A free portfolio tracker that keeps counting to retirement.
Will your money last through retirement? Planafolio brings all your brokerage accounts into one place and realistically models whether it's enough — withdrawal simulation, not rules of thumb. Transparent, independent, no product sales.
Retirement assets · at 67
€612,000
Lasts until age 94Success probability
87%
Monthly pension
€2,100
- Free basics, forever
- Hosted in Germany
- No product sales
Read-only access — I can never move money or place trades
Across every broker — all your portfolios in one place
The problem
Three broker apps. Three numbers. Zero overview.
You should know whether your wealth will cover your retirement — instead you're juggling spreadsheet exports from other apps and guessing. Planafolio works it out for you instead.
- All your accounts in one place, regardless of broker
- Real metrics instead of gut feeling: XIRR, TTWROR, drawdown, Sharpe ratio
- Know whether your retirement plan holds up — a clear answer in minutes
- Inflation-adjusted planning all the way into old age
Portfolio
Numbers that make sense instantly
Prices, cost basis, gains and losses per position — always current, whether entered manually or imported via CSV. Not just brokerage accounts: cash, crypto, real estate, and other assets show up in the same overview. The figures below are example transactions for illustration.
Every position
Every position across all your portfolios — securities, crypto, commodities, real estate, and more — with cost basis, current value, and gain/loss.
Allocation
See at a glance how your wealth is spread across securities and asset classes.
Metrics that matter
XIRR, TTWROR, and drawdown instead of gut feeling — explained clearly, not just for professionals.
Example portfolio for illustration — the allocation and metrics on the right pick up the same example data.
Analysis
Your portfolio under X-ray
Metrics are just the beginning. Planafolio scores the quality of your portfolio and looks inside your ETFs — down to country and sector.
Portfolio health score
A score from five factors — diversification, cost ratio, risk/return, concentration, and currency risk — with concrete levers instead of guesswork.
Real fund look-through
Your MSCI World ETF doesn't count as a single exchange — it's broken down into the real countries and sectors it holds, revealing your true diversification.
Why Planafolio
Not another spreadsheet. Not another sales pitch.
Excel breaks with every new position. Your bank's app only shows what's held there. And an advisor usually ends up trying to sell you something. Planafolio doesn't.
Across every broker
One overview across all your accounts, instead of separate views per bank.
Calculated automatically
XIRR, TTWROR, drawdown, and Sharpe ratio — without maintaining a single formula yourself.
Independent
No funds or insurance sold. I earn from your subscription, not from your investment decisions.
Built for savers, not traders
Focused on clarity about your wealth — not charts for your next trade.
Switching?
Coming from another tracker?
Whether you already use Parqet, getquin or your bank's app: Planafolio's core is free forever, independent, and never sells you a financial product. See exactly where the differences lie.
See the comparisonSee today, whether your capital covers retirement
Four sliders, one answer: will your wealth cover your retirement? Move the values and watch how your capital — and its purchasing power — evolves up to retirement.
No pure portfolio tracker does this — only Planafolio connects your portfolio with your retirement planning.
Assumptions: €2200 desired pension (today's purchasing power), €1250 state pension, 6% return, 2% inflation. Simplified model calculation, not investment advice.
Your capital runs out at 83 — 7 years too early.
At 67 you'd have around €593,317 — worth €296,675 in today's purchasing power.
With your real portfolio, Planafolio runs the whole calculation automatically — including taxes, external assets, and scenario comparisons. Start now with your real numbers
And for the retirement phase, the withdrawal planner simulates how long your capital lasts under regular withdrawals.
Security
Your financial data deserves real protection
I know how sensitive portfolio and net-worth data is. So I treat it accordingly.
Stored encrypted
Credentials and holdings are stored encrypted, never in plain text.
No product sales
I don't sell financial products and never pass your data on for advertising or resale.
Hosted in Germany
Servers and backups run on German infrastructure.
No subscription risk
Pro can be cancelled monthly at any time — no minimum term.
Step by step
How it works
Step 1
Connect your accounts
Enter manually, import via CSV/PDF, or sync crypto exchanges and brokers automatically.
Step 2
See your metrics
Performance, XIRR, dividends, and allocation across all portfolios at a glance.
Step 3
Plan your future
Needs analysis and scenarios for retirement — based on your real wealth.
Step 4
No risk
Free core forever, Pro cancellable monthly — no minimum term.
Data import
Importing is where these tools usually break down
A portfolio tracker is only as good as the data going into it. That's where most of the work in Planafolio sits: recognised broker formats, verified PDF statements and automatic syncing.
- 31
- brokers, banks & crypto exchanges
- 18
- recognised CSV formats
- 13
- verified PDF statement formats
- 11
- of them with automatic sync
Your broker is supported — 31 providers via CSV, PDF or auto-sync
Trade Republic
Scalable Capital
comdirect
ING
DKB
Interactive Brokers
Trading212
Bitpanda
Kraken
Coinbase
Binance
No silent misbookings
Unknown transaction types don't vanish into nowhere. They land in a mapping view until every single row is accounted for.
Quote and settlement currency kept apart
A US stock is quoted in dollars while your broker settles in euros. Both are tracked separately — otherwise prices and returns quietly drift apart.
Cancellations & reversals
Cancellation documents are recognised as reversals rather than booked as extra income. And an import that doesn't fit can be undone completely.
Run the numbers before you decide
Every calculator is free and needs no account — you do not have to sign up to get an answer.
- Withdrawal Calculator
- Retirement Portfolio Calculator
- Compound Interest Calculator
- ETF Savings Plan Calculator
- XIRR calculator
- Financial Independence Calculator
- Capital Gains Tax Calculator
- Vorabpauschale Calculator
- Dividend Calculator
- Free portfolio analysis
Your broker is covered
Import holdings via CSV export or PDF statement — your account at the broker stays untouched, I never get access to it.
- Analyse your Trade Republic portfolio
- Analyse your Scalable Capital portfolio
- Analyse your comdirect portfolio
- Analyse your ING portfolio
- Analyse your DKB portfolio
- Analyse your DEGIRO portfolio
Why now
What happens if you wait?
If nothing happens
- Your pension gap stays invisible — until it's too late to close it
- Accounts scattered across brokers, but never a real overall picture
- Gut feeling instead of numbers for the most important financial decision of your life
If you start now
- Clarity in 5 minutes: your retirement check shows whether it's enough
- All accounts in one place, with real metrics like XIRR and TTWROR
- Enough lead time to course-correct today, instead of a shock at 60
Pricing
Start for free, see everything with Pro
The core of Planafolio is free forever. Planafolio Pro unlocks up to 10 portfolios, CSV import, benchmark comparison, dividend forecasting, and asset consolidation for retirement planning — cancellable monthly, no minimum term.
FAQ
Frequently asked questions
In 5 minutes you'll know more about your wealth than ever before.
Your first portfolio set up in minutes — free, no credit card, cancel anytime.
Start for free