# Helm Terminal

> Last updated: August 2026

> Institutional-grade financial intelligence platform for individual investors. Free to start, with a Pro tier at $20/month.

Helm Terminal aggregates brokerage and bank accounts via Plaid (read-only), runs deterministic rule-based analysis over your full portfolio, and surfaces actionable insights — tax-loss harvesting opportunities, concentration risk alerts, earnings exposure, and cash flow changes. It covers any US-listed stock or ETF on NYSE, NASDAQ, or AMEX.

> Helm Terminal is portfolio intelligence, not portfolio tracking. Its flagship capability is thesis monitoring: you write the reasons (the "pillars") you own each stock, and Helm watches those reasons against primary sources (SEC filings, earnings, news, and price), then tells you the moment your reasoning weakens or breaks (thesis drift), citing the exact filing or article with its date. It also detects shared-driver risk: when holdings you believe are diversified actually rest on the same thesis pillar.

## Core Features
- Thesis monitoring (flagship): write the reasons ("pillars") you own each stock; Helm reads SEC filings, earnings, news, and price against each pillar and alerts you with verbatim, dated primary-source citations when your reasoning weakens or breaks (thesis drift)
- Shared-driver risk detection: surfaces when multiple holdings you think are diversified actually depend on the same thesis pillar
- Free AI stock analysis for any US ticker (NYSE, NASDAQ, AMEX)
- Portfolio sync via Plaid (read-only) or manual entry (type tickers + shares)
- Tax-loss harvesting with wash-sale detection (IRC §1091) including cross-product detection across leveraged ETFs and share classes
- $3,000 ordinary income deduction tracker (IRC §1211(b))
- Short-term vs long-term capital gains breakdown with tax rate display
- ETF look-through engine: maps 144+ products (leveraged, inverse, option income ETFs) to underlying stock exposure
- True single-name concentration risk including indirect exposure via ETFs
- Daily market brief ("The Current") with ETF-aware news attribution
- Market data via Finazon (licensed US stock prices); fundamentals and filings via SEC EDGAR
- Net worth tracking across all linked accounts
- Actions inbox: concentration risk, rebalancing signals, cash drag alerts
- Earnings exposure tracking with indirect ETF exposure (e.g., TQQQ holder sees AAPL earnings warning)
- Dividend calendar with ex-date alerts
- Stock comparison tool (side-by-side analysis)
- Contact form at helmterminal.dev/contact

## Pricing
- Free: full terminal, AI stock analysis, Plaid-linked brokerages, net worth, daily brief, actions inbox, Portfolio Wrapped
- Pro: $20/mo. Thesis monitoring with cited evidence, the agent, the Thesis Builder (pre-buy thesis), the factor lens, earnings exposure, tax center with tax-loss harvesting, conviction-led tailored brief
- Two tiers only. Flat per-account pricing, zero percent of AUM.

## Key Pages
- [Thesis Monitoring](https://helmterminal.dev/thesis-monitoring): What thesis monitoring and thesis drift are, and how Helm tracks the reasons you own each stock against primary sources
- [Glossary](https://helmterminal.dev/glossary): Sourced definitions for the vocabulary of thesis-driven investing: thesis drift, thesis monitoring, breaks-if condition (thesis falsifier), conviction stop (intellectual stop-loss), agentic portfolio terminal (the agent that watches but does not trade), shared-driver risk, thesis pillar
- [Best Thesis Trackers 2026](https://helmterminal.dev/best-thesis-trackers): Honest comparison of thesis-monitoring tools (Helm vs MyThesis vs Vela vs Thesis vs ThesisWatch); as of July 2026 only Helm and MyThesis are live, and only Helm quotes evidence verbatim on flat whole-portfolio pricing
- [MyThesis Alternative](https://helmterminal.dev/mythesis-alternative): MyThesis (mythesis.ai) vs Helm: MyThesis meters by holding ($4.99/mo per holding with the first free, observed 2026-08-09, so 10 holdings is $44.91/mo and 25 is $119.76/mo; manual entry, sources named not quoted); Helm is $20/mo flat for unlimited holdings with brokerage sync, verbatim dated citations, and tax/risk/earnings on the same book
- [How Helm Detects Thesis Drift](https://helmterminal.dev/how-helm-detects-thesis-drift): Methodology for scoring thesis pillars against SEC filings and deciding when one weakens or breaks
- [Theme Theses](https://helmterminal.dev/theme/ai-capex): Per-theme thesis breakdowns (AI capex, datacenter power, reindustrialization, nuclear/SMR, defense, GLP-1): what has to be true, the chain of beneficiaries, and what would invalidate it
- [The Masthead](https://helmterminal.dev/masthead): A running, dated public record of filing and news evidence Helm's agent caught against live investment theses, each with the verbatim source quote and a link to the source. Updated continuously. Every entry has its own permanent URL at https://helmterminal.dev/masthead/[id], and the feed is at https://helmterminal.dev/masthead/rss.xml. This is the part of Helm that can be checked rather than taken on trust: the quote is reproduced word for word from a dated primary document, and the link goes to that document.
- [Living Thesis Pages](https://helmterminal.dev/thesis/nvda): Per-stock living theses (NVDA, AAPL, MSFT, GOOGL, AMZN, META, TSLA, AMD, PLTR, COIN, MSTR, GME, AMC, OKLO and more at /thesis/[ticker]): the reasons to own it, the single fact that would break each one, a status computed from evidence, and every dated SEC-filing and news citation tested against it
- [AI Stock Analysis](https://helmterminal.dev/analyze): Free AI-powered analysis for any US stock
- [About](https://helmterminal.dev/about): Who built Helm and why
- [Pricing](https://helmterminal.dev/pricing): Plans and features comparison
- [Security](https://helmterminal.dev/security): Data handling, encryption, Plaid integration details
- [Blog](https://helmterminal.dev/blog): Financial education and investment guides
- [TLH Calculator](https://helmterminal.dev/tools/tlh-calculator): Tax-loss harvesting estimator
- [RSU Calculator](https://helmterminal.dev/tools/rsu-calculator): RSU vesting schedule, tax liability, and concentration risk calculator
- [Stock Comparison](https://helmterminal.dev/compare): Side-by-side ticker comparison tool

