Portfeo
Polish portfolio & net-worth app (by Independent Trader) for stocks, ETFs, bonds and crypto.
Portfeo is a Polish portfolio and net-worth app launched in late 2025 by the Independent Trader team. It tracks stocks, ETFs, crypto, commodities and Polish retail bonds (EDO, COI, ROR), imports history from brokers like XTB, Saxo, DIF Broker and Exante (and from MyFund), and shows returns using a “baseline” that separates your deposits from actual market gains. It handles withholding tax on dividends and interest, benchmarks against indices, and is a paid product with a 30-day trial.
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 want a modern, well-designed tracker with strong bond and dividend handling and file import from popular Polish and European brokers, and do not need AI or automatic bank sync.
Strengths
- Built for Polish investors — global stocks/ETFs plus retail bonds (EDO/COI/ROR)
- File import from XTB, Saxo, DIF Broker, Exante and MyFund
- “Baseline” separates deposits from market gains; benchmark comparison
- Automatic dividend handling with withholding tax
- Backed by the Independent Trader team
Trade-offs
- Paid-only — 30-day trial, no permanent free tier
- No AI analysis, health score or rebalancing
- Withholding tax only — not a full Polish (Belka/PIT-38) tax report
- Polish-only interface; native mobile app not confirmed
Portfeo vs PortfolioGlance
Portfeo is a strong pick for a Polish-market portfolio with retail bonds and clean deposit-versus-gains accounting. PortfolioGlance overlaps on multi-asset tracking, CSV import and benchmark, but keeps a free core and adds AI analysis, a health score and goal projection — while Portfeo is better tuned to Polish instruments and taxes.
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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.