User Guide & Privacy Everything you need to know about using Roastfolio and how your data is protected.

Getting Started

Creating an account

1. Click Sign Up on the login page and enter your e-mail address and a password (minimum 6 characters).
2. Check your inbox for a verification code from Roastfolio and enter it when prompted.
3. Choose a display name (nickname) — this is the only personal detail stored beyond your e-mail.
4. You are now logged in. Your account and all data are tied to your e-mail address.

Creating your first wallet

After logging in, open the Wallets tab. This is your main portfolio management screen. To add a wallet:

• Desktop: click the + Wallet button in the wallet selector panel, type a name, and press Create.
• Mobile: tap the ··· overflow button → + Add wallet, type a name, and press Create.

Name wallets after the brokerage or account they represent (e.g. IKE, IKZE, XTB, Binance). Each wallet tracks one account independently.

Summary is always the first entry and is computed automatically as the aggregate of all your wallets. It is read-only — you cannot add transactions to it directly.

Holdings

Holdings are created automatically when you record a BUY transaction. There is no separate "add holding" form. Each BUY transaction adds to (or creates) the matching position in your wallet.

The holdings table shows each position with live price data, current value, today's change in PLN and %, and allocation percentage. On mobile, holdings display as stacked cards. On desktop, they appear in a table with sortable columns.

To edit or delete a position, tap the ✏️ or 🗑️ icons on the holding row. To record a trade against an existing holding directly, use the Buy or Sell chip buttons on the holding card.

Recording transactions

Transactions are recorded in a slide-up panel (bottom sheet) that opens without leaving the holdings view. To open it:

• Desktop: click New transaction in the wallet overview bar.
• Mobile: tap the + Transaction floating button at the bottom of the screen.
• From a holding card: tap Buy or Sell to open the panel with that holding pre-selected.

Inside the transaction panel, select the type using the buttons at the top:

For Buy and Sell, start by searching for the asset. Two sources are supported:

• Yahoo Finance — for stocks, ETFs, crypto, and international assets (e.g. CDR.WA, AAPL, BTC-USD). Use arrow keys and Enter to navigate results.
• Polish TFI — for Polish mutual funds (TFI). Enter the bankier.pl fund code and press Lookup.

Enter the quantity (number of units) and trade value (total cash impact in PLN). Commission and a free-text comment are optional under Advanced options. A live review summary appears before you submit.

The panel has two tabs — Trade (new transaction) and History (past transactions and daily value snapshots for the selected wallet). On mobile, swipe down from the handle at the top to dismiss the panel.

All-Time High (ATH) management

Roastfolio tracks the All-Time High (ATH) portfolio value for each wallet and for the overall portfolio. ATH is used on the dashboard gauge to show how close you are to your peak. By default, ATH is computed automatically from your daily value snapshots.

To view or edit ATH for a wallet, open the Wallets tab and select the wallet from the list. In the wallet overview bar you will see an All-Time High (ATH) row showing the current peak value, its date, and whether it was set automatically or manually.

Tap the ✏️ icon to expand the ATH editor:

• Manual ATH date — pick the date on which the peak occurred.
• Manual ATH value (PLN) — enter the peak value in PLN.
• Click Save manual ATH to persist your override. The dashboard gauge will immediately reflect the new ATH.

Manual ATH does not permanently disable automatic updates — if a new daily snapshot exceeds the stored ATH, the system will still update it automatically. Manual ATH only sets the current floor.

Summary wallet — selecting Summary in the wallet list shows and lets you edit the ATH for the aggregated total portfolio value.

Asset Analysis

The Analysis screen provides deep-dive research tools for any stock, ETF, or crypto asset. Use it to explore detailed price history, financial statements, and earnings data before making investment decisions.

Opening the Analysis screen

There are multiple ways to access the Analysis screen:

• From Dashboard movers: Click any holding in the "Daily Movers" section to open its analysis.
• From Portfolio tables: Click any row in the portfolio holdings table (desktop or mobile).
• From Chart legends: Click any company name in pie chart legends.
• From Wallets: Click the company name/logo in any wallet's holdings list.
• Direct search: Open the Analysis tab from the sidebar and search for any ticker symbol.

Search and selection

At the top of the Analysis screen is a search bar where you can enter any ticker symbol or company name (e.g. AAPL, CDR.WA, Meta, BTC-USD). Results appear instantly from Yahoo Finance's global database. Holdings you already own are marked with a ✓ Owned badge.

Use arrow keys to navigate the dropdown and press Enter to select an asset. The analysis loads automatically with a smooth animated loader.

