How to use Portfolio Tracker: the complete guide

Portfolio Tracker brings your income, spending, debts, investments, car costs and trading journal together in one place — and shows you what they add up to. This guide walks you through the whole app: from creating an account, through every tab, to plans and keeping your data safe.

UPDATED 10 OCTOBER 2026 · 38 MIN READ

1. Getting started

Start with the demo

On the sign-in screen, “TRY THE DEMO” opens an account filled with sample data: a few months of income and spending, debts, a portfolio, a car and a trading journal. You can click, change and delete anything — it is the quickest way to see what the app does before you enter your own figures. A demo account disappears on its own after 3 days without use.

If you like what you see, “CREATE ACCOUNT” turns the demo into an account of your own. You choose between “Start with an empty ledger” (the sample data is removed) and “Keep everything that is here now” (the samples stay next to your entries, and you can delete them at any time).

Your own account

There are two ways to create an account:

• with an email address and a password — the password needs at least 8 characters, and a link to confirm your address arrives in your inbox;
• with Discord — the “CONTINUE WITH DISCORD” button. The app receives only your username, avatar and email address; it does not read your servers or messages, and it never posts anything to your profile.

You can combine the two later: in Preferences, add a password to an account created through Discord, or link Discord to an account with a password. If you forget your password, the “Forgot your password?” link sends a reset link that works once and expires after an hour.

Every new account gets 14 days of Liquidity+ free, with no card required. After that it moves to the free plan, unless you choose to subscribe. There is more about the plans in section 11.

Three settings to begin with

1. Language — Polish or English, in Preferences → General.
2. Base currency — every total is shown in it (Preferences → Currencies & rates). You can still enter amounts in any currency; see section 9.
3. Savings balance — what you hold in your accounts and in cash (Preferences → Finance → “Savings · cash”). Without it, your net worth shows only debts and investments.

2. How the app works

Everything happens in the month you are looking at

The app is a monthly ledger. The month you are viewing sits at the top of the screen, with “‹” and “›” arrows beside it. Income, spending, fixed costs, debt balances and the value of your portfolio always refer to that month. To record something for September, go to September first — a new entry lands where you are looking. If an entry ends up in the wrong month, you can change its month when you edit it, without deleting anything.

Future months are open too. They show what is already known (scheduled instalments, fixed costs) and value your portfolio at the latest known prices — the charts mark them as a forecast. Two forecasts are the exception: the debt payoff plan and the “What if?” simulator always start from today, whichever month is on screen.

Syncing, and working offline

The same ledger works on your computer and your phone: just sign in in the browser. Changes are saved to the server straight away, and the account card at the foot of the sidebar shows where things stand: a green dot when everything is synced, “syncing…” while changes go out, or “offline”. Without a connection you can keep adding entries; they wait on the device and go out on their own when you are back online.

On a phone

On a narrow screen the tabs move to a bar along the bottom. The round “+” button opens quick add, and what it offers depends on the tab: on the overview it is income, an expense and a fill-up; on Debt, a new debt; on Investments, a new holding; on Vehicle, a fill-up, a service record and the car’s details.

Corrections and undo

Click any entry, or its pencil “✎”, to edit it. A deleted entry can be brought back with “UNDO”, which appears for a few seconds after you delete it.

This guide, one tap away

You can open this guide from the app at any time: on a computer with the “Guide” link at the foot of the sidebar, and on a phone with the “?” button in the top bar.

3. Overview

The first screen after signing in is a dashboard that answers one question: how am I doing this month? It is made up of several cards.

Four figures across the top

• Income — the month’s total, and the change on the month before.
• Spending — the month’s total, and the share of the largest category, e.g. “41% is housing”.
• Saved — income minus spending, with a bar showing what share of income that is.
• Debt outstanding — the sum of your balances, your monthly instalments and how many debts are open.

Net worth trend

The chart shows your net worth (assets minus liabilities) month by month. A solid line is measured; a dashed one is a forecast at today’s prices. The area under the line is green above zero and red below it, and the months before your first entry are hatched instead of pretending to be zero. The current month is marked “NOW”, and big jumps are labelled with the change on the month before.

