Every account in one allocation
Before any of the rest of it means anything, two questions have to be answered honestly: what do you actually own across every account, and is that mix the one you'd have chosen on purpose? This is where both get answered — and where the app makes sure your own picks are never treated as a liquidation list.
"What do I actually own?"
Bring in every account you have — workplace plans, IRAs, the TSP, the taxable brokerage — and get one honest picture. Two ways in, and both stay entirely on your machine: type in your monthly statement, or import the CSV your broker already exports.
- ✓Every account type in one place — brokerage, Traditional & Roth IRA, 401(k), Roth 401(k), 403(b), HSA, 529 — and your TSP modeled as real holdings, with official daily prices for all 16 funds pulled straight from tsp.gov.
- ✓Schwab & Fidelity CSV import — broker auto-detected, rows previewed, de-duplicated so re-importing is always safe. Or start lighter with statement snapshots and upgrade to full transaction tracking whenever you're ready.
- ✓Real cost basis, derived from your ledger — market value, unrealized and realized gains, income, and a per-ticker transaction drill-down; a Reconcile tool writes the exact adjusting entry when your broker's statement disagrees.
- ✓Bonds & CDs done right — a T-bill/CD ladder priced by accrual toward par, with maturities, FDIC issuer exposure and a forward income calendar. No fake $0 prices, no false dips.
"Is my mix the one I'd choose on purpose?"
The moment your holdings are in, RangefinderInvest classifies them into asset-class slices and shows the allocation you actually hold — across everything, not per account. For most people it's the first honest look in years: the legacy stock, the overlapping funds, the 70/30 you thought was 60/40. Then you design the mix you want.
- ✓Target vs Actual, side by side — every slice's target weight against today's true weight, with the drift in dollars, so the gap is a fact instead of a feeling.
- ✓Named target models — slices with weights, implemented with the real tickers you'd use at each broker (FXAIX at Fidelity, SCHX at Schwab), splittable within a slice.
- ✓A live 100% budget that flags over- and under-allocation as you type, and Valid / Review badges so a misweighted model can't quietly produce bad orders.
- ✓Effective-dated versions — today's version drives today's moves while older versions stay on record, so backtests replay what you actually held, point in time.
- ✓Your own picks are never a liquidation list — setup asks how each account should be treated (track what I hold · hit a target mix · follow a mix for part of it), your stock picks can become a slice the app sizes but never trades, and before any model becomes a target you see the consequence — "would close 13 of 14 holdings, ~$690,000" — with a just compare option that benchmarks without ever suggesting a trade.
Your own picks are never a liquidation list
Add an account and RangefinderInvest asks how to treat it — and before any model becomes your target, it shows the exact consequence, to the dollar, with a compare-only option right beside it.
Real capture: a stock account offered an all-fund model is told exactly what that would close — with Just compare beside it, to benchmark without ever trading.
See your real allocation
Load a sample household to walk the whole setup, or bring in your own accounts — by CSV or by typing a statement. Nothing is uploaded either way.
30 days, every feature, no card and no account — then read-only, never locked.