Pros and cons
The strengths are breadth and correctness: it holds asset types other trackers refuse, and it handles currency properly. The weaknesses are staleness and density: manual valuations rot, and the product does not simplify itself for simple situations.
In its favour
- Asset coverage that genuinely spans a balance sheet, not just a brokerage account.
- Correct multi-currency handling, including for assets held abroad.
- A free tier that is usable indefinitely rather than a countdown.
- Read-only bank access with no payment authority anywhere in the design.
- Projection tools that model uncertainty rather than drawing a straight line.
Against it
- Manual valuations go stale silently, which quietly overstates or understates the total.
- Some pricing feeds lag by a day.
- A dense first hour that assumes a complicated balance sheet.
- No budgeting or spend categorisation, and none apparently planned.
- Poor value for anyone holding a single portfolio at a single broker.
The trade in one line
You are buying breadth and paying for it in maintenance. If your balance sheet is wide, that is a good trade. If it is narrow, you are buying machinery you will not use.