Skip to content

Portfolio tracking and financial planning from your real data

Will your money last through retirement?

Import your portfolio and see where you stand today, how your wealth could develop and whether you are on track.

Start for free
Or run your own numbers right away ↓
  • Start for free, no credit card
  • Hosted in Germany
  • No product sales, no trading or withdrawal functions
Planafolio overview with total wealth, allocation by asset class and value development of the example portfolio

Real screenshots of the Planafolio example portfolio (demo account) — no customer data, no forecast.

Overview

See all your wealth in one place.

Three broker apps, three numbers, no overview? Planafolio brings portfolios, cash, crypto and other assets together — via CSV, PDF, by hand or auto-sync for supported providers.

Every position

Every position across all portfolios — with cost basis, current value and gain/loss.

Securities list of the example portfolio with price, position, price gain, dividends and realised result

Metrics that matter: XIRR, TTWROR (Pro) and drawdown — clearly explained.

Example data for illustration.

Analysis

Understand return, risk, costs and diversification.

Planafolio scores the quality of your portfolio and looks inside your ETFs — down to country and sector.

Pro

Portfolio health score

6 dimensions from diversification to crisis resilience — the most important issues first.

Health score 61 out of 100 with the first dimensions

Real fund look-through

Your MSCI World ETF is broken down into the real countries and sectors it holds — revealing your true diversification.

X-ray: the five largest countries in the example portfolio
Financial plan

Plan your next decades.

Four sliders, one answer: will your wealth cover your retirement? Move the values and see your capital path in today's purchasing power.

years
€
€
years

Assumptions: €3000 desired pension (today's purchasing power), €1450 state pension, 6% return, 2% inflation. Simplified model calculation, not investment advice.

Your capital runs out at 77 — 13 years too early.

At 67 you'd have around €604,233 — worth €302,133 in today's purchasing power.

With your real portfolio, Planafolio runs this automatically — including taxes, other assets and withdrawals in retirement.

Scenarios

Simulate different future scenarios.

How robust is your plan if markets perform worse? Planafolio calculates cautious, base and optimistic — with your real portfolio data.

How Planafolio calculates →
Cautious
59 %
Base
145 %
Optimistic
292 %
Plan coverage per scenario (example profile)

Success probability (Pro): in 75% of 500 simulated market paths the money lasts until 90 in the base scenario — model-based under example assumptions.

How your financial plan changes over time

The same example profile, only the savings plan starts later. Until then, only the existing portfolio grows.

Start today
145 %
€4,341 / month
Start in 1 year
141 %
€4,232 / month
Start in 5 years
129 %
€3,856 / month
Plan coverage and retirement income (today's purchasing power) per start date

Example profile, calculated with the same engine as the app. A model, not a forecast, not investment advice.

Since your last visit

What has changed?

  • Your portfolio value rose by €1,517.Market +€717 · Deposits +€800
  • Your plan coverage moved from 144% to 145%.
  • Your health score moved from 73 to 78.

Example values

Changes

Find out what has changed.

At your next login you see what happened since your last visit — and which notes matter right now.

  • Portfolio value, split into market movement and your own deposits
  • Change in plan coverage and health score
  • Up to three notes with a next step

In pictures

This is what Planafolio looks like.

Screenshots from the example portfolio: financial plan, dividends, taxes and performance.

  • Financial plan with 190 percent plan coverage

    Financial plan

  • Dividends: key figures and largest payers

    Dividends

  • Savers' allowance with used and remaining amount

    Taxes

  • Performance comparison with MSCI World, S&P 500 and DAX

    Performance

Your broker is supported — 66 providers via CSV, PDF or – depending on the provider – auto-sync

  • Trade Republic
  • Scalable Capital
  • comdirect
  • ING
  • DKB
  • Consorsbank
  • flatex
  • Interactive Brokers
  • Trading212
  • Smartbroker+
  • Bitpanda
  • Kraken
  • Coinbase
  • Binance

  • No silent misbookings

    Unknown transaction types land in a mapping view until every row is accounted for.

  • Quote and settlement currency kept apart

    Quote and settlement currency are tracked separately — so prices and returns stay right.

  • Cancellations & reversals

    Cancellations are recognised as reversals, and every import can be undone completely.

See all supported providers

Security

Your financial data deserves real protection

Portfolio and net-worth data is sensitive. Planafolio treats it accordingly.

Servers in Germany

Credentials and backups encrypted

Broker credentials and 2FA keys with AES-256-GCM, passwords stored only as bcrypt hashes, backups with AES-256, every connection over TLS.

No product sales

Planafolio sells neither financial products nor your data. Your portfolio data never goes to an advertising partner; ad measurement only with your consent.

Clear terms

Cancel online, no reason needed — monthly plan cancellable each month, yearly plan at the end of its term.

Why Planafolio

From portfolio value to financial plan.

Seven principles Planafolio is built on — each with the place where you can check it.

  • Real data from several sources

    Portfolios, cash, crypto and other assets via CSV, PDF, by hand or auto-sync for supported providers — in one picture.

    Supported providers

  • Analysis, not just tracking

    Return, risk, costs and diversification down into your ETFs.

    See the portfolio analysis

  • A financial plan, not just a portfolio value

    Your wealth becomes a plan: savings rate, goals, retirement in today's purchasing power.

    Calculate your pension gap

  • Retirement, not just performance

    State pension, taxes and withdrawals belong in the calculation — not just the return.

    Retirement guide

  • Data quality instead of blind trust

    Missing prices, old imports and unclear bookings are shown, not silently calculated away.

    How we calculate

  • Independent, no product sales

    No commissions on financial products, no trading function — funded by the Pro subscription.

    Security & independence

  • Transparent models, no false precision

    Assumptions, scenarios and methodology are open — results hold within the model, not as a promise.

    Read the methodology

  • You stay in control

    Delete your account yourself at any time, cancel online in a few clicks, information about your data on request.

    Privacy policy

Pricing

Start for free, see everything with Pro

Pro costs €7.99/month or €79/year (equivalent to €6.58/month) — monthly plan cancellable each month, yearly plan at the end of its term. The plan comparison shows what Free and Pro each include.

See pricing

FAQ

Frequently asked questions

See all questions →

Analyse your portfolio by broker

Import holdings via CSV export or PDF statement — your account at the broker stays untouched. For the optional auto-sync, Planafolio stores your API key encrypted and only calls read-only endpoints. Use only API credentials with read permissions. For Binance, Coinbase and OKX, Planafolio checks the key's permissions automatically and rejects keys with trading or withdrawal rights; for all other providers, the permissions you grant are not checked automatically.

All supported brokers

Create your financial plan.

The core stays free forever.

Start for free