inwestuje
Free Polish portfolio tracker with TWR, index benchmarking and all eight retail treasury-bond series.
inwestuje is a free, Polish-only, manual-entry portfolio tracker built by a one-person Wrocław software firm. It runs as a web app with mobile wrappers on iOS and Android: you create wallets, register buy, sell, cash and dividend operations by hand against a quoted-instrument search, and it charts asset value, time-weighted return and drawdown, comparing 3-month to year-to-date returns against MSCI World, the S&P 500, gold spot and Bitcoin. It stands out among Polish trackers for covering all eight retail treasury-bond series and for naming its return method (TWR) in the product itself — but it has no file import and no tax reporting of any kind, and it is monetised only by a voluntary donation link.
Features at a glance
| Feature | inwestuje |
|---|---|
| Pricing | Free |
| Tracking & data | |
| Manual entry | Yes |
| CSV / broker import | Not supported |
| Automatic bank/broker sync | Not supported |
| Multi-asset | Yes |
| Multi-currency | Yes |
| Dividend tracking | Yes |
| Dividend/income forecast | Not supported |
| Tax reports | Not supported |
| Analysis & insights | |
| AI portfolio analysis | Partial |
| AI asset & market analysis | Not supported |
| Portfolio health score | Partial |
| Rebalancing & drift | Not supported |
| Goal & time-to-goal | Not supported |
| Custom groupings / tags | Not supported |
| Return method (TWR/MWR) | Yes |
| Benchmark & alpha | Yes |
| Backtesting & scenarios | Not supported |
| Access & pricing | |
| Free tier | Yes |
| No account linking required | Yes |
| Open source | Not supported |
| Self-hostable | Not supported |
| Public API | Not supported |
| Platform & reach | |
| Mobile app | Partial |
| Multi-language | Not supported |
| Community & extras | |
| Public / social portfolios | Yes |
| AI portfolio review | Not supported |
Best for
Polish long-term investors with a handful of positions across zloty and foreign-currency accounts — GPW stocks, foreign ETFs, retail treasury bonds, some crypto or metals — who will type transactions in by hand, want a real return figure, and refuse to pay anything.
Strengths
- The most complete Polish retail treasury-bond coverage we have verified — all eight series (COI, DOR, EDO, OTS, ROD, ROR, ROS, TOS)
- Time-weighted return named in the product itself, for free, currency-risk adjusted
- Portfolio-vs-index benchmarking at four horizons (MSCI World, S&P 500, gold spot, Bitcoin)
- A real drawdown chart alongside value and return-rate charts
- Free with no cap, no trial and no dark pattern — a public read-only share link hides transactions while showing value and structure
Trade-offs
- No import of any kind — every transaction is typed, and there is no export either
- No tax help whatsoever — nothing for podatek Belki or PIT-38
- Polish interface only, and only five currencies (PLN/EUR/USD/GBP/CHF)
- No Polish mutual funds (TFI) as an asset class and no IKE/IKZE account modelling — the biggest gaps versus MyFund
- Small, single-market, one-developer product with no import and mobile apps that are webview wrappers
inwestuje vs PortfolioGlance
inwestuje is the free, minimal one among the Polish trackers, and it does two things genuinely well: it catalogues all eight retail treasury-bond series as a first-class asset type (more than Portfeo's three), and it names TWR in the product. It also offers index benchmarking and a clean public share link. But it has no file import at all, no tax output, a Polish-only interface and only a five-band risk label for analysis. PortfolioGlance adds CSV/broker import, money-weighted return alongside TWR, a genuine health score, rebalancing, goal projection, custom tag dimensions, multi-language support and narrative AI analysis, while also handling Polish retail bonds. Pick inwestuje if you want a free, no-frills Polish tracker and only need the basics; pick PortfolioGlance for import, deeper analysis and a decision layer, in Polish or English.
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This overview is editorial and for information only — not financial advice or an endorsement. Features and pricing may have changed since publication; check the official site for the latest details.