Connect Your Brokerage to Endute: Automatic Investment Tracking With Real Returns

Your brokerage app shows you a number. Open it today and the account is worth, say, £24,300, up from last month. Good news, presumably. But here is the question that number cannot answer on its own: is the account up because your investments did well, or because you paid in £500 on payday? A balance cannot tell the two apart, and that gap, between watching a figure move and actually knowing how your money is doing, is the whole reason this took us a while to build properly.

From today, you can connect your brokerage account to Endute directly, alongside the bank accounts you already link. It is automatic investment tracking in the proper sense: your holdings and your full transaction history sync in on their own, so your investments stop living in a separate app or a half-updated spreadsheet and join the rest of your financial picture. Your budgets, your net worth, and now your real returns, all in one place.

Why a Balance Is Not a Return

Connecting an investment account is a harder problem than connecting a current account, and we chose to solve it properly rather than superficially. The reason comes down to a simple trap. Say you pay £500 into your portfolio this month and its value rises by £500. That is not a £500 gain, it is a £500 deposit. Worse, a balance can climb while your investments fall: pay in £500, watch the total rise by only £400, and your investments have actually lost £100, even as the number on the screen goes up. A tool that knows only your account value would show that as a gain, and it would be wrong.

To tell genuine performance apart from your own deposits, three pieces of information are needed, and a balance is just one of them. Endute pulls all three from your brokerage: your current holdings, your full transaction history (every buy, sell, dividend, contribution, withdrawal and fee), and your account value. With the complete history in hand, we can strip out the money you put in and took out, and show you what your investments themselves actually did.

That is what lets Endute show real performance instead of a flattering total. You get your time-weighted return, which measures how your investments did regardless of when you added money, and your money-weighted return, the personal rate of return that includes the effect of your own timing. Next to those sit your cost basis and your unrealised gains and losses, all converted into your chosen reporting currency. We will keep the explanation short here; for the full version of how the two figures differ and when each one matters, we wrote a dedicated guide to time-weighted returns.

Connect Your Brokerage Alongside Your Bank

Linking an investment account works the same way as linking a bank. You choose your brokerage, authorise the connection securely, and Endute begins pulling in your holdings and history. From then on it syncs automatically, updating your positions and values daily, so you are never re-typing trades or copying balances into a spreadsheet on a Sunday evening. It sits right next to bank-account linking, which means the two halves of your money, what you spend and what you invest, finally live under one roof.

Once connected, your investments are not a separate tab you forget to open. They flow straight into the views you already use. Your net worth updates to include your portfolio, your reports take it into account, and because Endute is multi-currency throughout, a US brokerage and a UK pension are both converted into your base currency so the totals actually make sense. If your money spans more than one country, our guide to managing money across currencies covers how that side works.

Why We Support Some Brokerages and Not Others

You may find your brokerage is supported today, or that it is not there yet. That is a deliberate choice, and it is worth explaining, because it is the same standard that makes the returns above trustworthy. We enable a brokerage only once we can reliably pull both your holdings and your full transaction history from it, not just your account value.

Plenty of connections are available that expose only a balance, and we have chosen not to ship those. A balance-only link could show you a tidy performance number, but as the example above made clear, that number would really just be the sum of your deposits dressed up as a gain. We would rather support fewer brokerages well than a long list of them in a way that quietly misleads you about how your money is doing. So the supported list is curated on purpose: every brokerage on it can give you real returns, not a mirage. It is already broad, and it grows as we validate more brokerages to the same standard.

Which Brokerages Are Supported

Support already spans the United States, the United Kingdom, the European Union, Canada and several other countries, covering a wide and growing range of brokerages. To give a sense of the breadth rather than a complete list, that includes US brokerages such as Chase, Citibank, Fidelity, Robinhood and Wells Fargo, UK platforms such as AJ Bell and Trading 212, and global platforms such as Interactive Brokers. The simplest way to check your own is to look for it when you add an account; if it is not there yet, it may well be soon. Across supported brokerages, Endute tracks more than 250,000 securities, from shares and ETFs to funds and bonds, and gathers them into your full portfolio. And if you hold investments at more than one brokerage, they roll into a single view rather than several, the same idea we cover in tracking investments across multiple accounts.

If your brokerage is not yet supported, the same manual tracking as before is still there and has not be deprecated. You are still able to add your accounts, holdings, and transactions. Your value of each security will also update daily, and your reported calculations for performance are not affected whether you use the sync to your brokerage, or manual entry.

Read-Only, and Part of the Whole Picture

One thing worth being completely clear about: the connection is read-only. Endute can see your holdings and your transaction history so it can track and analyse your portfolio, and that is the full extent of it. It cannot place trades, it cannot move money, and it has no access to do either. Linking your brokerage lets Endute show you your investments; it never touches them.

And because those investments now flow into the same place as everything else, they stop being a spreadsheet you update once a quarter and then avoid. Your portfolio sits inside the same personal finance app as your spending, your budgets and your net worth, valued daily and in a single currency. That was always the point of Endute, one honest picture of your money, and investments were the last big piece still missing from it.

More Brokerages on the Way

The supported list is not finished, and it is not meant to be. We are steadily validating more brokerages, in more countries, to the same standard of holdings and transactions rather than balance-only, so the coverage keeps widening over time without ever lowering the bar that makes the numbers real.

If your investments have been living in a separate app, or a spreadsheet you keep meaning to update, this is a good moment to bring them in. Open Endute, add an account, and choose your brokerage. If you are not using Endute yet, you can start a 37-day free trial with no card required, and connect your accounts, both bank and brokerage, from there.

Brokerage Linking FAQs

Does Endute connect to my brokerage?

Possibly, and increasingly likely. Endute connects directly to a wide and growing range of brokerages across the US, UK, EU, Canada and several other countries, including names such as Fidelity, Robinhood, AJ Bell, Trading 212 and Interactive Brokers. The quickest way to check is to add an investment account in Endute and look for yours. If it is not supported yet, it may be soon, because we add brokerages as we validate them. Until then, manual entry of your investment accounts is fully supported.

Is connecting my brokerage safe?

Yes. The connection is read-only, which means Endute can see your holdings and transaction history to track and analyse your portfolio, but it cannot place trades, move money, or access your account to do so. Linking your brokerage lets Endute show you your investments; it never touches them.

Why isn't my account balance the same as my return?

Because a balance includes the money you paid in, and a return does not. If your portfolio rises by £500 in a month but you also deposited £500, your investments actually returned nothing, even though the balance went up. To show your true return, Endute uses your full transaction history to separate your contributions from genuine market gains and losses.

Which brokerages does Endute support?

Support spans the US, UK, EU, Canada and several other countries, and the list grows over time. It includes US brokerages such as Chase, Citibank, Fidelity, Robinhood and Wells Fargo, UK platforms such as AJ Bell and Trading 212, and global platforms such as Interactive Brokers. We enable a brokerage only once we can reliably pull both holdings and full transaction history from it, not just an account value, so every supported brokerage gives you real returns rather than a misleading one.

What is the difference between time-weighted and money-weighted return?

In short, time-weighted return measures how your investments performed regardless of when you added or withdrew money, while money-weighted return, your personal rate of return or IRR, includes the effect of your own timing. Endute calculates both. For a fuller explanation of how they differ and when each is useful, see our guide to time-weighted returns.