Est. Reykjavík

See your total wealth 
in one place.

Considered financial oversight for those who demand quality and discretion.

Heildarvirði.is brings your finances, property, portfolio and companies together into a clear overview so you can make better decisions.

See subscription plans

Data from recognised sources. A clear overview. You stay in control of your information.

Heildarvirði.is provides overview and information — not personalised investment advice.

LI VIGNI PARTNERS · AI

Your private AI
for sharper insight.

LI VIGNI PARTNERS is the AI built into Heildarvirði.is. It reads your data — finances, portfolio, property and companies — and shows you patterns, benchmarks and opportunities in plain language. It is not a licensed financial advisor. It is an intelligent lens on your own numbers.

  • Full picture
    Finance, portfolio, property and companies — analysed together.
  • Icelandic context
    Tax rules, cost-of-living and market data tuned for Iceland.
  • Insight, not advice
    Patterns and trade-offs explained. Decisions stay yours.
  • Elite, discreet tone
    No noise, no upsell. Considered answers in plain language.
Get insight into the service

TAP THE LVP BADGE — BOTTOM RIGHT — TO TALK TO THE AI NOW.

LI VIGNI PARTNERS AI
LVP
AI insight
“I don't tell you what to do. I show you what your numbers already say.”
Membership

Four ways to a better overview.

Convenient membership tiers — monthly equivalent shown for comparison.

I.
Finance

Finance

Automatic oversight of your household finances with tailored optimisation.

  • Automatic transaction sorting
  • Country-level cost-of-living index
  • Monthly briefing
Also includes

The foundation — the base every other tier builds on.

$2/mo
$21 · billed yearly
II.
Portfolio

Portfolio

Real-time portfolio intelligence, DCF fair values and deep company dossiers.

  • Live data from major exchanges
  • DCF fair value on every holding
  • Dividend calendar
Also includes

Includes everything in I. Finance.

$20/mo
$239 · billed yearly
III.
Property

Property

Property intelligence, mortgage modelling and public-registry market data.

  • Property intelligence & mortgage modelling
  • Optimal buy/sell window insights
  • Unified dashboard across segments
Also includes

Includes everything in I. Finance and II. Portfolio.

$40/mo
$479 · billed yearly
Best choice
IV.
My Companies

My Companies

The complete house — everything in I–III plus company valuation and unlimited entities.

  • Company valuation & total value
  • Automatic asset build-up
  • Unlimited companies
Also includes

Includes the entire suite — I. Finance, II. Portfolio and III. Property.

$60/mo
$719 · billed yearly
Inside

What each membership includes.

A clear look at every service — what you get, how it works, what you gain.

I.
Finance
How it works
  • Full financial-health score (A–E)
  • Cost-of-living comparison across the world's top 50 countries
  • Optimisation ideas from the LI VIGNI PARTNERS analysis desk
Your gain

The average member reclaims ~$2,450 a year in hidden fees and idle subscriptions.

II.
Portfolio
How it works
  • Deep dossier on every company — CEO, assets, debt, peers
  • Dividend income shown per second, minute, hour, day, week, month and year
  • Community fair-value view — see the consensus among other members
Your gain

Average members outperform their prior returns by 2.3 pp per year through sharper timing.

III.
Property
How it works
  • 10-year projection of value, debt and equity per property
  • Timing intelligence — best month to buy or sell in your market
  • Unified LI VIGNI PARTNERS analysis across every part of your finances
Your gain

Tier III members save on average ~$9,800 per year versus going it alone.

IV.
My Companies
How it works
  • Total company value computed automatically from revenue, inventory and assets
  • Unified dashboard across personal and corporate finances
  • Deep LI VIGNI PARTNERS analysis of operations, cash flow and equity growth
Your gain

Company owners see an average 4.2% annual equity uplift from unified oversight.

Hvernig virkar það

Frá fyrsta smelli til fullrar yfirsýnar.

Þrjú skref sem sýna hversu einfalt það er að byrja.

01

Tengdu tekjur og útgjöld

Sláðu inn eða tengdu bankareikninga. Sjálfvirk flokkun greinir hvern kostnaðarlið.

02

Rauntíma yfirsýn

Sjá afgang, þyngstu flokka og frávik frá mánaðaráætlun um leið.

03

LI VIGNI PARTNERS greining

Mánaðarlegar tillögur um sparnað og hagræðingu byggðar á þínum gögnum.

A → Q

Einfalt ferli — frá skráningu til fullrar yfirsýnar.

Sautján skref sem sýna hvernig Li Vigni Partners hjálpar þér að hagræða kostnaði, fylgjast með hlutabréfum og halda utan um allar eignir þínar á einum stað.

  1. A
    Skref 1 af 17

    Skráning

    Þú býrð til reikning á innan við mínútu — engin skuldbinding fyrr en þú velur áskrift.

  2. B
    Skref 2 af 17

    Val á áskrift

    I fyrir ráðsmennsku, II fyrir portfolio, III fyrir fulla yfirsýn. Þú velur — engin sölusamtöl.

  3. C
    Skref 3 af 17

    Tenging gagna

    Bankar, hlutabréfareikningar og fasteignaupplýsingar tengjast með öruggum hætti á nokkrum mínútum.

  4. D
    Skref 4 af 17

    Sjálfvirk flokkun

    Öll færsla er greind og flokkuð — húsnæði, matvara, samgöngur, áskriftir, fjárfestingar.

  5. E
    Skref 5 af 17

    Rauntíma mælaborð

    Þú sérð heildarmynd fjármála þinna í einu — tekjur, útgjöld, eignir og skuldir.

  6. F
    Skref 6 af 17

    Kostnaðarvísir

    Framfærslukostnaður í þínu landi borinn saman við top 50 lönd heims.

