Simply Wall St Review 2026: Plans and Limits

Simply Wall St is built around a single idea executed well: turn a stock's fundamentals into one visual, so anyone can scan a company in seconds instead of reading a decade of filings. The Snowflake chart is the reason most people know the name. Less visible until you dig in is where the free tier stops, what the paid tiers change, and that its portfolio tool is a different kind of product depending on whether a broker is linked. Everything below was checked against simplywall.st in September 2026.

If the question is whether to leave Simply Wall St rather than whether to try it, the Simply Wall St alternatives post covers that ground. This one is about the product itself.

What Simply Wall St is

Simply Wall St is a browser and mobile app for researching individual stocks, built around per-company visual reports rather than raw spreadsheets. Its plans page lists three tiers: Free, Premium and Unlimited. Every report centers on the Snowflake, a five-axis chart summarizing valuation, growth, past performance, financial health and dividends, backed by data from S&P Global Market Intelligence, per its data sourcing FAQ.

Plans and pricing

Simply Wall St's plans page does not display a static dollar price for Premium or Unlimited; the page renders the plan comparison and a "Register for a Free Plan" flow, and billing amounts appear once currency and region are detected further into signup or checkout, not as text on the page itself. Because that figure was not directly readable on the page during this review, it is left out here rather than repeated from a third party. What the page does state as fixed text: a 7 day trial of full Premium access starts automatically at registration with no credit card required, and on day 8 an account not converted moves to Free, per the plans page. Cancellation is self-serve: "Cancel directly from your account settings in two clicks, no email or phone call required. You'll keep your paid features until the end of the current billing period, then move to the Free plan automatically," also per the plans page.

Sources: portfolio and screener limits from the subscription plan limits article, watchlist and export figures from the plans page. If a number here ever disagrees with what the live page or app shows at signup, the vendor's own page wins.

What each tier unlocks

Free gives one manually built portfolio capped at 10 holdings, 5 full company report views a month, no saved screeners (screens still run but only show the top 4 results), and limited dividend analysis, per the subscription limits article and plans page.

Premium raises the portfolio ceiling to 3 portfolios of 30 holdings each, 30 report views a month, 3 saved screeners with alerts, unlimited dividend analysis, and, notably, it is the first tier where broker linking turns on at all, per the plans page and the broker linking article.

Unlimited removes the report view cap entirely, raises portfolios to 5 with unlimited holdings, 10 saved screeners, and adds the two features gated to the top tier alone: PDF and Excel export of a company report, and an ad-free experience, per the plans page and the subscription limits article.

Company report view slots reset monthly on the subscription's billing date rather than the calendar month, and on Premium, opening a report does not use a slot until the point you click through to the Valuation section, while on Free any open counts immediately, per the subscription limits article. Two listings of the same company, such as Apple on Nasdaq versus Apple on the Vienna exchange, count as two separate views.

The Snowflake and its five axes

The Snowflake is Simply Wall St's signature visual: a pentagon-shaped chart that scores a company across five categories in a single glance. Its own help center describes it as "a visual summary of Simply Wall St's analysis across 5 assessment criteria on each company," naming the five as valuation, future growth, past performance, financial health and dividend, per the Snowflake FAQ.

Each of the five axes runs 6 individual pass or fail checks. A passed check scores 1, a failed check scores 0, and the six are summed into a score out of 6 for that axis. That score sets two things at once: how far the Snowflake's boundary extends outward on that axis, and the color of the whole shape, which shifts from red through orange and yellow to green as the total number of passed checks across all axes rises, per the Snowflake FAQ. Funds and ETFs get a blue Snowflake by default, because the underlying stock-analysis model does not map cleanly onto a fund, so a fund's Snowflake is not meant to be compared against a stock's.

Simply Wall St is explicit that the Snowflake is not investment advice: "The Snowflake is NOT a buy or sell recommendation," and a low score on one axis, such as dividend, does not by itself argue against a stock, since the same company might simply be reinvesting cash into growth instead of paying it out, per the Snowflake FAQ. The tool's job is to summarize characteristics, not to tell you what to do about them.

The fair value method

The valuation axis of the Snowflake and the standalone Valuation section of a company report both run on a discounted cash flow model. Simply Wall St describes fair value as "the present value of all the future cash flows [a company] can provide to shareholders," calculated by projecting future free cash flow and discounting each year back to today, per its valuation section guide.

It applies one of four DCF variations depending on the company, per the same guide:

• 2-Stage Discounted Cash Flow Model, the default, for companies not expected to grow at a constant rate: high growth first, tapering to a stable long-run rate.
• Dividend Discount Model (DDM), used when a 2-stage DCF is not available and the company pays out a meaningful share of earnings as dividends.
• Excess Returns Model, for banks and insurers, whose capital structure and regulatory cash requirements do not fit a standard free cash flow model.
• Adjusted Funds From Operations (AFFO) 2-Stage DCF, for REITs, to account for real-estate-specific capital gains and depreciation effects.

The valuation section runs six checks total, per the valuation section guide: the first two are intrinsic, checking whether the current share price sits below the DCF fair value estimate, then whether it sits at least 20 percent below it. The other four are relative valuation and an analyst price target comparison, checking the stock's price against peer multiples and against where covering analysts expect the price to go.

