extraETF
German-language tracker with time- and money-weighted returns and bank sync on the free plan. Paid from €89.99 a year.
Few German trackers document how they calculate returns, and extraETF Finanzmanager does: its help centre describes both a time-weighted (TWROR) and a money-weighted (IRR) figure, and you can set the result against the MSCI World. It sits inside the extraETF fund portal and covers stocks, ETFs, funds, bonds, precious metals and crypto. The pricing runs the opposite way to most apps. The free plan already syncs with banks and brokers and reads PDF statements for 1 portfolio, while CSV import, rebalancing and the dividend forecast need Investor at €89.99 a year or Expert at €139.99. The savings-goal calculator is a separate tool and doesn't read your portfolio.
Features at a glance
| Feature | extraETF |
|---|---|
| Pricing | Freemium |
| Tracking & data | |
| Manual entry | Yes |
| CSV / broker import. Import holdings and transactions from broker or exchange CSV files. | Yes |
| Automatic bank/broker sync. Connects to your bank or broker to pull holdings in automatically. | Yes |
| Multi-asset | Yes |
| Multi-currency | Yes |
| Dividend tracking | Yes |
| Dividend/income forecast. Projects future dividend income and shows an income calendar. | Yes |
| Tax reports | Not supported |
| Analysis & insights | |
| AI portfolio analysis | Not supported |
| AI asset & market analysis. AI commentary on individual holdings and market context, not just the whole portfolio. | Not supported |
| Portfolio health score. A single score rating diversification, concentration and other portfolio-health signals. | Partial |
| Rebalancing & drift. Shows how far your allocation has drifted from target and how to correct it. | Yes |
| Goal & time-to-goal | Not supported |
| Custom groupings / tags. Group holdings by your own dimensions (e.g. strategy, theme), not just asset class. | Not supported |
| Return method (TWR/MWR). True time-weighted (TWR) and money-weighted (MWR/XIRR) return — not just a simple % change. | Yes |
| Benchmark & alpha. Compare returns against a benchmark, including alpha. | Yes |
| Backtesting & scenarios. Test a portfolio against historical data or run scenario simulations. | Not supported |
| Access & pricing | |
| Free tier | Yes |
| No account linking required. Works without connecting a bank login or aggregator. | Yes |
| Open source | Not supported |
| Self-hostable | Not supported |
| Public API | Not supported |
| Platform & reach | |
| Mobile app | Yes |
| Multi-language | Not supported |
| Community & extras | |
| Public / social portfolios. Share your portfolio publicly and follow other investors. | Yes |
| AI portfolio roast. A shareable AI roast: a frank critique of a portfolio. | Not supported |
Best for
ETF investors with German banks and brokers who read German and want returns measured properly, with rebalancing once they pay. If German isn't your language, skip it: the app has no other interface.
Strengths
- Time-weighted (TWROR) and money-weighted (IRR) returns, compared with the MSCI World
- Bank and broker sync plus PDF import on the free plan
- Rebalancing against targets and a dividend calendar with expected income, on paid plans
Trade-offs
- German interface only
- CSV import is paid, as are rebalancing and the dividend forecast
- No tax report, no AI, and the savings-goal calculator ignores your actual portfolio
extraETF vs PortfolioGlance
extraETF forecasts dividend income and syncs with German banks for free. You won't find either with us. On returns we're even: both apps report time- and money-weighted figures and compare them with an index. The differences lie elsewhere. We work in English, Polish and Turkish, your goal is calculated from what you actually hold, and an AI assistant answers questions about your portfolio. If you read German and bank in Germany, extraETF is a strong choice.
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Alternatives and rankings
This is our editorial review, not financial advice. Features and prices may have changed since we checked, so see the official site for the latest.