# `zfin audit`

Two modes in one command: a portfolio hygiene check, and reconciliation
against a brokerage export.

```
Usage: zfin audit [opts]
```

**Flagless** runs the hygiene check -- stale manual prices,
accounts overdue for update, and auto-discovered brokerage-file
candidates. **With brokerage flags**, it reconciles your portfolio
against the export (treating the brokerage as source of truth) and
reports discrepancies.

## Options

| Flag               | Effect                                                                     |
|--------------------|----------------------------------------------------------------------------|
| `--verbose`        | Show full reconciliation output even when clean.                           |
| `--stale-days <N>` | Manual-price staleness threshold (default 3).                              |
| `--fidelity <CSV>` | Fidelity positions CSV ("All accounts" -> Positions tab -> Download).      |
| `--schwab <CSV>`   | Schwab per-account positions CSV.                                          |
| `--schwab-summary` | Schwab account summary: paste from the summary page to stdin, then Ctrl-D. |

Reconciliation matches export accounts to yours via `institution::` and
`account_number::` in [`accounts.srf`](../config/accounts-srf.md); an
unmatched account is reported as "unmapped."

The hygiene check also flags newly-appeared lots worth at least
$10,000 in a **Large new lots - confirm source** section, so you can
confirm whether each is a real contribution or an unrecorded transfer.
The cutoff is per account -- raise or lower it on an account's record
via [`audit_large_lot_threshold`](../config/accounts-srf.md#audit_large_lot_threshold)
in `accounts.srf` (e.g. to silence a noisy ESPP account).

## Example (hygiene check)

```bash
ZFIN_HOME=examples/pre-retirement-both zfin audit
```

```
  Portfolio hygiene

  Stale manual prices (>3 days - --stale-days to configure)
    (none)

  Accounts overdue for update (weekly default - set update_cadence in accounts.srf)
    Sam 401k                         weekly    no update history found
    Joint taxable                    weekly    no update history found
```

> Brokerage exports contain real account numbers and holdings. Keep
> them out of any git repo and delete them after reconciling.

## See also

- [Audit against your brokerage](../../guides/audit-against-brokerage.md) -- the workflow.
- [`import`](import.md) -- build a portfolio file *from* an export instead.
- [`accounts.srf` reference](../config/accounts-srf.md) -- `update_cadence`, `institution`, `account_number`.

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[CLI command reference](index.md)