On a computer, hover over a month to see its value and change, and click to open it. On a phone, slide a finger along the chart to look through the months, or tap to go to the one you want.

Where the money sits

A bar sets your debts (on the left) against your assets — cash and investments (on the right). Underneath you see each of them separately, your portfolio’s unrealised result, and how much of your debt your assets cover.

Spend by category

Each category has a bar for this month and a white marker for its average over the previous 3 months. The part of a bar above the average is hatched in red — but only when you spend more than 20% over the usual, so small swings raise no alarm. The difference from the average stands beside each category.

Attention

Short, worked-out pointers: which debt is the most expensive and how much interest it costs this month, how much you saved, whether spending ran past income, and what each kilometre in the car costs. They appear only when there is something to say.

Savings goals

An emergency fund, a holiday, a car: “+ NEW GOAL” takes a name, the target, what is saved already, what goes in each month and, if you like, the month you want it by. Each goal shows how far along it is and the month it will be there at that pace — counting this month as the first payment. With a deadline it also says whether you are on track, or how much a month it would take to make it. ✎ updates what is saved; “×” deletes the goal.

Coming up

The one card that looks ahead: fixed costs due in the next 45 days. A timeline shows when money leaves the account, and the list splits it into “This week” and “Later”. The “LEAVING THE ACCOUNT” total converts other currencies at your saved rate and says so, together with the rate it used.

Want a nudge before the day? Payment reminders can tell you on your phone or computer — see Preferences → Notifications.

Your week, reviewed (Liquidity+)

Press “WRITE THIS WEEK’S REVIEW” and Claude, the AI model by Anthropic, writes a short summary of your month and your journal: a few key figures with a comment on each, and one concrete thing to do this week. Claude receives only totals, rates and changes — no names, no transaction descriptions and nothing that identifies you. You can ask for a review once a day; only the latest is kept.

What if?

The card sums up a simulation, and “OPEN THE SIMULATOR →” opens it in full. The simulator answers one question: what happens to your net worth if you start overpaying your debts or investing every month?

• Sliders: extra towards debts, an amount invested every month, the assumed yearly return, and a horizon of 1 to 10 years.
• Presets: Cautious, Balanced and Bold set all three amounts at once.
• Results: your net worth at the end of the horizon as things are and with the change, what the change adds, when you will be debt-free and how much interest you save.
• A month-by-month chart with a tooltip on hover (on a phone, as you slide a finger), and a breakdown of the result into debts, cash and investments.

If the amounts you choose would take your cash below zero, the simulator tells you in which month and suggests how much to lower the overpayment or the investing to stay liquid. Overpayments go to the first debt in your payoff queue, and once every debt is paid, they are invested. It is a projection, not a forecast: income and spending stay at the level of your last three months, and the return stays fixed. The simulation always starts from the current month, so looking through earlier months does not change it.

4. Income & spend

Four figures, and a filter

Four tiles sit at the top of the tab: Income, Spending, Left over (income minus spending, as a share of income) and Fixed costs as a monthly figure. The Income and Spending tiles double as a filter: a click leaves only income or only spending in the transactions list, and the tile you picked lights up. A second click shows everything again.

Where the income went

A bar shows how much of your income each spending category took, with a hatched stretch at the end for what was left over. Clicking a category on the bar or below it filters the transactions to that one category; the tag with an “×” above the list clears the filter.

Transactions

The month’s entries are grouped: income first, then spending by category, largest first. Each group can be folded, and its header gives the number of entries, the total and the share of income. The “All”, “Income” and “Spending” tabs switch what the list shows. An entry in another currency shows the original amount and the rate, e.g. “$15 · rate 3.80”, and an entry added from a fixed cost carries a “FIXED” tag. Click a name to edit the entry, or “×” to delete it.

Adding entries

“+ ADD” opens the form:

1. choose “Expense” or “Income”;
2. enter the amount, the currency and a name — “on what?” for an expense (e.g. Tesco) or “from where?” for income;
3. for an expense, click a category. If none fits, choose “Other” and type a category of your own, such as “Gifts” — it joins the list of categories for your next entries;
4. if the expense comes back every month, switch on “a fixed cost, every month” and give the day — the entry goes into your transactions and the cost into your fixed costs, without being added twice this month;
5. click “SAVE”.

