# Stock Portfolio Trackers

What you hold, what it is worth and what the return actually was — where broker imports and tax jurisdiction decide the choice long before features do.

*https://stockmarketstack.com/categories/portfolio-trackers*

Two facts eliminate more of this listing than any preference you have, and both come before price:
whether the tracker can import from your broker, and whether it computes a capital gain your
revenue authority recognises. Automatic broker connections are broadest in the US and Canada,
thinner in the UK and Australia, and in continental Europe usually limited to a handful of large
neo-brokers. Check your own broker by name first. No plan tier fixes a missing connection.

- **Tax reporting in a named country** — [Sharesight](https://stockmarketstack.com/tools/sharesight).
- **Free, open source, your own server** — [Ghostfolio](https://stockmarketstack.com/tools/ghostfolio) or
  [Wealthfolio](https://stockmarketstack.com/tools/wealthfolio) if you want it local-only.
- **Dividend income and a forward calendar** — [Snowball Analytics](https://stockmarketstack.com/tools/snowball-analytics),
  [DivvyDiary](https://stockmarketstack.com/tools/divvy-diary) or [Stock Events](https://stockmarketstack.com/tools/stock-events).
- **Everything you own, property and cash included** — [Kubera](https://stockmarketstack.com/tools/kubera).
- **A free mobile tracker for a handful of positions** — [Delta](https://stockmarketstack.com/tools/delta) or
  [getquin](https://stockmarketstack.com/tools/getquin).

## What actually decides the choice

Feature lists in this category are nearly identical, and nearly irrelevant. What separates these
products is geography, arithmetic and where your credentials sit.

**Broker import coverage.** The single most expensive thing about a tracker is typing into it.
Automatic connections are widest in the US and Canada, where a handful of aggregation APIs cover
the large brokers; they are patchier in the UK and Australia, and in continental Europe they
generally reach a short list of neo-brokers and stop. Everything outside that list is a CSV
upload — where the format changes when the broker redesigns its statement — or hand entry. Check
your own broker by name on the vendor's supported list before you check anything else. No plan
tier fixes a missing connection.

**The tax jurisdiction it was built for.** A capital gains calculation is not a localisation
setting; it is a different algorithm per country. The UK pools identical shares into a Section
104 holding and overrides it with same-day and 30-day matching rules. Australia discounts a gain
by 50% once the parcel is a year old, and carries franking credits alongside. Canada wants
adjusted cost base and disallows a superficial loss inside 30 days. Germany taxes an accumulating
fund before you sell it, through the Vorabpauschale — for 2026 a basis rate of 3.2% applied to 70%
of it, against a €1,000 tax-free allowance. A tracker computing one of these correctly is not one release
away from the others, which is why the products that do tax seriously name five or six countries
and offer everyone else a generic gains summary.

**Which return number it reports.** See below. This is the field most likely to make you believe
something untrue about your own portfolio.

**How the free tier is capped.** In this category the cap is holdings, not days or features —
often around ten positions, sometimes one portfolio. That is a real product for an index investor
and useless to anyone with a long tail of individual names. Paid tiers cluster between $7 and $25 a
month; the net-worth-first products sit well above that, annual-only, near $250 a year, because
they price against the size of the balance sheet rather than the number of tickers.

**Whether it holds your credentials.** A cloud tracker with broker linking holds a connection to
your accounts through a third-party aggregator. Open-source trackers — self-hosted on your own
server, or local-first on your own machine — do not, and pay for it with manual imports and no
automatic corporate actions. This is a genuine trade, not a purity argument.

**What it does with corporate actions and currency.** Splits, spin-offs, mergers, return-of-capital
distributions and ETF reinvestments are where a cost basis quietly goes wrong, and where a cheap
tracker is cheap. If you hold assets in more than one currency, ask separately whether the tracker
reports currency gain as its own line — a portfolio up in dollars can be flat in euros, and one
number hides that.

## TWR, MWR, XIRR: three labels, sometimes three answers

Vendors are inconsistent here in a way that matters, because these are different quantities and
they are all called "return".

**Time-weighted return (TWR)** removes the effect of your deposits and withdrawals. It measures
the holdings, not your behaviour, and it is what fund managers are judged on. German-influenced
products often call it **TTWROR** — "true time-weighted rate of return" — which is the same idea
computed off a valuation at each cash flow.

**Money-weighted return (MWR)** weights the return by how much money was actually invested and
when. It measures you, including whether you happened to buy in March 2020.

**XIRR** is not a third concept. It is the money-weighted return computed from dated cash flows;
IRR assumes even periods, XIRR uses the actual dates. A tracker showing "IRR", "XIRR",
"money-weighted" or "dollar-weighted" is showing the same family of number.

**"Simple return"** and **"annualised return"** are neither, and are defined per vendor. Some
annualise by weighting each dollar of capital by how long it has been invested; others divide by
elapsed years. Read the help page before you compare two products' headline percentages — the
disagreement is usually definitional, not a bug.

The practical rule: if you are asking "is this strategy any good", you want time-weighted. If you
are asking "what did I actually earn", you want money-weighted. A tracker that offers only one is
not wrong; it has picked a question, and you should know which.

## Four jobs hiding behind one interface

**Tracking** is the base job: consolidate several brokers into one position, price it daily, and
show allocation and performance. Judge these on import coverage and on corporate-action handling.

