Portfolio tracker pricing: one plan to start. Pro for everything.
Free shows where you stand and whether your wealth will last. Pro shows how safe your plan is – and what to change.
- Free plan & trial: no credit card
- Clear terms: monthly plan cancellable each month, yearly plan at the end of its term
- CSV and PDF import, Auto-Sync for supported providers – also in Free
Free
Understand your wealth and build your financial plan.
- CSV import (any broker)
- XIRR return
- Plan coverage: will your wealth last in retirement – with status and gap in today's money
- Live levers: savings rate, retirement age, desired income
- X-ray allocation by currency, country & sector
Pro
The key differences: more portfolios, more precise return and risk, how safe your plan is — and your data as an export.
- 10 portfolios
- CSV export of your transactions
- TTWROR (time-weighted return)
- Benchmark comparison (MSCI World, S&P 500, DAX)
- Risk metrics (volatility, Sharpe, Sortino, VaR, beta)
- Portfolio health score with action items
- Monte Carlo simulation
Free
Understand your wealth.
Understand – see where you stand.
€0 /month
One portfolio · 5 watchlist positions- One portfolio
- Unlimited securities positions
- Manual transactions
- CSV import (any broker)
- PDF import (trade confirmations)
- Auto-Sync for supported providers
- Full value history (entire period)
- XIRR return
- Dividend calendar (received payments)
- Capital gains & tax overview
- Price updates & price history
- Retirement needs analysis
- Plan coverage: will your wealth last in retirement – with status and gap in today's money
- Wealth timeline to life expectancy (base case)
- Live levers: savings rate, retirement age, desired income
- Watchlist (5 positions)
- Asset consolidation (2 external assets)
- X-ray allocation by currency, country & sector
- Income concentration risk (dividend concentration)
- Concentration-risk gauge & home-bias analysis
- Breakdown of your retirement income sources
- State-pension integration & purchasing-power check
Pro
Plan, safeguard, optimise.
Plan · Secure · Optimise – know how safe your plan is and what to change.
€79 /year
equals €6.58/month · you save €16.88 (17%) compared with paying monthly
Secure payment via Stripe
14-day free trial, no credit card · monthly plan cancellable each month, yearly plan at the end of its term
Everything in Free, plus:
More portfolios & data
- 10 portfolios
- Watchlist (15 positions)
- CSV export of your transactions
Analysis & comparison
- TTWROR (time-weighted return)
- Benchmark comparison (MSCI World, S&P 500, DAX)
- Risk metrics (volatility, Sharpe, Sortino, VaR, beta)
- Portfolio health score with action items
- +12 more features
Tax & optimization
- Tax-optimized rebalancing recommendations
- Vorabpauschale (advance lump-sum) preview
- Tax-loss harvesting assistant
- Exemption-order (Freistellungsauftrag) allocation
- +3 more features
Retirement Pro
- Savings scenarios compared
- Monte Carlo simulation
- Decumulation planner (retirement phase)
- Withdrawal order (rule-based)
- +5 more features
Side by side
The key differences
All 57 features in detail
Unclear terms? Every metric is explained in the glossary.
Orientation
Which plan fits me?
I want to see what I own and how it develops.
One portfolio · Auto-Sync for supported providers · XIRR return · X-ray allocation by currency, country & sector
Free is enough
I want to know whether my wealth is enough for retirement.
Plan coverage: will your wealth last in retirement – with status and gap in today's money · Live levers: savings rate, retirement age, desired income · State-pension integration & purchasing-power check
Free is enough
I have several portfolios and want to compare returns properly.
10 portfolios · TTWROR (time-weighted return) · Benchmark comparison (MSCI World, S&P 500, DAX)
Pro is worth it
I want to know how robust my plan is and plan withdrawals and taxes.
Monte Carlo simulation · Decumulation planner (retirement phase) · Tax dashboard with realised gains per year
Pro is worth it
Why Pro?
For anyone who wants to know exactly where they stand
Free is enough for a first overview. Three examples of what Pro adds — once you have multiple portfolios or want to know how well you're really doing.
Several portfolios, one calculation
Analyse up to 10 portfolios together, with the time-weighted return (TTWROR). Import via CSV and PDF as well as auto-sync for supported providers are already included in the free plan.
An honest performance check
Benchmark comparison against MSCI World, S&P 500, and DAX shows whether your effort is actually paying off.
How safe is your plan?
A Monte Carlo simulation with 500 market paths, the health score and a withdrawal plan show how robust your financial plan is — not just whether it adds up on paper.
Still unsure?
Via "Cancel subscription" in your settings or directly on the cancellation page (linked in the footer). If you're logged in, the cancellation is processed right away and you get the end date by email. It takes effect like this: monthly plan cancellable each month, yearly plan at the end of its term. Pro stays active until the end of the paid period (during the trial, until the trial ends), then the free plan kicks in automatically.
You try Pro free for 14 days — no credit card needed. If you add a payment method before the end, Pro continues as a subscription. Without one, you automatically move back to the free plan; your data stays. You can cancel via "Cancel subscription", no reason needed (monthly plan cancellable each month, yearly plan at the end of its term).
Yes. The yearly plan costs €79 (equivalent to €6.58/month) instead of twelve times €7.99 — you save at least 2 monthly payments. The final price is shown on the Stripe checkout page before you pay.
Anytime. Your existing portfolios and data stay exactly as they are — you just unlock additional features.
No. Your portfolios and transactions stay fully intact — you just see the free feature set again.
Payment processing runs entirely through Stripe — Planafolio never stores credit card or bank account details itself.
Because a finance tool that earns from ads or commissions ultimately wants to sell you products. Planafolio is funded solely by Pro subscriptions – no ads in the app, no commissions from banks or fund providers and no selling of your data.
Why I charge money
I build Planafolio on my own. Pro subscriptions pay for running and developing it – no ads, no commissions, no selling of your data. That keeps it your tool, not a sales channel.