Once a client links their financial accounts, Kerdora pulls in three types of data automatically: account balances, investment holdings, and spending transactions. This data syncs on an ongoing basis, flows into your planning modules, and stays up to date without manual entry.
Here's exactly what you get and where to find it.
Account Balances
Every linked account gets its current balance synced automatically. This applies to all account types: bank accounts, investment accounts, retirement accounts, credit cards, and loans.
Balances update whenever the institution reports a change, and you can also trigger a manual refresh anytime from the Linked Accounts section in Profile > Accounts.
Investment Holdings
For investment and retirement accounts, you also get the full holdings breakdown:
Security name and ticker
Number of shares
Current price per share
Total market value
This data refreshes automatically alongside balances. Each sync fully replaces the holdings data with the latest from the institution, so you're always looking at current positions.
Holdings flow directly into Planning > Investments, where you can view asset class breakdowns, expense ratios, dividend yields, sector exposure, and regional allocation across the portfolio.
Spending Transactions
For bank and credit card accounts, Kerdora also pulls in transaction-level detail: the date, description, merchant, amount, and account for each transaction. New transactions sync automatically as the institution reports them.
You'll find all of this under Planning > Spending in the left sidebar (it's marked Beta). The Spending page has five sections:
Transactions — The full transaction ledger. Filter by account, category, tag, type, date, or amount, and categorize transactions individually.
Cashflow — A transaction-derived view of income and spending over a period, grouped by category, group, or merchant. This is separate from the manual Profile > Cash Flow page, which is where you enter recurring income and expenses by hand.
Categories — Manage the spending category groups and categories used to classify transactions.
Tags — Create and manage colored tags you can apply to transactions.
Rules — Set up match-and-action rules that automatically categorize, rename, hide, or tag transactions in bulk (for example, "categorize everything from Amazon Prime as Subscriptions"). Manual edits always win over rules.
New transactions are auto-categorized after they come in, and you can override any category by hand or with a rule.
Where Linked Account Data Shows Up
Profile > Accounts — The Linked Accounts section shows all connected institutions with their accounts, balances, account masks (last 4 digits), and sync status.
Planning > Investments — Holdings from linked investment and retirement accounts appear here with full portfolio analysis.
Planning > Goals — Linked account balances are included when you assign accounts to goals, just like manually entered accounts.
Planning > Spending — Transactions from linked bank and credit card accounts appear here, where you can categorize, tag, filter, and review them, plus see a transaction-derived cashflow view.
Asset and liability detail views — Open any linked account to see the institution name, account number, and (for investment accounts) the holdings breakdown.
How Often Data Updates
Linked account data updates in two ways:
Automatically — The institution sends updates when account data changes. You don't need to do anything.
Manual refresh — Click the refresh button on any institution card in the Linked Accounts section to pull the latest data immediately.
If a connection hasn't synced in 48 hours, it shows a Stale status badge so you know the data may not be current. You may also see Error or Pending Review badges if the connection needs attention.
Reconnecting an errored connection is client-only. Refresh and unlink on healthy connections work the same for you as always. But if an institution flips to a red Error badge, only the client can reconnect it, because re-authentication runs through their own portal session with their bank login. You'll see the Reconnect button greyed out with a tooltip that reads "Ask the client to reconnect this account." To fix it, ask the client to log into their portal, open Profile > Accounts, find the errored institution, and click Reconnect.
What You Can and Can't Edit
Locked (auto-synced):
Account balances — the balance field is disabled on linked accounts to prevent conflicts with synced data
Investment holdings — fully replaced on each sync
Still editable:
Account name
Institution name and account number
Notes and other custom fields
Goal assignments
Account categorization
Transaction categories, tags, and merchant names on the Spending page
If you need full control over a balance again, you can unlink an individual account. This converts it back to a manual account without deleting any data. The balance field becomes editable again, and the account stays on the balance sheet.
How Linked Accounts Look Different
Linked accounts have a few visual differences from manually entered ones:
Institution cards at the top of the Linked Accounts section group accounts by institution and show connection status
Sync timestamps show when data was last refreshed (e.g., "Synced 5m ago")
Status badges indicate the connection health: Connected, Stale, Error, or Pending Review
Account masks display the last 4 digits of the account number
Balance field is disabled — you'll see the synced balance but can't manually override it
Unlink button appears next to each linked account if you want to disconnect it