedule visualized. Project taxable income at each vest.

Real estate

Mortgage amortization · equity buildup · depreciation · rental P&L · 1031 tracking.

Private investments

Angel · syndicate · fund LP. Vintage IRR · J-curve · capital call schedule · QSBS qualification.

Goals

FI number · retirement · college · custom. Real projections from your data.

Cash flow forecast

10,000-run Monte Carlo. Probability of FI. Sequence-of-returns risk. Educational only.

Monte Carlo cash flow
📈

Run a forecast

Click "Run new forecast" above. We'll simulate 10,000 portfolio paths over your time horizon using historical mean/stdev returns, sequence-of-returns randomization, and inflation. P10 / P50 / P90 paths plus FI probability. Educational only — confirm any retirement decision with a CFP.

Scenarios

What-if sandbox. "Sell business 2027 for $8M after QSBS, retire at 50, withdraw 3.5%" — does the math work?

Tax brain

Wash-sale detection · loss harvest opportunities · RMD reminders · IRA contribution room · QSBS qualification. Educational only — not tax advice.

Year-to-date realized gains
🧾

No realized gains yet this year

Once you log sale transactions, your realized gains (short and long term) appear here with wash-sale flags.

Wash-sale risk · IRS §1091
⚖️

No wash-sale risk detected

Scans your sells at a loss against buys of the same ticker within ±30 days across all accounts.

Loss-harvest opportunities
💎

Scanning for opportunities

Positions with unrealized losses (potential harvest candidates) show here. Always consult your tax professional before acting.

RMD calendar · SECURE 2.0
📅

No RMD obligations on file

Set your date of birth in Settings to see your projected required minimum distribution start year and current-year RMD amount.

IRA contribution room
🏦

Tracking IRA contributions

YTD contributions vs annual IRS limit (with catch-up if age 50+).

QSBS clock · §1202
⏳

No QSBS-flagged investments

Mark eligible private investments with "QSBS-eligible" + acquired date to track the 5-year hold for capital-gain exclusion.

Educational summary based on the data you provided. HELM is not a tax advisor. Confirm with your CPA before filing or making decisions.

Document vault

K-1s · brokerage statements · tax returns · deeds · trust docs · wills. Client-side encrypted before upload — zero-knowledge from our side.

Zero-knowledge encryption active
Every file is AES-256 encrypted in your browser before upload. The encryption key never leaves your device. We see ciphertext only.
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Documents
0 MB
Storage used

Beneficiaries

Annual review of beneficiary designations. Trust + will status.

Insurance coverage

Life · disability · umbrella · P&C · LTC. Total coverage map + gap analysis.

Reports

Generate banker-grade PDFs. Quarterly review · net worth statement · year-end summary.

Available reports
Reports open in a new tab as banker-grade HTML. Use ⌘P (or Ctrl+P) to save as PDF. Disclosures and assumptions are included on the last page.

Settings

Profile · target allocation · drift alerts · digest · data export · account.

Operator profile
Locked to your sign-in email. Contact support to change.
Used for RMD calendar and IRA catch-up calculations.
Target allocationTotal: 100%

Set your target weights by asset class. HELM alerts you in Insights when actual drifts beyond your threshold.

Equity %
Bond / Fixed income %
Alternatives / private %
Cash + cash-equivalent %
5%
Weekly insight digest
Monday 6:00am · operator briefing

Allocation drift, tax-loss opportunities, RMD reminders, concentration risk, goal trajectory — generated by HELM analyst from your week's data, delivered as a single email.

Override if you'd rather receive it at a different inbox.
Operator dashboard inputsPowers the leading-indicator view

Five declarations that turn the Operator dashboard from "Set up" placeholders into live numbers. These never sync anywhere — pure local declarations for the math.

W-2 + bonus + dividends + interest + business income. Used as denominator for savings-rate calculation.
Mortgage/rent + utilities + groceries + insurance + minimum debt service + recurring subscriptions. Used as denominator for cash-cushion math.
Credit cards + student loans + auto + personal loans. Set to 0 if debt-free. Used for debt-paydown-velocity calculation.
Where each next dollar goes, in order. Write it down once; review quarterly. Beats default-into-checking 100% of the time.
Holdings price refreshOpt-in · Off by default

Manual entry is the floor. If you'd rather not retype quotes every quarter, you can opt in to automatic refresh. Only ticker symbols leave HELM — quantities, balances, account names, and cost basis stay on our servers and are never transmitted. The data source is a free public market quote endpoint, no broker credentials and no aggregator involved.

Auto-refresh holdings prices

When on, HELM refreshes current_price on each ticker once per day (and on demand). Turn off to return to fully manual.

Privacy: only ticker symbols are transmitted to the price endpoint. The quantity-times-price math runs on HELM. Each row stores its price_source ("manual" vs "auto") so you can always tell where a number came from. Disable any time — manual values you entered before are preserved.

Your data
Export everything

Download a machine-readable JSON of every record HELM holds about you — accounts, holdings, transactions, vesting, properties, private investments, goals, insights, chat history. Portable to any tool.

⚠ Danger zone
Permanently delete my account + all data

Removes every record HELM holds: accounts, holdings, transactions, vesting, properties, private investments, documents, chat history, profile. 30-day soft-delete window for recovery, then irrevocable purge. We will email a confirmation link to the operator address before executing.

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