  7. G
    Skref 7 af 17

    Markaðsgögn

    Rauntímaverð, arðgreiðslur og sanngjarnt verðmat fyrir öll bréf í eigu þinni.

  8. H
    Skref 8 af 17

    Fasteignagreining

    Framtíðarvirði, lánakostnaður og söluglugginn — hvenær er best að kaupa eða selja.

  9. I
    Skref 9 af 17

    Greining Li Vigni Partners

    Sjálfvirkar tillögur um sparnað, endurjafnvægi og skattaoptimeringu byggðar á þínum gögnum.

  10. J
    Skref 10 af 17

    Viðvaranir

    Þú færð tilkynningu ef sparnaðarhlutfall fellur, skuldabyrði hækkar eða eign víkur frá markmiði.

  11. K
    Skref 11 af 17

    Fréttastraumur

    Fjármálafréttir sem tengjast beint þínu safni og þínum markaði.

  12. L
    Skref 12 af 17

    Framtíðarspá

    10 ára líkan af eignum, kostnaði og ávöxtun byggt á sögulegum gögnum og verðbólgu.

  13. M
    Skref 13 af 17

    Mánaðarleg skýrsla

    Yfirferð með tillögum — hvað gekk vel, hvað má bæta, næstu skref.

  14. N
    Skref 14 af 17

    Samfélagið

    Deildu og lestu ráð frá öðrum áskrifendum um lífsstíl, sparnað og fjárfestingar.

  15. O
    Skref 15 af 17

    Rauntímagögn notuð

    Kerfið sækir gögn í rauntíma frá löggiltum opinberum aðilum — HMS, Fasteignaskrá, Skattinum, Kauphöllinni og fleirum — svo greiningin byggir á staðfestum heimildum.

  16. P
    Skref 16 af 17

    Endurskoðun markmiða

    Á 6 mánaða fresti stillum við saman markmiðin miðað við þína þróun og markaðinn.

  17. Q
    Skref 17 af 17

    Ró og yfirsýn

    Þú átt fjármálin — við sjáum um flækjuna. Það sem áður tók vikur tekur nú mínútur.

Prófaðu í rauntíma

Sjáðu hvað er inn í hverjum pakka.

Ýttu á áskrift til að sjá lifandi dæmi — engin skráning, engin skuldbinding.

Áunninn arður í dag (dæmi · safn 12,5 M kr.)
0.00 kr.
Í raun-safninu þínu birtast raunverulegar tölur pr. bréf, með rauntíma verðum og arðgreiðsludagatal.
Á sekúndu
0,0143 kr.
Á mínútu
0,86 kr.
Á klst.
51 kr.
Á dag
1.233 kr.
Á viku
8.654 kr.
Á mánuði
37.500 kr.
Á 6 mán.
225.000 kr.
Á ári
450.000 kr.
Realistic benchmarks

How Heildarvirði helps you gain clarity and results.

Full overview — assets, liabilities and cashflow in one place
100%
Average monthly savings on household spending
8–15%
Portfolio return uplift from a disciplined strategy / year
+1.5–2.5 pp
Hours saved on bookkeeping and follow-up / year
~40 hrs
Benchmarks based on Li Vigni Partners member experience. Individual results may vary.
Trust

Data you can rely on.

Heildarvirði.is uses data from recognised providers to present market data, company records and other key information clearly. Where applicable, data is labelled as real-time, delayed, or manually entered.

Hagstofa Íslands
CPI food · PxWeb open API
Real-time
ASÍ Vísitala
Consumer price watch · 150+ items
Real-time
Eurostat
HICP food · EU comparison
Real-time
HMS
Housing & property registry · live API
Real-time
Fasteignaskrá
Property valuations · live API
Real-time
Skatturinn
Ísland.is OAuth (in progress)
Delayed
Nasdaq Iceland
OMX Iceland · Nasdaq Nordic
Real-time
Nasdaq
Nasdaq US · global
Real-time
NYSE
New York Stock Exchange
Real-time
LSE
London Stock Exchange
Real-time
Euronext
Paris · Amsterdam · Brussels
Real-time
XETRA
Deutsche Börse · Frankfurt
Real-time
TSX
Toronto Stock Exchange
Real-time
TSE
Tokyo Stock Exchange
Real-time
HKEX
Hong Kong Exchanges
Real-time
SIX
SIX Swiss Exchange
Real-time
ASX
Australian Securities Exchange
Real-time
Yahoo Finance
Global equities · live
Real-time
Alpha Vantage
US markets · fundamentals
Real-time
ECB · FRED
Rates & macro
Real-time
Finnhub
Market data & news · global
Real-time
OpenFIGI
Global instruments
Real-time
Grocery intelligence

LI VIGNI PARTNERS helps you compare where you shop in Iceland.

We watch food inflation via Hagstofa & ASÍ and rank the chains in your country — from the cheapest weekly basket to the PREMIUM Icelandic choice, GÆÐI.is.

Country
Bónus
Usually lowest overall basket per ASÍ.
Cheapest
Krónan
Strong pricing plus fresh produce.
Value
Nettó
Weekly deals with delivery.
Value
Premium pick
GÆÐI.is
Icelandic quality goods — PREMIUM choice with stable pricing.
PREMIUM
Hagkaup
Broad range, 24/7 in Skeifan.
PREMIUM
Costco
Bulk buys — membership required.
Bulk
Iceland
Frozen goods at lower prices.
Value
Fjarðarkaup
Hafnarfjörður chain, no club sign-up.
Value

Sources: Hagstofa Íslands (CPI food), ASÍ price watch, Eurostat HICP, and official retailer offer pages.