Frequently asked questions

Planafolio brings portfolio tracking across several brokers 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.

No. You can enter holdings manually, import them via CSV, or upload your bank's PDF trade confirmations directly — a wizard guides you through the import.

Yes. On the free plan you manage one portfolio; with Planafolio Pro, up to 10 — for example split by broker, strategy, or family member.

Planafolio runs in the browser on phone, tablet and desktop — no installation needed. Native iOS and Android apps: in development but not yet released.

Yes. The dividends view aggregates your payouts across all portfolios: total dividends received, your income over the last 12 months, your average monthly income, and your personal dividend yield — plus a calendar, a yearly overview, and a breakdown by security.

With Planafolio Pro you see estimated upcoming payouts for your holdings, derived from their past payment history. It's an estimate based on past payments — not a guarantee that a company keeps paying, or pays the same amount.

The core is free forever — 22 features, including one portfolio with unlimited positions, import via CSV and PDF, Auto-Sync for supported providers, the full value history, XIRR, the allocation with ETF look-through and the financial plan with plan coverage. Planafolio Pro costs €7.99/month or €79/year (equivalent to €6.58/month) and adds 35 features, including up to 10 portfolios, TTWROR (time-weighted return), Portfolio health score with action items, Savings scenarios compared and Monte Carlo simulation. See pricing.

Not on the monthly plan: it can be cancelled effective the end of any month. The yearly plan runs until the end of the paid year. No further minimum commitment applies.

Via "Cancel subscription" in your settings or directly on the cancellation page (linked in the footer). It takes effect like this: monthly plan cancellable each month, yearly plan at the end of its term. After cancelling, Pro stays active until the end of the already-paid period (during the trial, until the trial ends), then your account automatically returns to the free plan.

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

Broker credentials are stored encrypted with AES-256-GCM, passwords only as a hash, and every connection runs over TLS. The application and database run on a server in Frankfurt; backups are encrypted, and an encrypted second copy is stored with Cloudflare R2. See our security page and our privacy policy.

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

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

CSV import automatically recognizes the exports of 22 providers, such as Trade Republic, Scalable Capital, Trading212, Interactive Brokers, DEGIRO, Bitpanda; for any other CSV file you map the columns yourself in the wizard. Planafolio reads PDF trade confirmations (buy, sell, dividend) from 47 banks and brokers, including Trade Republic, comdirect, DKB, ING, Consorsbank, flatex, Deutsche Bank, Commerzbank. 10 providers can also be synced automatically. You can enter holdings manually at any time too — including for brokers without a suitable export.

Yes, and it is free: Trading212, Interactive Brokers, CapTrader, Kraken, Binance, Bitvavo, Bitpanda, Coinbase, OKX and Bitstamp can be connected via API key under "Import" and are synced automatically every hour — you can also trigger a sync manually at any time. For every other provider, the equally free CSV or PDF import remains available. 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.

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.

Yes. With Planafolio Pro you can export movements, dividends and cost-basis data as CSV at any time. A complete copy of all data stored about you (Art. 15 and 20 GDPR) is available free of charge on request via the contact form.

CSV export of your movements is part of Planafolio Pro — handy for your own tax filing or bookkeeping. CSV import from broker statements is unaffected and stays fully available on the free plan.

18 public financial calculators — from savings plan, compound interest and withdrawal to pension gap, Altersvorsorgedepot, Vorabpauschale and capital gains tax to XIRR and TTWROR — plus the model portfolio comparison. You'll find them all on the calculator overview. See all calculators.

No. All 18 calculators are completely free and work without signing up. You only need an account once you want to track your real portfolio or use the full retirement planning suite.

A freely accessible German-language financial glossary: metrics like XIRR and TTWROR, strategies, ETF and tax terms — explained plainly and, where it fits, linked directly to the matching calculator. Open the glossary.

Yes, completely free and without a Planafolio account. Every calculator has a copy-paste snippet consisting of an iframe, a resize script, and an attribution link — the height adjusts automatically. Go to the embed page.

The code snippet includes a visible text link below the calculator — it's part of the widget and the trade-off for embedding being free. Colors and language are currently fixed (German); you control the width via the surrounding element.

No. The model portfolios are static model calculations with fixed, transparently disclosed return assumptions per asset class — not real, live-tracked portfolios, not historical backtest data, not investment advice, and no guarantee of future returns.

Every comparison page carries a visible as-of date. Third-party prices and features can change at any time — the information comes without guarantee and is updated periodically, not in real time.

The Retirement Check simulates your capital development into old age, including purchasing-power adjustment — based on your real portfolio, your savings rate, and realistic return assumptions.

Retirement age is when you stop working — pension start age is when statutory pension, occupational pension, or insurance annuities actually start paying out. For early retirees these often differ by several years; the Overview shows exactly that gap and what your capital needs to cover in the meantime.

Yes. Capital withdrawals in retirement account for capital gains tax on realized gains. With Planafolio Pro, a German tax engine additionally projects your gross salary through to retirement — including progressive income tax, tax class, church tax by state, solidarity surcharge, and social insurance contributions (statutory health, pension, long-term care, and unemployment insurance).

Free: the needs analysis based on a desired net income including the state pension, plan coverage with a wealth timeline to life expectancy, the levers for savings rate, retirement start and desired net income, the breakdown of your income sources, and up to 2 additional assets. Pro adds the gross-salary tax calculator, unlimited assets, scenario comparison, the withdrawal planner and the Monte Carlo simulation.

No. The projection is an orientation aid based on assumptions and simplified tax models, and doesn't replace individual financial or tax advice.

No. Planafolio is a tracking and planning tool, not a financial product provider — you open an Altersvorsorgedepot from 2027 with banks, brokers, or insurers. The free Planafolio calculator and the reform info page help you assess and plan.

The public calculator uses fixed assumptions for life expectancy, taxes, and inflation, and needs no account. Retirement planning inside Planafolio works with your real portfolio and, for free, includes up to 2 additional assets such as real estate or insurance policies. Pro adds unlimited assets, the gross-salary tax calculator, scenario comparison and a Monte Carlo simulation.

The Frühstart-Rente is a planned German state program (a bill, intended to start on 1 January 2027): €10 per month per child from age 6 to 18, which is then to be transferable into a certified retirement contract such as the Altersvorsorgedepot. The free Frühstart-Rente calculator shows what that — optionally topped up by parents — can grow into by retirement.