Last year, Paul Graham listed a few Startup Ideas We'd Like to Fund.

#21: "Finance software for individuals and small businesses. Intuit seems ripe for picking off. The difficulty is that they've got data connections with all the banks. That's hard for a small startup to match. But if you can start in a neighboring area and gradually expand into their territory, you could displace them."

We all watched as Mint entered that space. But both Quicken and Mint fall short when it comes to handling stock investments. Their data connections with financial institutions provide real convenience, but pose issues of security and privacy.

The web is full of personal finance sites with ideas about buying stock. Few address the problem of selling stock from a portfolio to minimize realized capital gains and maintain balanced diversification. And even fewer calculate capital gains and support the preparation of Schedule D.

To maintain privacy, rather than relying on a direct import from each broker, Realized-app uses the FasterCSV gem to import trade history from a .csv history file.

Realized-app began as a Ruby on Rails demonstration project. Time will tell whether security and privacy trump convenience.