Price history chart

The main chart shows the asset's price history with the following features:

• Time range buttons: 1D, 1W, 1M, YTD, 1Y, 5Y, ALL — click to reload the chart with different historical depth.
• Transaction markers: If you own the asset, your BUY and SELL transactions appear as markers on the chart:
  • 🟢 Green arrow up = BUY transaction
  • 🔴 Red arrow down = SELL transaction
  • 🟠 Orange circle = both BUY and SELL on the same date
• Tooltip: Hover over a transaction marker to see details (type, quantity, price).
• Responsive zoom: The chart automatically adjusts to fit the selected time period.

Fundamental properties

Below the chart, a grid displays key fundamental metrics fetched from Yahoo Finance:

All metrics display "—" when data is unavailable (common for small-cap stocks, crypto, or newly listed assets).

Cash Flow Statement

For companies with available financial data, the Analysis screen shows a detailed Cash Flow Statement covering the last 5 years. This section includes:

• Annual/Quarterly tabs: Switch between yearly summaries and quarterly breakdowns (last 8 quarters).
• Key metrics: Operating Cash Flow, Free Cash Flow, Capital Expenditures, Dividends Paid, and more.
• Scrollable table: Horizontal scroll on mobile; first column (metric names) stays fixed.

Cash flow data is particularly useful for evaluating a company's ability to generate cash, fund operations, and pay dividends.

Income Statement

The Income Statement section displays profit-and-loss data for the same 5-year period:

• Annual/Quarterly tabs: View yearly income statements or drill into quarterly results.
• Key metrics: Total Revenue, Operating Income, Net Income, EBITDA, Gross Profit, and more.
• Growth analysis: Compare year-over-year or quarter-over-quarter trends directly in the table.

This data helps assess profitability, revenue growth, and operational efficiency over time.

Best practices for analysis

• Before buying: Check the P/E ratio, revenue trends, and cash flow to assess valuation and financial health.
• After earnings: Review the latest quarterly results to see if the company met expectations.
• For dividends: Look at dividend yield and check the cash flow statement to confirm sustainability.
• For growth stocks: Focus on revenue growth and operating cash flow trends rather than current profitability.
• Compare holdings: Open multiple assets (via dashboard or portfolio) to compare fundamentals side-by-side in separate browser tabs.

Privacy & Security

How authentication works

Roastfolio uses AWS Cognito — Amazon's managed identity service — for all authentication. Your password is never stored or even seen by the application code. The login flow uses the industry-standard SRP (Secure Remote Password) protocol: only a cryptographic proof is exchanged, not the plaintext password.

After login, Cognito issues a signed JWT token (JSON Web Token). Every API call includes this token in the Authorization header. The backend Lambda function validates the token's signature against Cognito's public key before processing any request. If the token is invalid, expired, or missing, the request is rejected with HTTP 401.

Your data — strict per-user isolation

Every item stored in the database (portfolios, holdings, transactions, snapshots) uses your Cognito user ID (sub) as the primary partition key. This is a unique, non-guessable UUID assigned at signup.

The backend code enforces that your token's user ID matches the requested data's partition key on every read and write. It is technically impossible for one logged-in user to access another user's data through the application's API — even if they know the other user's e-mail or ID.

Infrastructure security

Developer access policy

As the developer and sole operator of Roastfolio, I have administrative access to the AWS account that hosts your data. This is technically unavoidable for a solo-operated SaaS. Here is how I limit and account for that access:

Data encryption

All data is encrypted at rest (DynamoDB server-side encryption, S3 SSE) and in transit (TLS via CloudFront and API Gateway). The encryption keys are AWS-managed (AES-256). As the account owner I have administrative access to these keys, which is consistent with the operational access model described above.

Audit logging

AWS CloudTrail is enabled on the AWS account and records every API call made to DynamoDB, Lambda, and S3, including the identity making the call, the timestamp, and the source IP. These logs are stored in S3 and cannot be altered retroactively without detection. In practice, this means that any access to your data — including by the developer — leaves an immutable record.

Frequently Asked Questions

Can the developer see my portfolio data?

Technically yes — as the AWS account administrator I can query the DynamoDB tables directly. Practically: I do not do this in the normal course of operating the service, and any time I do (e.g. to investigate a bug you reported) it is recorded in CloudTrail. I have committed above not to read or use your data beyond what is necessary to run the service.

If this level of trust is not sufficient for you, I recommend not storing sensitive financial data in any cloud-hosted service without client-side encryption.

How is my data backed up?

All DynamoDB tables have Point-in-Time Recovery (PITR) enabled. This means AWS continuously backs up your data and it can be restored to any point within the last 35 days. In the event of accidental data loss I can restore a table backup to recover your portfolios and transactions.

How do I delete my account?

