Ziggma

What It Is: A Portfolio Tracker Built for Impact-Focused Investors

Ziggma is a free portfolio tracking and analysis platform designed for self-directed investors who hold accounts across multiple brokerages. The site describes itself as "a free portfolio tracker, research and impact analysis" tool built to "reimagine investing" with an emphasis on helping investors "pursue strong returns without having to compromise on their values." It is not a broker, does not manage money, and cannot execute trades; it aggregates your existing brokerage accounts into a single dashboard for consolidated visibility and analysis.

The platform operates entirely online via a web browser. You connect your existing investment accounts through third-party account aggregators (described below), and Ziggma displays your complete portfolio in one place: your holdings, performance, allocation, risk profile, and impact metrics across all your linked accounts. Unlike a robo-advisor, Ziggma does not rebalance your portfolio or make trades on your behalf. Unlike a broker, it never holds your money or connects directly to your bank account. Its sole function is to analyze what you already own and help you understand what is driving your results.

The company was created by a team that includes a CFA-level professional with experience in asset management and environmental economics, a former startup technology leader, and a data professional who built Ziggma's proprietary stock quality scoring framework. The platform is subscription-based, meaning Ziggma's revenue comes from paid plans rather than trading commissions or data sales, which the site frames as keeping the tool "100% on your side."

How It Handles Money Coming In: Read-Only Account Aggregation

Ziggma does not connect directly to your banks or brokerages. Instead, it uses two account aggregation services to pull your data: Plaid and Snaptrade, depending on which broker you use. Both are read-only aggregators, meaning they can see your holdings and transaction history but cannot move money or execute trades.

Plaid connects to more than 12,000 financial institutions including brokerages (Fidelity, Charles Schwab, Robinhood, Vanguard, Coinbase), banks, and retirement platforms. The site notes that "more than 8,000 apps use Plaid, including Venmo, Cash App, and Robinhood." When you click "Link Account" in Ziggma, Plaid opens its own login window hosted by Plaid, not Ziggma. Most major brokers support OAuth through Plaid, a protocol that lets you authenticate directly with your broker without sharing your password with any third party. Your broker issues a token to Plaid that authorizes it to retrieve your account data; Ziggma then receives your balances, positions, and transactions, encrypted in transit. Plaid is SOC 2 Type II certified, ISO 27001 and ISO 27701 certified, and uses AES-256 encryption at rest and in transit. The site states: "Plaid never sees your brokerage login after the first connection, and Ziggma never sees it at all."

Snaptrade is a second aggregator Ziggma uses for some brokers. It focuses exclusively on investment and brokerage accounts and "leads the US market in OAuth coverage for those accounts specifically." Snaptrade is SOC 2 Type II compliant and uses AWS KMS encryption and TLS in transit. Like Plaid, Snaptrade operates in read-only mode when used by Ziggma. The choice of aggregator is automatic: Ziggma selects whichever provider works best for the specific broker you are connecting. In both cases, the connection is read-only, Ziggma cannot place trades or move money, and your login credentials are never seen or stored by Ziggma.

The site does not specify how often data refreshes or what happens when a connection breaks, leaving a gap in the full picture of the connectivity experience.

How Portfolio Analysis and Tracking Works

Once your accounts are linked, Ziggma displays a consolidated portfolio view. The free plan includes a Portfolio Tracker, which the site describes as giving you "a real-time view of all your holdings in one place" that "tracks performance, allocation, risk, and dividend income across every account you link." You can create up to 3 virtual portfolios on the free tier (5 on the Starter plan, 10 on Investor, unlimited on Expert), which are hypothetical portfolios you can build and test without moving real money.

The free tier also includes a Stock and ETF Screener, a tool to find investments meeting criteria you define, and the Market Scoop Newsletter. A section described as "Portfolio Insights" appears on the free plan, which the site says "reveals what is actually driving your results" by surfacing "overconcentration, underperformers, hidden risks, and strengths like dividend growth or sector balance."

Paid plans unlock additional analysis layers. The Starter plan ($6.99 a month billed annually or $9.99 billed monthly) adds a Portfolio Checkup feature and "Ziggma Stock Scores," a 0-100 quality rating for individual stocks. The Investor plan ($10.49 a month annually or $14.99 monthly) includes a Portfolio Optimizer, described as helping you "improve return, lower risk, and stay true to your values," plus Smart Alerts that notify you when something worth acting on changes. The Expert plan ($13.99 a month annually or $19.99 monthly) adds no new analysis features but allows you to link unlimited investment accounts instead of a cap.

The platform's defining feature for impact-focused investors is holding-level impact analysis. Rather than showing environmental, social, and governance (ESG) scores only at the fund level, Ziggma breaks down impact metrics holding by holding: "impact scores, global warming potential in degrees Celsius, net zero target status, climate action ratings, and controversy scores all visible within your actual portfolio." This transparency is designed to help you spot greenwashing in your own portfolio.

Pricing: Free to Start, Paid Plans With Trial Periods

Ziggma's free plan costs nothing and requires no credit card. It includes portfolio tracking across 3 virtual portfolios, a stock and ETF screener, basic portfolio insights, and dividend tracking. You can link as many investment accounts as you want on the free plan.

Paid tiers begin at $6.99 a month billed annually, or $9.99 a month if you prefer monthly billing. Each paid plan includes a 7-day free trial with full access to all features on that tier; you can cancel anytime before the trial ends and incur no charge. The pricing page does not state what happens to your portfolio data if you cancel or allow a subscription to lapse; whether your data persists, is deleted, or remains accessible for a grace period is not addressed.

The site also does not clarify whether you can upgrade or downgrade mid-billing-cycle, whether downgrading refunds a portion of your payment, or whether there are any annual commitment discounts beyond the 30% savings for choosing annual billing. The pricing page lists "save 30% with annual subscription" but does not explain the math behind it, making it unclear whether you save 30% off the monthly price or 30% off the yearly price at monthly rate.

Cancel anytime according to the FAQ, with no partial refunds issued for unused time. The site also does not describe what happens to linked accounts or historical data when you cancel, which for an aggregation tool is a notable omission.

Who It Suits and Who It Does Not

Ziggma is built for self-directed investors who believe strongly in impact-aligned investing and hold accounts at multiple brokerages. If you care about understanding your portfolio's carbon footprint, fossil fuel exposure, labor practices, or other ESG-adjacent factors at the holding level rather than the fund level, Ziggma is purpose-built for you. It is also ideal for anyone juggling more than one brokerage account: rather than logging into each broker separately, you see one consolidated view of performance, allocation, and risk across all your accounts.

It is not a tool for hands-off investors who do not want to think about their portfolio. It is not a robo-advisor that will rebalance your portfolio automatically. It is not a broker, so if you do not already have brokerage accounts elsewhere, you will need to open one before Ziggma becomes useful. It is also not a budgeting tool; it focuses entirely on investment analysis, not on tracking spending or building a spending plan. And it does not work with manual spreadsheet portfolios: your accounts must be held at one of the 12,000+ brokers and platforms supported by Plaid or Snaptrade.

The site describes the tool as "compatible with over 10,000 brokers and retirement platforms" but does not list which brokers are not supported, or whether the Snaptrade aggregator (which covers "20+ major US brokerages") limits the true breadth of that access. If you bank or invest with a credit union or institution outside the mainstream, you may find your account cannot be linked.