A portfolio tracker for advisers working from client statements

Last reviewed 11 September 2026

A client sends a statement; you need to explain what the balance is made of before the meeting. BorderFolio reads the document — any broker, no credentials — and returns a breakdown that has to balance: contributions, market movement, dividends, withholding, fees. It is an instrument for your own understanding of a handful of portfolios, not a practice-management system, and the limits are stated below rather than discovered later.

The task this is shaped for

A client sends the statement. You need to be able to say, in the meeting, what the balance is made of: how much of it the client put in, what the market added, what the dividends paid, what was withheld at source and what the broker charged. That is the same breakdown whether the account is yours or someone else’s, and it is the whole of what this page claims.

Everything below is stated as what the product does today. Where it stops, it says so, because an adviser discovering a limit in front of a client is worse than reading it here.

Statement in, period breakdown out

Any broker that issues a statement. PDF, CSV, XLSX, plain text or a screenshot — the document is read rather than an API. There is no supported-broker list to check a client’s account against. One broker, Freedom24, can optionally be connected with read-only keys the client generates.
A reviewable extraction. Positions and transactions are shown before they are applied, transactions stay pending until confirmed, and a re-uploaded overlapping period is de-duplicated on ticker, date, quantity and direction with the skipped count shown.
A decomposition that has to balance. Contributions, market movement, dividends, fees and withholding must sum to the portfolio value or the breakdown is not displayed. Time-weighted and money-weighted return are both computed, and withheld — with the reason named — when the history cannot support them honestly.
The cross-border layer. Withholding estimated per instrument from fund domicile against the tax residence configured for that portfolio, the residence-side second step, and the US-situs estate threshold. Useful precisely when the client lives in one country and holds funds domiciled in another.

What it does not do

This is the important half.

No client logins and no seats. There is one account — yours. Clients cannot be invited to view their own portfolio, and nothing can be shared read-only.
No white-label. No custom domain, no logo replacement, no branded client reports.
Five portfolios, not fifty. The paid plan tracks up to five portfolios side by side plus a combined view. That is a real ceiling: it fits a handful of accounts, not a book of clients.
No client-ready report export. Contributions export as a CSV — date, ticker, exchange, quantity, amount, currency, price per share, type. There is no PDF report to hand over.
No filing figures and no advice. Every tax number is an informational estimate with its assumptions shown. BorderFolio is not a broker, investment adviser or tax adviser, and nothing in it can trade or move money. You remain the adviser; see the disclaimer.

Read plainly: today this is a good instrument for your understanding of a handful of client portfolios, and not a practice-management system. If what you need is the second thing, say so by email rather than working around the first — that demand is what would justify building it, and right now we would rather hear the requirement than guess at it.

Before you set anything up

Two things worth doing in order. First, open the sample portfolio — it is a private copy of a multi-year portfolio, needs no sign-up, and shows the period breakdown on data that already has history behind it. Second, run one real client statement through the free plan before deciding anything: one portfolio, up to 10 holdings, three document imports a month, no card. If the first import does not reconcile against what you already know about that account, nothing after it matters.

On client data: uploaded files are held in private storage so a failed import can be retried, and a daily job deletes every stored file older than seven days; deleting the account removes them immediately. The document is sent to an external model provider over TLS for extraction. Account numbers printed on a statement are used during the import to keep two accounts apart and are not stored. The full account is on the security page — worth reading before you upload anything belonging to someone else.

Common questions

Can my clients log in and see their own portfolio?

No. There is one account and it is yours. There are no client seats, no invitations and no read-only sharing today.

Is there a white-label or branded report option?

No. There is no custom domain, no logo replacement and no branded client report. If that is what you need, email admin@borderfolio.app — the requirement is more useful to us than a workaround.

How many client portfolios can I track?

Up to five on the paid plan, side by side, plus one combined view. The free plan covers one portfolio with up to 10 holdings and three document imports a month.

Does it work with any broker my client uses?

If the broker issues a statement, yes — the document is read rather than the account, so there is no supported-broker list. PDF, CSV, XLSX, plain text and screenshots are all accepted. Freedom24 can optionally be connected with read-only API keys the account holder generates.

Can I hand the client a report from it?

Not as a document. Contributions export as a CSV with date, ticker, exchange, quantity, amount, currency, price per share and type; there is no PDF report. The figures are informational estimates, not filing figures, and nothing here is investment or tax advice.

Broker statement importEvery accepted format, what is extracted, and how overlapping statements de-duplicate. Withholding methodologyThe two tax steps, how a per-instrument rate is resolved, and every assumption behind it. Security & data handlingWhat happens to a document you upload on someone else’s behalf, and how to delete it. Markets, currencies & residencesWhich exchanges are priced, which reporting currencies, which residences the tax layer resolves.

Run one client statement Explore a sample portfolio Free plan — 3 document imports a month, no card required.