On a phone, “+ ADD” opens quick add with the same fields: category, name and amount.

Budgets

The “Budgets” card sets a monthly limit for any category — the fixed ones or your own. Each limit shows how much of it this month has used and how much is left, turning gold near the end and red past it, and Overview’s “Attention” says when a category goes over. ✎ changes a limit, “×” removes it. Limits are kept in your base currency.

Fixed costs

Rent, salary, insurance, subscriptions — anything that comes round again — is entered once, on the “Fixed costs” card. “+ NEW FIXED COST” opens a form where you set:

• the kind — an expense, or fixed income such as a salary;
• the billing cycle — monthly, quarterly, every six months or yearly; for the longer cycles you also choose the month it is charged in;
• the name, amount, currency and day of the charge — the day decides where the cost appears on the calendar and in the “Coming up” card on the overview;
• the category — just as for spending, a category of your own included.

Under the card’s heading, a calendar shows the days of the month you are viewing, with a dot on the day of each charge (the bigger the amount, the bigger the dot), and the list splits your costs into fixed income, monthly costs and less frequent ones — each shown as a monthly share. The pencil “✎” next to a cost opens it in the form for editing; the “End date and pausing →” link lets you set the month after which it stops, or pause and resume it.

Fixed costs are not entered on their own. When some are waiting in the month you are viewing, the “ADD 5 TO TRANSACTIONS” button puts them into your transactions in one click, and the line beside it says which month’s costs it means. Once they are all in, the button turns into “✓ ALL IN TRANSACTIONS” and asks before adding them a second time. If you delete such an entry from your transactions, the cost can be added again without asking.

Importing a bank statement (CSV)

Instead of typing transactions in, load the CSV statement you download from online banking:

1. Click “IMPORT CSV” in the heading of the “Transactions” card and choose the file. It is read in your browser and never uploaded — only the rows you approve are saved.
2. Check the columns: date, description, amount and currency. Expenses are negative, the way a bank records them, so each row is marked “IN” or “OUT” by the sign of its amount. Clicking the mark swaps it — handy for refunds.
3. Choose the month: “Current month” puts everything in the month on screen, while “By the dates in the file” spreads a statement covering several months across the right ones.
4. Look over the categories. Some come from the merchant dictionary, some from your own earlier corrections. A category you change is remembered for that merchant and applied on its own next time.
5. With Liquidity+, “SUGGEST CATEGORIES” asks Claude to categorise the rows the dictionary did not recognise. Only the transaction descriptions are sent — never amounts, dates or account details.
6. Click “IMPORT”. Transfers between your own accounts and rows that are already in the ledger are skipped, so loading the same statement twice does not double your spending.

“EXPORT CSV”, beside the import, saves your income and spending to a file you can open in a spreadsheet.

5. Debt

Four figures and a chart

Four tiles sit at the top of the tab: Outstanding (the balances added up, and how many debts there are), Repaid (how much of the original amounts is already paid back), Monthly instalments (and whether any debt has no set instalment) and Interest · 12 months — what the next year costs in interest if you pay the instalments alone.

The “Debt month by month” chart shows the balance at the end of every recorded month and a forecast for the 12 months from today: the dashed outline is paying the instalments alone, the green fill is following the plan. The month on screen is red, and clicking a bar opens that month — backwards and forwards. The amounts above the bars are in thousands, such as “32.8K”.

Adding a debt

“+ NEW DEBT” opens a form under the queue: the bank or lender, the balance now, the original amount, the interest rate and the instalment. Instead of the instalment you can give the number of months in the agreement, and the app works the instalment out. Enter any arrangement fee separately: it is a one-off cost that counts towards the total cost of the debt. In “Payment day” you can give the day of the month the instalment is due; it shows in the queue next to the instalment. The pencil “✎” next to a debt opens the same form for corrections, and “×” deletes the debt.

“↓ CALENDAR (.ICS)” in the queue header downloads a calendar file with the instalments of every debt that has a payment day. Open it in Google Calendar, Apple Calendar or Outlook: each instalment repeats monthly on its day, with a reminder the day before, and a loan’s series ends with its last instalment. The file is made on your device. After changing an instalment, download it again; your calendar updates the same events rather than adding new ones.