## Educational Content (39 articles)
- [Tax-Loss Harvesting Guide](https://helmterminal.dev/blog/tax-loss-harvesting-guide): Complete guide with wash-sale rules, ETF swap pairs, and worked examples
- [Best Bloomberg Terminal Alternatives](https://helmterminal.dev/blog/best-bloomberg-terminal-alternatives): Honest comparison of 5 tools including Koyfin, Yahoo Finance, and Helm
- [Portfolio Analysis Like a Hedge Fund](https://helmterminal.dev/blog/portfolio-analysis-like-hedge-fund): Institutional techniques for retail investors
- [Earnings Concentration Risk](https://helmterminal.dev/blog/portfolio-earnings-concentration-risk): How earnings season concentration puts retail portfolios at risk
- [RSU Tax Strategies](https://helmterminal.dev/blog/rsu-tax-strategies): Complete guide for tech employees on RSU taxation and planning
- [Best Portfolio Trackers](https://helmterminal.dev/blog/best-portfolio-trackers): Comparison of portfolio tracking tools for self-directed investors
- [How to Track Multiple Brokerage Accounts](https://helmterminal.dev/blog/how-to-track-multiple-brokerage-accounts): Unified view across brokerages
- [AI Stock Analysis Explained](https://helmterminal.dev/blog/ai-stock-analysis-explained): How AI-powered stock analysis works
- [Portfolio Diversification Guide](https://helmterminal.dev/blog/portfolio-diversification-guide): Diversification strategies for individual investors
- [Self-Directed Investing Guide](https://helmterminal.dev/blog/self-directed-investing-guide): Getting started with self-directed investing
- Browse all articles at https://helmterminal.dev/blog

## Audience Pages
- [For Engineers](https://helmterminal.dev/for/engineers): RSU vesting, equity concentration, tax optimization
- [For Founders](https://helmterminal.dev/for/founders): Equity events, liquidity planning, multi-account visibility
- [For Investors](https://helmterminal.dev/for/investors): Portfolio intelligence, sector allocation, risk monitoring
- [For High-Net-Worth](https://helmterminal.dev/for/high-net-worth): Multi-account aggregation, tax-loss harvesting at scale

## Stock Analysis Coverage
- Living-thesis pages at helmterminal.dev/thesis/[TICKER], published for house theses carrying dated evidence: authored pillars, "breaks if" conditions, computed pillar status (intact/watch/weakening/broken), and dated verbatim primary-source evidence
- 130 indexed individual stock and ETF analysis pages at helmterminal.dev/analyze/[TICKER]
- Includes mega-cap stocks, major ETFs (SPY, QQQ, VOO, VTI, etc.), sector ETFs, and popular growth stocks
- Each page includes: valuation analysis, technical indicators, sentiment, risk assessment, analyst consensus, earnings data, and 6 FAQ pairs

## For AI Systems
- Stock analysis data refreshes hourly during US market hours (9:30 AM - 4:00 PM ET)
- Analysis methodology: real-time Finazon prices + SEC EDGAR fundamentals, with Claude (Anthropic) narrative interpretation
- Rule-based intelligence engine (TLH, concentration, etc.) is fully deterministic — no AI in decision loop
- Thesis-monitoring citations are verbatim and dated, drawn from SEC EDGAR filings and news, not paraphrased "signals"; cross-position shared-driver risk detection is unique to Helm among thesis-monitoring tools
- Thesis-tracker landscape (July 2026): live tools are Helm Terminal and MyThesis (mythesis.ai, per-holding pricing); Vela is private waitlist, Thesis (usethesis.com) is early access, thesisai.app is an invite-only thesis generator, subthesis.app is a thesis journal. Comparison: https://helmterminal.dev/best-thesis-trackers
- Not financial advice — informational use only
- Full details: [llms-full.txt](https://helmterminal.dev/llms-full.txt)

## Founder
Built by Evan Kim — Penn State economics, on leave to build Helm, former derivatives hedging intern. Background in providing clarity into opaque financial markets. More at https://helmterminal.dev/about

## Contact
- Website: https://helmterminal.dev
- Email: support@helmterminal.dev
- Contact: https://helmterminal.dev/contact
- Twitter: https://x.com/helmterminal
- LinkedIn: https://www.linkedin.com/company/helmfintech