inwestuje
Free Polish tracker that knows all eight retail treasury-bond series and names its return method. Manual entry only.
Holders of Polish retail treasury bonds who don't mind typing should take a look at inwestuje. It supports all eight series (COI, DOR, EDO, OTS, ROD, ROR, ROS, TOS), more than any other Polish tracker we've checked, and says in the app itself that returns are time-weighted (TWR). You can compare returns from 3 months to year-to-date with the MSCI World, the S&P 500, gold or Bitcoin. It's free with no limits and no paid plan, kept going by a voluntary donation link and built by a one-person firm in Wrocław. Every transaction is entered by hand: there is no import and no export. Read its AI risk rating with care. It scores risk, not quality, so a portfolio of pure cash gets the best mark.
Features at a glance
| Feature | inwestuje |
|---|---|
| Pricing | Free |
| Tracking & data | |
| Manual entry | Yes |
| CSV / broker import. Import holdings and transactions from broker or exchange CSV files. | Not supported |
| Automatic bank/broker sync. Connects to your bank or broker to pull holdings in automatically. | Not supported |
| Multi-asset | Yes |
| Multi-currency | Yes |
| Dividend tracking | Yes |
| Dividend/income forecast. Projects future dividend income and shows an income calendar. | Not supported |
| Tax reports | Not supported |
| Analysis & insights | |
| AI portfolio analysis | Partial |
| 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. | Not supported |
| 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 | Partial |
| 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
Polish long-term investors with a few positions, treasury bonds among them, who will type trades in by hand and won't pay anything. Skip it if you hold Polish mutual funds (TFI) or an IKE/IKZE account: neither is modelled.
Strengths
- All eight retail treasury-bond series as a separate asset type
- Time-weighted return compared with the MSCI World, S&P 500, gold and Bitcoin
- Free with no cap, plus a public link that shows value and structure without transactions
Trade-offs
- No import and no export: every trade is typed, and your data stays in the app
- No help with podatek Belki or PIT-38, and no TFI funds or IKE/IKZE accounts
- Polish only, five currencies, and phone apps that wrap the web version
inwestuje vs PortfolioGlance
For Polish bonds inwestuje is ahead of us: it knows all eight series, while with us you add a bond like EDO as an asset whose value you update yourself. It's also completely free. We add what it skips: CSV import from brokers, a money-weighted return next to the time-weighted one, rebalancing against your targets and a goal with a date, in Polish, English or Turkish. If your portfolio is a few bonds and ETFs and you don't mind typing, inwestuje is enough.
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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.