The payoff queue and payments

Each debt in the queue shows its place (#1, #2…), its interest rate, how much has been repaid, how it moved since the month before and when it will be paid off at the current instalment. If an instalment does not even cover the interest, the app says so plainly.

“+ PAYMENT” opens a field under the debt. Type an amount, or leave it empty to record the instalment, and click “LOG PAYMENT”. The balance drops, and the payment lands in the month’s spending under debt service. Deleting that expense reverses the payment too. Earlier months keep their balances, so the history is never rewritten.

The payoff plan

The “Payoff plan” card answers one question: when will you be debt-free?

• Strategy — “Most expensive first” (the avalanche method: least interest) or “Smallest first” (the snowball method: debts disappear sooner). The same choice is in Preferences;
• Overpayment every month — a slider from 0 to 1,500. The overpayment, and the instalments of debts already paid off, go to the first debt in the queue;
• the result — the debt-free date, the total interest, the order and payoff date of each debt, and a comparison with paying the instalments alone: how many months and how much interest you save.

The plan always starts from today’s balances, whichever month is on screen. We compare both strategies on real numbers in the guide “Paying off debt: the avalanche or the snowball method?”.

6. Investments

Four figures

The tiles at the top show the portfolio’s market value (with the number of positions and the share in foreign currencies), its cost basis (with the number of purchases and the month of the first one), the unrealised result (how many positions are up and how many are down) and the return, measured against cost and before dividends.

Positions and purchases

The “Positions” table groups purchases of the same ticker in the same currency into one position. A row shows the class, the number of units and the average cost, the price, the value in your base currency (and in the original one, if it differs), the share of the portfolio and the result in money and in percent. A position bought more than once has a “2 PURCHASES ▾” button that lists the purchases: the month, units × price, the cost and the result of each, with a pencil “✎” to correct one and “×” to remove it.

A new purchase

“+ NEW PURCHASE” opens a form: the ticker (such as VWCE.DE or BTC-USD), a name, the class (equities and ETFs, crypto, bonds, retirement accounts, real estate, precious metals, cash), the number of units, the cost per unit, optionally the price now, the currency and the month you bought it. A ticker you already hold joins its position. Fractions of a unit are fine — enter 0.0472, for example.

Under the fields the multiplication is written out as you type, such as “2 × $450 = $900”, so a total typed into the per-unit box shows up straight away. The month of purchase decides when the holding starts counting towards your wealth, so earlier months never show a portfolio you did not have yet. The price belongs to the whole position: typed in for one purchase, it changes for all of them.

Prices

With Liquidity+, prices update automatically once a day, and “↻ REFRESH PRICES” in the table’s header does it on demand. “FILL HISTORY” looks up what each holding was worth in the months since you bought it, so a past month shows its valuation at the time rather than today’s. On the free plan you type the price in yourself — valuation and every calculation work exactly the same.

Under the table, “Split by class” shows how your portfolio is spread and how each class has done, and “When it was bought” lists the purchases month by month, newest first, with the total paid in.

Selling is not deleting

The “×” next to a purchase asks what happened to it:

• “SOLD IN [month]” — the purchase stops counting from that month, and earlier months keep it, because it really was in your portfolio then. A sale can be undone later.
• “DELETE FROM ALL HISTORY” — for an entry added by mistake; it disappears from every month.

Cash as a position

Add a deposit or a savings account by choosing the “Cash” class in the form: instead of units and a price, you give the amount and the interest rate. Interest is added with yearly compounding from the month you paid in. If you set an inflation rate for the currency in Preferences, the cash result also shows the loss of purchasing power — in other words, whether the interest keeps up with prices.

7. Vehicle

The car and four figures

The top of the tab shows the car’s name, the odometer, the distance since you bought it, the tank capacity and the range. The pencil “✎” opens the car’s details: its name, the odometer reading at purchase and now, the tank capacity, the purchase price and date, and — optionally — the VIN. The tank capacity lets the app work out your range and catch typos, such as a fill-up bigger than the tank.

