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. 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 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. For a free, no-frills Polish tracker that covers the basics, inwestuje is enough; import, deeper analysis and a decision layer, in Polish or English, are what PortfolioGlance adds.
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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.