Portfolio features and whether brokerage linking exists

Simply Wall St's portfolio tool supports three ways to build a portfolio, per its portfolio feature page: connecting a broker for automatic daily sync, uploading a transaction history file that its matching tool reconciles against holdings, or manual entry. Once built, the analytics layer covers diversification by industry and geographic revenue, dividend income and yield on cost, and return calculations described as "IRR, capital gains, and benchmarks," alongside the Snowflake-style valuation read on each held position, per the same page.

Brokerage linking is real, and it is not Helm's Plaid stack, though it touches some of the same rails. Simply Wall St's help center states plainly that "portfolio linking is available exclusively on the Premium and Unlimited plans," and that the connection runs through two partners: "We work with Plaid and SnapTrade to facilitate portfolio linking. With SnapTrade we're able to provide you with connectivity using the official APIs of major brokerages," naming Fidelity, Webull, Robinhood, Etrade, Public, Chase, Wells Fargo, Questrade, Trading 212, Interactive Brokers and Zerodha as broker APIs it documents, per the broker linking article. Coverage leans toward North America: "we cover most US and Canadian brokers, with some international brokers available and more being added soon," per the same article.

The sync has real limits worth knowing before relying on it. Data updates "at least once daily," with a note to "allow a few hours" for a change made at the broker to appear, per the broker linking article. A linked portfolio cannot be manually edited at all, since manual editing is reserved for portfolios built by hand. And the deeper analytics, specifically "unrealised, realised, dividend, and currency gains," are described as depending on the broker actually providing transaction history to Plaid or SnapTrade, meaning the depth of what shows up varies by which broker is linked, not just by plan.

Coverage and data delay

Simply Wall St's underlying data comes from a single source across the platform: "All of our data comes from S&P Global Market Intelligence, the world's premier provider of financial data," including fundamentals, management and governance data, pricing, past financials and forward estimates, per its data sourcing FAQ.

Freshness is not real time anywhere on the platform today. Its help center states directly: "We currently use end of day market prices and not real time or delayed," adding that reports are built for long-term investors rather than anyone trying to time entries or exits, and that live pricing with a 20 minute delay is something the company is "currently looking at" for the future but has not shipped, per the update timing FAQ. Beyond price, other data has its own cadence: earnings figures update quarterly, with English-language financial statements reflected in 1 to 3 days and non-English statements taking 10 to 22 days; consensus analyst estimates update within 24 to 48 hours of a broker revision; and top shareholder and insider transaction data has no fixed schedule but typically lands within 1 to 3 days, per the same FAQ.

What it does not do

It does not track tax lots or run tax-loss harvesting. The portfolio feature page and the subscription limits article describe diversification, dividend, IRR and valuation analytics; neither mentions cost-basis lot tracking, tax-loss harvesting, or wash-sale screening anywhere in their feature lists.

It does not screen for wash sales. Nothing in Simply Wall St's public documentation of the portfolio tool or its plan comparisons references the wash-sale rule or replacement-security checks of any kind.

It does not surface earnings exposure across a whole book. Report-level data includes earnings history and consensus estimates per company, per the update timing FAQ, but the portfolio tool's documented analytics are diversification, income and return metrics, not a rollup of which held positions have earnings coming up or how concentrated that exposure is across the portfolio.

It does not read filings against the reason you hold a position. Company reports draw on financial data collected from regulatory filings, per the data sourcing FAQ, but that data feeds the standard Snowflake checks on every company equally. Nothing in the documentation ties a specific filing back to why a particular user is holding that particular stock.

Who it fits

Free suits someone doing occasional, one-off research: look up a name, read the Snowflake, move on, within 5 full reports a month. Premium is built for a habit of regular research plus a real reason to link a US or Canadian brokerage for automatic daily portfolio updates, per the broker linking article. Unlimited fits someone who has already hit the Premium report cap regularly, wants more than 3 saved screens with alerts, or needs to export a report to PDF or Excel for something outside the app.

Someone who wants a screener-first, spreadsheet-native research desk covering more asset types than stocks and ETFs is closer to what Koyfin builds; the Koyfin review covers that shape. Someone who already knows what they own and wants that book actively watched for tax and risk events, not just looked up one ticker at a time, is closer to what Helm or Stock Rover are built around; the Stock Rover review and free portfolio analysis tools roundup both cover that lane.

Verdict

Simply Wall St's strength is legibility: the Snowflake compresses five categories of company analysis into one chart that is genuinely faster to scan than five separate ratios, and the underlying DCF methodology behind the valuation axis is documented in real detail rather than left as a black box. The free tier is usable for the occasional lookup, and Premium is the meaningful upgrade for anyone doing this regularly, both for the higher report cap and because it is the plan where broker linking through Plaid and SnapTrade turns on. The gap to know before relying on it as a portfolio tool: linking a broker gets holdings synced automatically, but the deeper return analytics depend on that specific broker sharing transaction history, linked portfolios cannot be hand-edited, and nothing in the product tracks tax lots, screens for wash sales, or rolls up earnings exposure across everything held. It is a research tool for scoring a stock, not a monitoring layer for a book already owned.

Nothing here is financial advice. Prices, plans and feature limits were checked on simplywall.st and its help center in September 2026 and change; the plans page and linked help articles are the source of record.

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