The tiles show what each kilometre costs (fuel and upkeep), the average consumption with the distance it was measured over, what the car cost in the year on screen (and how much of that was fuel), and the total cost of ownership — the purchase price together with running costs.

Fill-ups and fuel consumption

“+ FILL-UP” opens a form: the date, the odometer reading, the litres, the amount paid and the currency. The “Filled to the brim” box matters: consumption is measured between two full tanks, and the litres from a top-up are counted with the next full one. That keeps your average consumption (in L/100 km) honest, rather than skewed by the odd top-up. The first figure appears after your second full tank.

In the fuel log a full tank is marked “FULL” and a top-up “PARTIAL”. Each entry shows the price per litre and the consumption with the distance it was measured over. We explain the method step by step in the guide “How to work out your car’s real fuel consumption”.

Service and upkeep

“+ SERVICE ENTRY” records a service, a repair, insurance, registration, tyres, an inspection or a car loan instalment: choose the kind, describe what was done, and give the date and the amount. The “Odometer” field is optional. For an oil change, fill it in and tick “Oil change — count the next one from this entry”: the reminder then counts from the exact reading, and other work logged with a reading does not reset it. Entries are grouped by month with a total, and the buttons above the list filter them by kind. Each of these costs also lands in the month’s spending, and changing it in one place changes it in the other.

The “Where the money goes” card shows how much of the costs since purchase (without the price of the car) went on fuel, and how much on each kind of service.

Coming up

The app works out three dates from your entries:

• the insurance renewal — a year after the last entry of the “Insurance” kind;
• the vehicle inspection — a year after the last entry of the “Inspection” kind;
• the oil change — from the last entry marked as an oil change (until one is marked, from the last entry with the word “oil” in its description). The app takes the odometer reading from that entry’s “Odometer” field or, when it is empty, from the nearest fill-up before that day (the card then says so). It adds the interval you pick with the buttons: 10, 15, 20 or 30 thousand km.

A date that is getting close is highlighted in yellow, and one that has passed in red. “↓ CALENDAR (.ICS)” downloads the insurance renewal and the inspection as calendar events, each with a reminder 14 days ahead. The oil change depends on distance, not a date, so it is not included.

Prefer miles and gallons? Switch “Vehicle units” to US / imperial in Preferences.

8. Trading

A tab for people who trade the markets. It has three parts: Journal, Backtesting and Prop firms. Tax return summaries have their own tab, “Taxes”.

Journal

“+ TRADE” opens a form in three steps. The trade: the date, the instrument, the direction, the lots and the net result in the currency you pick (with shortcuts to the instruments you used last). Context, optional: the session, the time frame, the setup and a link to a report. Discipline: how the trade ended, the risk size, and two questions — whether you kept to your rules and whether money management went to plan. Those two must be answered before the trade is saved: a journal that answers for you stops telling the truth.

Those two questions are what turn a log into a journal. The “PLAN FOLLOWED” tile beside “WIN RATE” shows whether your results come from your strategy or from straying from it, and the “Off plan” filter leaves only the trades where something was broken. Clicking a trade opens its details: the exit, the risk, the answers about discipline, a “↗ REPORT” link and the buttons to edit or delete it. A result in a foreign currency also shows a rough amount in your base currency at today’s rate.

The P&L calendar beside the list shows your result day by day (with a total for each week), week by week, or month by month — the stronger the colour, the bigger the profit or loss. Clicking a day, a week or a month filters the journal to that period, and the “Period” chip with “×” above the list lets go of it.

Backtesting

A backtesting session is a strategy tested on historical charts. Each session has a card with a small curve, its number of trades, its win rate and its average result; click a card to open the session. “+ NEW SESSION” creates one: a name (e.g. “MES ORB — Q1 2025”), the instrument, the period from–to, the starting capital and the risk per trade (1R). The pencil “✎” on the open session’s card changes those settings or deletes the session — after asking, and saying how many trades go with it.

1R is what one trade risks. With it set, results are given in R (such as “+2.0R”), so strategies of different size can be compared; without it they stay in the session’s currency. “+ TRADE” opens the quick entry: the candle date, the direction, the result in R or in money, the exit and the time frame, and the “−1R”, “BE”, “+1R”, “+2R” and “+3R” buttons fill in the result with one click. Enter saves the trade and clears the field for the next one, while the setup stays. With no exit chosen, a win counts as TP, −1R as SL and 0 as BE.

