Plans
Four tiers, mapped to household complexity. Pricing on request — we build a proposal to your situation.
Track
Upgrade trigger: You signed up. One broker. Holdings only. No commitment.
- One household, up to 3 accounts
- See-through exposure panel
- Daily price refresh
- Manual CSV import
Manage
Upgrade trigger: You wondered if your drift was real and your spouse asked what to actually buy.
- Unlimited accounts
- Risk + VaR dashboard
- Rebalancer with drift signals
- Swedish tax (K4 & schablonskatt)
- Decumulation simulator
- Daily email brief
Plan
Upgrade trigger: You're 45+, talking about Cannes / Åre / early retirement, and Excel stopped being enough.
- Everything in Manage
- Lifelong cashflow projection
- Pension-stack ingester (Min Pension + tjänste)
- Monte Carlo (1 000 paths, 50-year horizon)
- RE strategy (uppskov, vinstskatt)
- Gift / inheritance simulator
Family Office
Upgrade trigger: You have a business to sell, kids old enough to inherit, or 10 M+ to coordinate across generations.
- Everything in Plan
- Unlimited owners + dependents
- Generationsskifte modelling
- Family-foundation / stiftelse structures
- Advisor seat (read-write delegation)
- Quarterly review call + priority support
Feature comparison
| Feature | Track | Manage | Plan | Family Office |
|---|---|---|---|---|
| Household members | 1 | 2 | Up to 6 | Unlimited |
| Accounts & portfolios | 3 | Unlimited | Unlimited | Unlimited |
| Estate planning (generational transfer / foundation) | — | — | — | ✓ |
| Quarterly review call | — | — | — | ✓ |
| Look-through fund decomposition | ✓ | ✓ | ✓ | ✓ |
| Daily price refresh | ✓ | ✓ | ✓ | ✓ |
| Risk & VaR dashboard | — | ✓ | ✓ | ✓ |
| Rebalancer with drift signals | — | ✓ | ✓ | ✓ |
| Swedish tax (K4 & schablonskatt) | — | ✓ | ✓ | ✓ |
| Decumulation simulator | — | ✓ | ✓ | ✓ |
| Daily email brief | — | ✓ | ✓ | ✓ |
| Multi-owner household ledger | — | — | ✓ | ✓ |
| Per-owner reports & PDF exports | — | — | ✓ | ✓ |
| Priority support | — | — | ✓ | ✓ |
How Codev Wealth compares
| What you need | Codev Wealth | Spreadsheet | Avanza built-in | AUM advisor (1% fee) |
|---|---|---|---|---|
| Multi-broker consolidated view | Yes | Manual | Avanza only | Yes |
| Look-through fund exposure | Yes | No | No | Yes |
| Swedish tax (K4, schablonskatt) | Yes | Manual | Partial | Yes |
| Daily risk & VaR | Yes | No | No | Quarterly |
| Decumulation Monte Carlo | Yes | No | No | Yes |
| Rebalancing alerts (drift & signal) | Yes | No | Basic | Yes |
| Setup time | ~30 min CSV upload | Hours | Instant (single broker) | Weeks of onboarding |
Credit where it's due: Avanza's own dashboard is excellent for the holdings sitting inside Avanza. Codev Wealth exists for the household that doesn't fit in a single broker.
Frequently asked questions
Is my data safe? Where is it stored?
Data is hosted in EU data centres, encrypted in transit and at rest. We never ask for your broker login or BankID credentials — you stay in control of every export. GDPR-compliant, with a one-click data export and deletion from your account settings.
Can you actually trade for me?
No — and that's deliberate. Codev Wealth is decision support. We surface signals, drift and tax impact; you place every order yourself inside your own broker. That keeps us cleanly outside MiFID II investment-advice scope.
How is this different from Avanza's built-in tools?
Avanza's tools are excellent — for the money sitting inside Avanza. The moment you add Nordnet, a tjänstepension (occupational pension) or PPM, none of it adds up. We pull every platform into one ledger and look through funds to the real underlying exposure.
What about Norway, Denmark or Finland?
Today we model Swedish tax wrappers only (ISK, KF, IPS, tjänstepension, PPM). The Nordic neighbours share enough structure that we'll get there, but it's deferred until the Swedish product is finished. If you have cross-border holdings, the multi-broker view still works — you just won't get local tax math.
Can I import from my bank automatically?
Right now: CSV upload from each broker (takes a few minutes per account). Direct sync via Avanza and Nordnet endpoints is on the roadmap; pension platforms will follow as APIs become available.
What if I want to cancel?
Cancel anytime from your account page. The subscription stops at the end of the current period — no retention call, no fine print. Your data is exported on request and deleted within 30 days.
Do you give tax advice?
No. We model schablonskatt (Sweden's flat ISK/KF wrapper tax) drag and prefill K4 (Swedish capital-gains form) numbers so you can see the tax consequences of a trade before placing it — but for anything material (uppskov, gifts, estate transfers) talk to a tax lawyer. We can hand them a clean PDF.
Can I try it before deciding?
Yes — we'll set up a trial that lets you see your own household on the dashboard before you commit to a plan. Get in touch to arrange it.
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