Go to Settings → Account → Delete account. This will permanently delete your Cognito account, all your portfolios, holdings, transactions, and snapshots from DynamoDB. The deletion is irreversible. Because DynamoDB PITR retains backups for up to 35 days after deletion, residual copies may exist in backups during that window and are then permanently purged.

🏆 Milestones & Achievements

What is this?

Roastfolio tracks your investing habits over time and rewards consistency with streaks, milestones, and badges. The goal is to make the boring middle of long-term investing feel like it's going somewhere — because it is.

Everything is calculated automatically from your transaction history. There is nothing to opt into: the moment you make your first deposit, the system starts tracking. The only things that require manual setup are the monthly deposit goal and retirement plan, which unlock additional streak and milestone types.

Where to find it

Achievements surface in three places:

• Dashboard engagement strip — a row of scrollable streak pills just below the portfolio header (contribution streak, check-in streak, level, recent badges). Tap any pill to open the full achievements screen.
• Achievements page — accessible from the strip or directly via achievements.html. Shows all streaks with animated ring progress, next milestone progress bar, the full badge collection (unlocked + locked), and a monthly recap.
• Transaction confirmations — after recording a buy, sell, deposit, or withdrawal, a one-liner appears. These are purely informational and slightly sarcastic.

Streaks

A streak is a consecutive run of a specific behavior, measured in months or trading days. Streaks reset if you miss a period — but your personal best is always saved and visible in the achievements screen as a "former streak" record.

Milestones

Milestones are one-time achievements. When you cross one, a badge unlocks and a roast fires. They never expire and can only be earned once each. The Achievements screen shows four separate milestone timelines — Portfolio value, Investor journey, Monthly deposit best, and FIRE progress (if a retirement plan is configured). Each timeline shows past milestones with the date reached, the next target with a live progress bar, and future milestones muted below.

Portfolio value

Triggered when your total portfolio value (all portfolios combined) crosses a threshold for the first time. The badge is awarded on first crossing only — if the market dips below and recovers, no second badge. XP from each threshold is awarded cumulatively: a 150 000 PLN portfolio earns XP for all thresholds below it.

Investor journey (from first investment date)

Time-based milestones counted from the date of your first ever recorded transaction — not account creation. The clock starts when money moves.

Monthly deposit personal best

Unlocked the first time you deposit above a threshold in a single calendar month — rewards your biggest months, not just consistency.

Thresholds: 1 000 / 2 500 / 5 000 / 10 000 / 25 000 / 50 000 / 100 000 PLN in one month.

Retirement progress

Triggered at 10 / 25 / 50 / 75 / 90 / 100% of your FIRE target. Only active if you have a retirement plan configured. See Setup & configuration for details.

Badges & tiers

Every milestone and streak achievement unlocks a badge. Badges come in five tiers — rarity reflects how long or how difficult the achievement is to earn, not whether it's valuable. A Seed badge for your first deposit matters.

In the achievements screen, locked badges appear as silhouettes at reduced opacity. Tapping a locked badge shows exactly what it requires and how close you are. Nothing is hidden — you always know what's next.

XP & Level Calculation

XP (experience points) are derived entirely from real transaction and portfolio snapshot data. There are no artificial engagement loops — you earn XP for financially meaningful actions only. The engine (xp-engine.js) recomputes automatically every time transaction history or portfolio prices are refreshed.

XP rule table

Deposit bonuses are tiered, not cumulative. A 1 200 PLN deposit earns base (+15) plus the ≥1 000 PLN tier (+15) — the +5 (≥500) tier is superseded. Diversification bonuses are cumulative: reaching 10 holdings awards all three tiers (+30 + +50 + +80 = +160 total). Portfolio milestone bonuses are also cumulative — a 150 000 PLN portfolio earns +50 + +100 + +200 + +400 = 750 XP for all four crossed thresholds.

Level thresholds

Streak calculation

Streaks are computed from transaction history every time data refreshes. Each streak also persists its personal best in localStorage so the all-time high is never lost if a streak resets.

Badge derivation

Each badge is evaluated against a specific condition derived from real data. Below is the full derivation logic for every badge in the system.

Most streaks and milestones require no setup — they're computed automatically. Two features need configuration to unlock their respective achievements:

Multiple retirement plans — how progress is calculated

Roastfolio allows you to create more than one retirement plan (e.g., a conservative scenario and an aggressive scenario with different target values). Here is how the achievements system handles that:

The FIRE progress percentage is always calculated as:

/* Total value of ALL portfolios ÷ primary retirement plan target */
FIRE % = (sum of all portfolio values) / (primary plan target) × 100

This means your full wealth counts toward the goal, not just the assets in "retirement-tagged" portfolios. Rationale: when you retire, all your money is relevant — artificially restricting the calculation to specific portfolios would understate your actual progress.

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