Portfeo
Polish tracker from the Independent Trader team, with Polish retail bonds and XTB import. Paid only, from 14 PLN a month.
Built by the Independent Trader team and launched in late 2025, Portfeo targets Polish investors, with retail treasury bonds (EDO, COI and ROR) next to stocks, ETFs, crypto and commodities. It imports files from XTB, has presets for Saxo, DIF Broker and Exante, and can take your history from MyFund, which makes switching from there easier. Dividends are booked automatically with withholding tax, and a “baseline” separates what you paid in from what the market added. Its material doesn't name the return method behind that, TWR or IRR. There's no free plan: after a 30-day trial, Basic costs 14 PLN a month, and Premium allows up to 10 portfolios.
Features at a glance
| Feature | Portfeo |
|---|---|
| Pricing | Paid |
| 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. | 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 | Partial |
| 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. | Not supported |
| 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. | Yes |
| 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 | Not supported |
| 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. | Partial |
| AI portfolio roast. A shareable AI roast: a frank critique of a portfolio. | Not supported |
Best for
Polish investors who hold treasury retail bonds and invest through XTB or foreign brokers, and are fine paying after the trial. If you need an English interface, it's Polish only.
Strengths
- Polish retail bonds EDO, COI and ROR next to stocks, ETFs and crypto
- File import from XTB, Saxo, DIF Broker and Exante, and from MyFund
- Dividends booked automatically with withholding tax
Trade-offs
- No free plan, only a 30-day trial
- Withholding tax only, no PIT-38 report
- Polish only, and no native phone app confirmed
Portfeo vs PortfolioGlance
Polish instruments come first in Portfeo: treasury retail bonds and files from XTB or MyFund work out of the box. Both apps separate your deposits from market gains and compare with indices. We add rebalancing against your targets, goal projection and an AI assistant, and you can start without paying. If treasury bonds are a big part of your portfolio, give Portfeo's trial a go.
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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.