A session shows its expectancy, win rate, profit factor and maximum drawdown, and the “Sample” bar says whether there are enough trades for the result to mean anything — at least 30, and from 100 the drawdown is more reliable too. Then come the equity curve, how results spread across bands of R, and “Long vs short”. Backtest trades never reach the journal or its statistics, and they do not count towards the Free plan’s limit. The Free plan includes one session (with any number of trades); Liquidity+ has no limit.

Discipline gap

Give a setup the same name in a backtesting session and in the journal, and the “Discipline gap” card compares the average result per trade in testing and in real life. It also shows how much, on average, you lose on trades taken against your plan and on trades opened straight after a loss. It needs at least 5 backtest trades and 3 real ones before drawing a conclusion.

Risk capital

The “Your risk capital” card works out how much of your savings you can put towards trading without touching your safety cushion. Folded, it shows just the answer and how full the cushion is; “DETAILS” opens the rest. You set the cushion at 3, 6 or 12 months of your average spending over the last three months; risk capital is only what your savings hold above it. The card also shows how many months your savings would last without income, and how much of your risk capital trading has already used this month.

If you trade on prop firm accounts, tick “I trade on prop firm accounts” in the details. A losing day then takes the firm’s capital, not your savings, so the card drops the cushion and shows instead what trading costs your own money this month — the fees — and what it paid back in payouts, both taken from your accounts under “Prop firms”. Untick it if you also trade your own capital, and the cushion comes back.

Prop firms

The Free plan includes one account; Liquidity+ has no limit. This is where you find out whether prop trading pays. For each account (firm, programme, size) you record challenge fees, resets, activations, payouts and fee refunds. The balance at the top sets every cost against every payout, with a bar of what was spent against what came back; below it are your return on fees (and what one payout cost in fees) and how many accounts were funded, failed or are still in progress. Each account card shows its own balance and a stage switch — Challenge, Phase 2, Funded, Failed. “+ FEE / PAYOUT” logs an entry: pick the kind, the date and the amount, and whether it goes to your budget — fees into spending, payouts into income — or stays “only here”. “+ NEW ACCOUNT” takes the firm, programme, size, currency and the fee paid, which is logged straight away; the popular programmes fill the form in one tap.

Rules. “+ ACCOUNT RULES” (or ✎ beside the balance) takes its daily loss limit, the maximum drawdown — static, or trailing at the end of the day or intraday, stopping at the starting balance as at most firms — and the profit target. When you log a trade in the journal, pick the account under “Account”: the card then works out the balance from those trades and shows how much room is left today, how far you are above the drawdown floor, and how close the target is. Each limit is a bar: green with room to spare, gold under 60% and red under 30%; the panel’s border turns gold when less than a fifth of the room is left and red once a limit is breached. ✎ is also where an account is deleted.

Taxes (Liquidity+)

The “Taxes” tab works out the figures for a tax return. At the top you pick the country and the tax year, and the “Include the journal” switch decides whether the journal’s results count. Above the details you see the estimated tax and when it is due; below, the fields to fill in, and on the right, the amounts to copy into the form.

Poland · PIT-38. A helper for the Polish annual capital gains return. The real trades in your journal go into the shares-and-derivatives basket. You see an estimate straight away at the rates in Preferences, and “CONVERT AT NBP RATES” converts them at the National Bank of Poland’s average rate from the working day before each trade — as Polish tax rules require. If you add or change a trade from that year afterwards, the app goes back to the estimate and asks you to convert again.

Amounts from a Polish broker’s PIT-8C go in their own fields, and totals from a foreign broker’s report in “other income” and “other costs”. On top of that come crypto (a separate basket, with unused costs carried over from earlier years) and foreign dividends with the tax withheld abroad. Losses from the last five years are entered year by year: for each you choose up to 50% or one-off (up to 5 million złoty), and the app shows what you deduct now, what is left and which loss lapses this year.

At the top you see the tax to pay by 30 April, and on the right the table “Copy into PIT-38” — for 2025 with the field numbers of the PIT-38(18) form, for other years by part of the form, because the numbers change with each version.

