Question 1

What exactly is Planafolio?

Accepted Answer

Planafolio brings portfolio tracking across every broker and retirement planning together in one place. You see your portfolio value, your returns, and your real metrics — instead of searching across multiple broker apps.

Question 2

Do I need any technical background?

Accepted Answer

No. You can enter holdings manually or import them via CSV from your broker statements — a wizard guides you through the import.

Question 3

Can I create multiple portfolios?

Accepted Answer

Yes. On the free plan you manage one portfolio; with Planafolio Pro, as many as you like — for example split by broker, strategy, or family member.

Question 4

Is there a mobile app?

Accepted Answer

Not as a separate app, but Planafolio works just as well as a web app in your mobile browser — no installation needed.

Question 5

What does Planafolio cost?

Accepted Answer

The core is free forever: one portfolio, core metrics, and 90 days of value history. Planafolio Pro unlocks unlimited portfolios, CSV import, benchmark comparison, X-ray allocation, and the full retirement planning suite.

Question 6

Is there a minimum term?

Accepted Answer

No. Planafolio Pro is cancellable monthly, with no minimum term.

Question 7

Can I cancel at any time?

Accepted Answer

Yes, directly in your account settings. After cancelling, Pro stays active until the end of the already-paid period, then your account automatically returns to the free plan.

Question 8

What happens to my data if I cancel?

Accepted Answer

Your data stays fully intact — you're simply moved back to the free plan. You can delete your account separately at any time in account settings.

Question 9

How secure is my data?

Accepted Answer

Credentials and holdings are stored encrypted, and servers and backups run on German infrastructure. See our

Question 10

Do you sell my data or show me product ads?

Accepted Answer

No. Planafolio doesn't sell financial products and doesn't share your data with third parties for that purpose.

Question 11

Do you use my financial data to train AI models?

Accepted Answer

No. Your portfolio and wealth data is never used to train AI or machine learning models.

Question 12

Which brokers are supported?

Accepted Answer

CSV import automatically recognizes statements from common brokers. Holdings can also be entered manually at any time — for brokers without automatic recognition.

Question 13

What happens if a row isn't recognized during import?

Accepted Answer

The import skips unrecognized rows instead of importing faulty data, and lists them for you after the import so you can review or add them manually.

Question 14

Can I export my data again later?

Accepted Answer

Yes, anytime as a full JSON export directly in account settings — no support request needed.

Question 15

How does the Future Twin work?

Accepted Answer

The Future Twin simulates your capital trajectory into old age, including inflation adjustment — based on your real portfolio, your savings rate, and realistic return assumptions.

Question 16

Are taxes factored into the planning?

Accepted Answer

Yes, the retirement simulation accounts for capital gains tax on realized gains.

Question 17

Is this binding financial advice?

Accepted Answer

No. The projection is an orientation aid based on assumptions and doesn't replace individual financial advice.

Frequently asked questions