HQ Wealth

HQ Wealth is a web-based accounting system for people who need one ledger across crypto and conventional assets. It is most suitable for investors, families, and accountants managing multiple wallets, exchanges, banks, and tax lots. The accounting and reconciliation depth is its strongest reason to choose it, while the free tier is best treated as a small-scale trial.

Overview

HQ Wealth uses double-entry bookkeeping to combine cash, equities, property, crypto, bank accounts, brokerages, wallets, and exchanges in a single book. That makes it more appropriate for formal records and tax preparation than for simple portfolio viewing. It is software, not a bank, broker, custodian, exchange, or licensed financial adviser, and it neither executes trades nor holds cryptocurrency.

Key features

Crypto coverage is broad for a web product: HQ Wealth supports 32 EVM chains and 25 exchange integrations, alongside wallet, exchange, and bank imports. Cost-basis tracking supports FIFO, LIFO, and HIFO, with FIFO as the default. Modeling a disposal before trading helps users compare potential tax-lot outcomes without placing the trade itself.

Reconciliation checks imported movements against canonical chain state, exchange API balances or CSV statements, and bank feeds. Unmatched items enter a reconciliation queue, giving accountants and serious investors a defined exception workflow rather than silently accepting incomplete data. Automatic internal-transfer pairing can reduce duplicate movement cleanup, while scam and airdrop tokens are flagged against a system-wide blocklist; those safeguards reduce noise but do not remove the need to review exceptions.

Tax outputs include jurisdiction-aware packs for 12 countries. The accounting side adds an IFRS-style general ledger, trial balance, and account reports, with accounting exports for downstream work. Postings are timestamped and immutable, while edits update in place and retain a full audit log, supporting review of how a record changed.

Security controls are explicit. Sensitive fields are encrypted at rest with AES-256-GCM and per-user HKDF-SHA-256-derived keys. Wallet connections use signed ownership messages; exchange keys must be read-only, and HQ FS says it never receives private keys or signing capability. Its coordinated vulnerability disclosure program provides [email protected], a 90-day disclosure window, and security.txt on every domain.

Pricing

The free plan, HQ · VIP 0 · Free forever, costs free and includes one portfolio, 12 templates, five on-chain scans per portfolio per month, one 10-item watchlist, and a watermarked tax extract. It is suitable for a small holding set or evaluation, but the scan, watchlist, and single-portfolio caps will constrain active or multi-client users.

For usage-based imports, 100,000 API calls costs 25.00 USD once; its credits do not expire. 1,000,000 API calls costs 200.00 USD once, also with non-expiring credits. These consumable buckets fit users who can estimate import volume better than they can justify a recurring subscription.

The Tax pack — current year costs $49 a year, billed as a 12-month pass with no auto-renewal, for one jurisdiction and one tax year, including an IFRS-compliant PDF and CSVs. VIP 1 — Lifetime unlock costs 50.00 USD once, never expires, and cannot be purchased twice. Premium imports — 1y costs $120 a year, has no auto-renewal, and provides unlimited high-throughput on-chain and exchange imports while bypassing the standard /api/import rate limit. The cheaper plans give up either import capacity, tax coverage, or portfolio scale, so larger books should budget for add-ons rather than assume the free tier will expand with them.

Platforms

HQ Wealth runs on the web. Its Singapore headquarters and browser delivery suit distributed families and accounting practices, though the product facts identify no native desktop or mobile applications.

Who it's for

Choose HQ Wealth when you need reconciled books spanning crypto and traditional assets, explicit cost-basis methods, jurisdiction-aware tax output, and an audit trail. It is a strong fit for accountants and households with varied custodial accounts. It is a poor fit if you want trade execution, custody, or a generous free allowance for many portfolios and high-volume imports.

Pros and cons

• Pro: One double-entry ledger covers crypto, cash, equities, property, banks, brokerages, wallets, and exchanges.
• Pro: FIFO, LIFO, and HIFO modeling plus reconciliation queues support defensible tax and accounting work.
• Pro: Twelve-country tax packs and IFRS-style reports extend beyond basic portfolio tracking.
• Con: The free plan allows only one portfolio, five monthly on-chain scans, and a watermarked tax extract.
• Con: Larger import workloads require separate API-credit or premium-import purchases.
• Con: It does not trade or custody assets, so execution and safekeeping remain separate responsibilities.

Alternatives

Browse the Crypto Accounting Software list for more options.

Kryptos is the better choice for users who want Android, iOS, API, and web access, a free tier covering up to 100 transactions per tax year, and a free trial. Pacioli suits readers who prefer free, open-source software across Linux, macOS, Windows, self-hosting, and the web. CoinTracking is an alternative with Android, iOS, API, and web support, a seven-day unlimited-import trial, and a portfolio-view free plan. rotki is for users wanting Linux, macOS, Windows, or self-hosted deployment with a free allowance of 1,000 recent events. CryptaCount offers a web-based B2B plan with one user, one workspace, one wallet, 1,000 transactions per month, and one blockchain. Tokenbooks provides API and web access, with a free plan for one portfolio, five wallets, and 1,000 total transactions. Wag3s is a free web option during its Alpha period. Reckonry is a free alternative for Linux, Windows, or self-hosted use.

Verdict

HQ Wealth is a compelling choice for investors, families, and accountants who need a reconciled, auditable ledger and serious cost-basis and tax outputs across mixed assets. Choose it for accounting control and broad integrations; look elsewhere if you need trade execution, custody, native mobile apps, or substantially higher free-plan limits.