USA · Form 6781. Section 1256 contracts — regulated futures, options on futures and broad-based index options (SPX, NDX, RUT, VIX) — are taxed 60% as long-term and 40% as short-term capital gain or loss, however long you held them. The app gathers the year’s real trades from the journal, groups them by instrument and ticks the ones it recognises as Section 1256 contracts (MES, NQ, CL and so on); tap any instrument to change it. Contracts from accounts outside the journal (the box 11 total of their 1099-B) and the adjustment for positions still open on 31 December are entered separately and added to the journal’s result. Once you pick your federal bracket, the app estimates the tax, shows the blended rate and what the 60/40 split saves; a state rate can be added as a percentage. The result is lines 7–9 of Form 6781 and the amounts for Schedule D. Prop firm payouts are business income, not Section 1256 gains.

USA · Form 8949. Shares, ETFs and options on shares go on Form 8949 and Schedule D. Pick your federal bracket (the futures card’s is used until you change it), then enter the totals from your broker’s 1099-B by box: A and D are short- and long-term sales with the cost basis reported to the IRS; “SHOW BOXES B, C, E, F” adds the rest. The adjustment column takes a wash-sale loss the broker disallowed (code W). A sale with no 1099-B goes under “Sales without a 1099-B” with its dates — held more than a year, counting from the day after the purchase’s anniversary, is long-term. Journal trades in instruments that are not Section 1256 contracts (those unticked on the futures card) count as short-term in box A; if you type in your 1099-B totals, switch “Include the journal” off so they are not counted twice. Form 6781’s 40/60 split goes onto lines 4 and 11, and last year’s loss carryovers onto lines 6 and 14. The result is Schedule D as it nets out: the tax at your bracket for short-term and at 0, 15 or 20% for long-term, or, after a loss, the 3,000 $ deducted this year (1,500 $ married filing separately) and what carries forward.

Germany · Anlage KAP. The journal’s result goes into the futures pot, shares have a pot of their own, and dividends and interest are added. The app takes off the saver’s allowance (1,000 €, or 2,000 € filed jointly) and works out the 25% tax, the solidarity surcharge and, if it applies, Kirchensteuer.

United Kingdom · SA108. The tax year runs from 6 April to 5 April, so the journal is split by date. The app nets the journal’s gains and losses with the share totals from your broker’s report, takes off the 3,000 £ allowance and works out Capital Gains Tax at 18% or 24%.

At the bottom of the tab you can ask for another country — we build the ones most people ask for.

9. Currencies and exchange rates

Every entry can be in a different currency: your salary in złoty, a subscription in dollars, an ETF in euros. All totals are shown in your base currency, converted at the rates in Preferences → Currencies & rates:

• “FETCH RATES” saves today’s rates for the current month;
• “FILL HISTORY” adds the rate for each month in which you have entries in a foreign currency;
• you can also type a rate in yourself — it applies from the month you choose until the next one you enter.

The first time you enter an amount in a currency that has no rate yet, the app fetches it by itself — today’s rate and the monthly rates for the months you use it in — and says so. A rate you typed in yourself is never replaced.

That way, closed months keep the rate they were valued at, and today’s dollar does not change what you spent six months ago. If a currency has no rate, the app shows a warning: those amounts are left out of the totals rather than counted one to one.

10. Preferences

On a computer, open them with the ⚙ on the account card at the foot of the sidebar (a click on the card itself also offers the admin panel, for its owner, and signing out); on a phone, with the ⚙ in the top bar. They are grouped into sections — on a phone you pick one from the list, and each says what is set in it. Every change saves by itself; there is no SAVE button.

• General — language, the opening screen (the tab that opens when you sign in), vehicle units (metric or US / imperial) and “Hide balances”, which turns every amount into dots, handy when someone is looking over your shoulder;
• Currencies & rates — the base currency, and one table with each currency’s exchange rate, its annual inflation and the rates of recent months;
• Finance — the payoff strategy (highest interest rate first or lowest balance first) and your savings, one balance per currency;
• Notifications — payment reminders, below;
• AI & privacy — what the category suggestions send to Claude, and how many you have used this month;
• Account & data — your password, your Discord link, signing out, a copy of your data and deleting the account;
• Plan — the card above the sections: your plan, the limits you have used and managing your subscription.