**Dividends** is a different product wearing the same UI. The buyer wants a forward calendar,
per-position yield on cost, projected annual income, payout growth and withholding tax — none of
which a good general tracker necessarily has. This job also brings a research burden the others do
not: the dividend database has to be right, including special dividends, cuts and non-US payment
schedules.

**Tax** is the job with the highest cost to the vendor and the highest switching cost to you.
It requires jurisdiction-specific gains logic, a full transaction history you may have to backfill
by hand, and an output format an accountant or a filing portal accepts. Trackers that do this well
charge for it and restrict it to named countries.

**Net worth** is not a portfolio job at all. It counts property, private holdings, pensions,
vehicles, cash and debt, and its output is one number over time, not a per-position return. The
products built for it are priced for people with an estate to watch rather than a watchlist, and
they are usually weak precisely where the first three jobs are strong.

Nothing useful comes from ranking a dividend calendar against a net-worth dashboard. Decide which
of the four you are buying, then compare only inside it — and check your broker and your country
first, because those two facts eliminate more of the listing below than any preference you have.

## Where this category connects

The automatic broker connections these products depend on are not usually their own: almost every
tracker here buys them from one of the vendors in
[brokerage account aggregation APIs](https://stockmarketstack.com/categories/brokerage-aggregation), which is why two trackers
support such different broker lists and why the fix for a missing one is rarely a support ticket.
If what you want is an analysis of how you traded rather than what you hold, that is a different
product — see [trading journals](https://stockmarketstack.com/categories/trade-journals).

## Cards

- [Delta](https://stockmarketstack.com/tools/delta.md) — One valuation view over a mixed stock-and-crypto book, owned by a broker.
- [DivvyDiary](https://stockmarketstack.com/tools/divvy-diary.md) — A personal dividend calendar and forward income figure, built around German brokers.
- [getquin](https://stockmarketstack.com/tools/getquin.md) — EU-first portfolio tracker with open-banking broker imports and a social feed.
- [Ghostfolio](https://stockmarketstack.com/tools/ghostfolio.md) — Self-hosted open source portfolio tracking, or a hosted account for USD 48 a year.
- [justETF](https://stockmarketstack.com/tools/justetf.md) — A screener and portfolio planner for European UCITS ETFs — no US listings, no API.
- [Kubera](https://stockmarketstack.com/tools/kubera.md) — One balance sheet for brokerage accounts, crypto wallets, property and private holdings.
- [Portseido](https://stockmarketstack.com/tools/portseido.md) — Multi-currency tracking for portfolios spread across several brokers and countries.
- [Sharesight](https://stockmarketstack.com/tools/sharesight.md) — Money-weighted portfolio tracking with real ATO, IRD and CRA tax reports.
- [Snowball Analytics](https://stockmarketstack.com/tools/snowball-analytics.md) — A dividend calendar and forward-income projection wrapped around a portfolio tracker.
- [Stock Events](https://stockmarketstack.com/tools/stock-events.md) — A dividend and earnings calendar wrapped around your holdings, phone first.
- [Stock Rover](https://stockmarketstack.com/tools/stock-rover.md) — Fundamental screening and portfolio analytics on 14,000+ North American stocks.
- [Stock Unlock](https://stockmarketstack.com/tools/stock-unlock.md) — Global fundamentals, 1-5 stock scores and a DCF whose assumptions you set yourself.
- [TradeLog](https://stockmarketstack.com/tools/tradelog.md) — Wash sales and Form 8949 rebuilt from raw broker trade history, not from the 1099-B.
- [Trademetria](https://stockmarketstack.com/tools/trademetria.md) — Multi-asset trade journal and tracker with a free plan and a 194-name import list.
- [Wealthfolio](https://stockmarketstack.com/tools/wealthfolio.md) — Local-first portfolio and net-worth tracker for desktop, iOS and your own Docker host.

## FAQ

### Why do two portfolio trackers show different returns for the same portfolio?

Usually because one reports a time-weighted return and the other a money-weighted one. Time-weighted strips out your deposits and withdrawals to measure the holdings; money-weighted — the same thing XIRR computes — measures what your money earned given when you added it. Both are correct answers to different questions, and on a portfolio you have been adding to they can differ by several percentage points.

### Which portfolio trackers work outside the United States?

Two things decide it, and both come before price — whether the tracker can import from your broker, and whether it produces a tax report your revenue authority recognises. Automatic broker connections are broadest in the US and Canada, thinner in the UK and Australia, and in continental Europe usually limited to a handful of large neo-brokers — everything else is CSV or manual entry, at every price tier.

### Can a portfolio tracker produce a tax report I can actually file?

Only for the jurisdictions it was explicitly built for. Capital gains are a different algorithm in each country — UK Section 104 pooling with same-day and 30-day matching, the Australian 50% discount, Canadian adjusted cost base and superficial losses, US wash sales — so a tracker that computes one is not one country away from computing another. Outside its supported list you get a generic gains summary, which is a starting point for an accountant, not a filing.

### Is there a genuinely free portfolio tracker?

Yes, in two forms. Free tiers of commercial trackers are usually capped by number of holdings — around ten is the common limit — which is enough for an index portfolio and not for a stock picker. Open-source trackers are uncapped and free forever if you are willing to run or install them yourself, and they tend to be strong on tracking and weak on tax.

### What does a portfolio tracker do that my broker's app does not?

It shows the whole position across several brokers, pensions and currencies in one place, keeps the history after you leave a broker, and computes a return your broker generally does not — brokers rarely report a money-weighted return or separate currency gains from capital gains.