HQ Wealth ships twelve portfolio templates on a single double-entry ledger, and only two of them are about crypto. The other ten cover salaries, freelancing, property, retirement, debt, small business, and multi-entity family offices. The product is a general personal-and-business finance system that happens to handle crypto well — not a crypto tool that grew some extra tabs.
The choice a new user makes is which template matches their life right now. That choice seeds a tailored chart of accounts, a set of default reports, and a list of suggested integrations, so the books start shaped like the situation rather than as a blank ledger nobody knows how to fill.
One ledger, many lives
The templates are not separate products. They are twelve starting configurations of the same double-entry engine, and a single account can run several of them side by side. Each template seeds different accounts and reports, but every one posts every transaction as a balanced pair of debits and credits underneath.
The twelve, one line each:
- Crypto Investor — on-chain holdings, exchange accounts and DeFi positions with FIFO cost basis.
- Crypto Trader — high-frequency trading with margin, perps and active dashboards.
- TradFi Investor — brokerage holdings (equities, bonds, ETFs, funds) with cost basis, dividends, and corporate actions.
- TradFi Cash — bank accounts and credit cards with automatic transaction reconciliation.
- TradFi Work / Salary — payslips, RSU and ESPP vesting, employer match, and withholding.
- Freelance / Side-Hustle — invoices, expenses, and quarterly-tax estimates for audit-ready self-employed books.
- Small Business / LLC — full books for a one-to-twenty-employee company with VAT/GST and payroll-adjacent flows.
- Property / Real Estate — per-property profit and loss with depreciation, mortgage amortisation, capex, and rent roll.
- Retirement / Pension — pension, 401(k), IRA, SIPP, RRSP, and ISA, covering contributions, match, and drawdown projections.
- Debt / Loans — mortgages, student loans, and consumer credit with per-loan amortisation and payoff strategies.
- Hybrid Founder — personal plus company finance with inter-portfolio bookkeeping, owner draws, and fringe benefits.
- Family Office — multi-member, multi-entity consolidation with inter-entity eliminations.
Ten of those twelve have nothing to do with tokens. A salaried employee tracking RSU vesting, a landlord running a per-property profit and loss, a freelancer estimating quarterly tax, and a family office consolidating across entities are all first-class users of HQ Wealth — not edge cases bolted onto a crypto tracker.
Built for people who do not own crypto
It is worth stating plainly, because the market is crowded with crypto-first tools that pretend to be general ledgers: most of HQ Wealth is for people who hold no crypto at all.
The TradFi Cash template reconciles bank accounts and credit cards. TradFi Work models a payslip — gross pay, the employer match, the withholding line — the way an employee actually receives it. The Retirement template projects drawdown across pension, 401(k), IRA, SIPP, RRSP, and ISA wrappers. The Debt template amortises a mortgage and a student loan and compares payoff strategies. None of these requires a wallet, a chain, or a token.
Where the crypto templates earn their place is the same engine used to handle on-chain holdings, exchange accounts, and DeFi positions with proper cost-basis tracking. That is two templates of twelve. Choosing HQ Wealth because of them, and ignoring the other ten, mistakes the product for a fraction of itself.
What a template actually seeds
Picking a template is not cosmetic. Each one configures three things so the ledger is usable on day one:
- A tailored chart of accounts. A property investor gets per-property accounts, a depreciation account, and a mortgage liability; a freelancer gets an invoices-receivable account and an expense tree; a family office gets per-entity books with inter-entity elimination accounts. The structure matches the situation instead of being assembled by hand.
- Default reports. The reports that matter for that life are present from the start — a per-property profit and loss for real estate, a quarterly-tax estimate for freelancing, a drawdown projection for retirement, a consolidation for a family office.
- Suggested integrations. The template points at the source feeds it expects — bank and card feeds for cash, brokerage connections for TradFi investing, chains and exchanges for crypto — so the books can be reconciled against the systems that actually hold the money.
Because every template sits on the same double-entry core, none of this is a silo. A Hybrid Founder running both personal and company books gets inter-portfolio bookkeeping for owner draws and fringe benefits because both sets of books are postings in the same ledger, not two disconnected apps.
One net-worth view across every portfolio
The payoff of one ledger underneath twelve templates is a single consolidated view. A person who runs a salary portfolio, a property portfolio, a retirement portfolio, and a crypto portfolio does not get four disconnected dashboards — they get one net-worth view that spans all of them, because every portfolio posts into the same double-entry system.
That view is trustworthy only because every line is reconciled against its source feed: bank and card statements for cash, brokerage records for investments, exchange statements and on-chain balances for crypto. Net worth computed from reconciled books is a number you can defend, not an estimate sampled from an API.
Jurisdiction-aware, and one product in a suite
HQ Wealth encodes twelve tax jurisdictions, so the tax treatment a template produces matches the country the user files in rather than a single generic calculation. The specifics of any one jurisdiction are general information, not advice — the rates, methods, and exemptions belong with a professional in that country — but the point is that the ledger is built to reflect local rules rather than a one-size-fits-all default.
Finally, HQ Wealth is one product in the HQ FS suite, reached from the same single account as HQ Docs, HQ Auth, HQ Admin, HQ LMS, and HQ KPI. The finance system is not a standalone island; it is the accounting surface of a platform a person or business already signs into once.
Takeaway: HQ Wealth is a general personal-and-business finance system — twelve portfolio templates on one double-entry ledger, only two of them crypto — that seeds a tailored chart of accounts and reports for your situation, reconciles every portfolio against its source feed, and rolls them into one net-worth view.