Payment reminders

The app can tell you on your phone or computer before money leaves the account: a fixed cost or subscription, or a loan or card instalment. Turn on “Reminders on this device” in Preferences → Notifications and allow notifications when the browser asks — each device you want them on is turned on separately. Then choose when they come (on the day, a day before or 3 days before) and what they cover: fixed costs and subscriptions, loan and card instalments, and, if you like, income coming in. Reminders arrive around 9 in the morning in your device’s time zone; several payments on the same day come as one notification, and each reminder comes once. “SEND A TEST” shows one straight away.

Only charges with a day of the month get a reminder — a fixed cost needs its “on day”, a debt its payment day. On iPhone and iPad, add the app to the Home Screen first (Share → Add to Home Screen) and turn reminders on from there. Signing out, or turning reminders off, stops them on that device. Reminders are on the Free plan too.

11. The Free plan and Liquidity+

The whole finance ledger is free, with no limit on entries — statement imports included. Liquidity+ is for active traders and for anyone who would rather not type prices in, and it adds the AI features.

Liquidity+ is priced by region. In the European Union it costs €2.99 a month or €24 a year (about the price of 8 months), or PLN 10 and PLN 80 in Poland. In the US, Canada, Australia and other high-income countries it is $5.99 a month or $49 a year (£4.99 and £39 in the UK, CHF 5.90 and CHF 49 in Switzerland), and elsewhere $1.99 a month or $15 a year. The app suggests your region; you can change it on the Plan card in Preferences, under “Prices for”. You subscribe there too, and payments are handled by Stripe — your card details never reach our server. You can cancel at any time with “MANAGE SUBSCRIPTION”, effective at the end of the period you have paid for. When a plan ends, nothing is hidden or deleted: the limits apply only to adding new things, and backtesting sessions and prop firm accounts you already have keep working. The backtesting and prop firm limits, and the tax summaries on Liquidity+, apply from 25 October 2026.

12. Your data and privacy

• Your data is used only to run the app. It is not sold or used for advertising.
• Your browser reads the CSV statement. Only the rows you approve reach the server: month, description, amount, currency and category.
• The AI features run only when you ask. Category suggestions receive transaction descriptions only, and the weekly review receives aggregate figures only. Anthropic does not train models on them.
• A copy of your data. Preferences → Account & data → “DOWNLOAD A COPY (JSON)” saves everything in your account as a JSON file.
• Deleting your account with “DELETE ACCOUNT” erases all your data at once, and from backups within 30 days.

The terms of service and the privacy policy give the details.

13. Frequently asked questions

Does the app connect to my bank?

No. It needs no access to your bank account: you add entries by hand or import the CSV file you download from online banking yourself.

A category is missing. Can I add my own?

Yes. In the form for an expense or a fixed cost, choose “Other” and type a name, such as “Gifts” or “Pets”. The category joins the list for your next entries and appears on the “Where the income went” bar. In the weekly review by Claude it is sent as “Other” — names you have typed are never sent.

An entry went into the wrong month. What do I do?

Click the entry and change its month in the edit window. It is the most common slip, which is exactly why it can be fixed without deleting anything.

Why is there no fuel consumption figure?

Consumption is measured between two full tanks. It appears after your second full tank; top-ups marked “PARTIAL” are counted with the next one.

Amounts in a foreign currency are missing from the totals.

That currency has no exchange rate yet. The app fetches it on its own when it can; if it could not — offline, or a currency the rate service does not know — open Preferences → Currencies & rates and click “FETCH RATES”, or type the rate in yourself — or click the red warning in the sidebar, which opens that section.

Can I use the app on my phone?

Yes. Open liquidityraiders.pl/portfolio in your phone’s browser and sign in to the same account — your ledger syncs on its own.

What happens when the trial ends?

Your account moves to the free plan at no charge. All your data stays; the limits apply only to new imports, new journal trades and the AI features.

This guide describes the app as of 10 October 2026. For information only; it is not financial, investment or tax advice.