European Investment Portfolio Tracker Tools

An investment portfolio tracker collects holdings from several brokers and accounts and shows performance, allocation and dividends in one place. The European tools below are run by companies in Germany, France, Poland, Estonia, Austria and the UK, so the contract and the account data sit with a European provider instead of a US wealth manager.

How we rank these tools — 4-step process
  1. 1
    European ownership, verified

    The company is headquartered and incorporated in the EU, EEA, the UK, Switzerland or Israel, and processes customer data in Europe or Israel. A US parent company disqualifies a tool from this page regardless of where its servers are.

  2. 2
    Category fit and hands-on review

    What the tool actually does, who it suits, and where it falls short — checked against the vendor’s own documentation, changelog and pricing page rather than its marketing copy.

  3. 3
    Compliance and pricing check

    GDPR posture, hosting location and the prices quoted on this page are verified against the vendor’s public pricing before publication, and re-checked when we revisit the category.

  4. 4
    Position on this page

    Placement on this page can be paid, and that can affect the order tools appear in. It never buys a listing: a tool that fails the checks above is not here at any price, and payment does not change the shortcomings we write about. A vendor can ask us to correct a factual error — not to remove a criticism.

Vendors can pay for visibility on this page. It never changes what an entry says about a product, including the criticism, and we earn nothing when you click through to a vendor. Vendors can pay for more visibility, higher up on the review pages; it never affects whether a tool is listed. Editorial policy

12 European Investment Portfolio Tracker Tools

Parqet

Hamburg portfolio tracker with broker autosync and X-Ray

Germany
Free Basic plan Parqet X-Ray look-through Autosync with brokers

getquin

Berlin net worth tracker with free bank and broker connections

Germany
Unlimited connections free AI portfolio analysis Retirement plan in Wealth

Finanzfluss Copilot

Free Berlin tracker for accounts, depots and budget

Germany
Free plan, 350+ providers Dividend calendar Data on German servers

Portfolio Performance

Open source desktop program for true portfolio performance

Germany
Open source, free program TTWROR and IRR XML and CSV data

Finary

Paris wealth tracker with brokerage, crypto and life insurance

France
Wealth tracking Passive income and dividends Fee scanner

DivvyDiary

Dividend calendar and tracker with free Scrimper plan

Germany
Personal dividend calendar Free plan, 1 portfolio Dividend backtesting

Stock Events

Lastrup app for watchlists, dividends and earnings events

Germany
Free plan, 15 stocks Dividend and event tracking Connect auto sync add-on

TrackMyStack

Anonymous net worth tracker, no bank logins needed

United Kingdom
No account needed Unlimited portfolios Cash, property, loans, crypto

Freenance

Warsaw finance app with PSD2 import and runway view

Poland
PSD2 and CSV import Financial freedom runway Data stored in the EU

Moning

Free community portfolios and stock research from Tallinn

Estonia
Free account 40,000 stocks researched Public portfolios

wikifolio

Vienna trader community with free virtual portfolios

Austria
Free registration Virtual portfolios Follow trader wikifolios

Stockopedia

UK stock research platform with portfolio monitoring

United Kingdom
StockRanks scoring Stock screener Portfolio monitoring

Key takeaways

  • Parqet from Hamburg is the entry with ETF look-through, showing country, sector and stock weights inside funds, and its Basic plan costs nothing.
  • getquin from Berlin and Finanzfluss Copilot from Berlin both give away bank and broker import on a free plan, while Portfolio Performance from Mannheim needs no vendor account at all.
  • Finanzfluss Copilot, DivvyDiary, Freenance and Moning each name where their data sits (Germany, Hetzner in Germany, the EU, and Scalingo in France), while Parqet, getquin, Finary, Stock Events, wikifolio and Stockopedia do not on the pages we read.
  • Stockopedia costs EUR 550 a year for Europe including the UK, which makes it the most expensive of the twelve and the only one aimed at research rather than record-keeping.
  • Only getquin names a retirement plan among these twelve trackers, and it sits in the Wealth tier at 149,99 EUR a year.

European investment portfolio trackers are apps and programs that gather your depots, accounts and sometimes budgets into one view of holdings, returns, dividends and net worth, run by companies in Germany, France, Poland, Estonia, Austria or the UK. The European part decides who holds a map of everything you own, which court a dispute goes to and which regulator answers a complaint.

European investment portfolio trackers compared

European investment portfolio trackers compared on position, country, entry price and best use
PositionToolEstablishedEntry priceBest for
#1 Parqet Germany Basic EUR 0 a month; Plus 11,99 EUR a month with annual payment (page: 3 months free, first 14 days free); Investor plan price not read Private investors who want a free tracker for one portfolio and paid analysis for several
#2 getquin Germany Free EUR 0 a year; Premium 89,99 EUR a year; Wealth 149,99 EUR a year (prices exclusive of country-specific taxes) Investors who want a free net worth view across banks and brokers and optional AI analysis
#3 Finanzfluss Copilot Germany Free 0 EUR a month; Copilot PLUS 5,83 EUR a month with annual billing of 69,99 EUR (7 days free trial) German-speaking users who want accounts, depots and spending in one free app
#4 Portfolio Performance Germany No price shown on the pages we read Investors who want precise performance figures and keep their data in local files
#5 Finary France Plans Lite, Plus and Pro are named; prices not shown in the text we read French-speaking savers who want tracking plus regulated investment products from one company
#6 DivvyDiary Germany Scrimper EUR 0 a month; Aristocrat EUR 7.50 a month or EUR 89.99 a year (7 days free) Dividend investors who want a calendar of expected payouts
#7 Stock Events Germany Free $0.00; Pro $49.99 yearly (7 day trial); Connect add-on $0.99 per week; prices shown in US dollars Investors who care about upcoming dividends and earnings dates more than account aggregation
#8 TrackMyStack United Kingdom Price not read on the pages we fetched Privacy-minded users who enter assets by hand and want no bank connection
#9 Freenance Poland 14-day free trial, no credit card; paid prices are in Polish złoty including VAT and were not read Users in Poland and nearby who want net worth, spending and a years-of-runway figure
#10 Moning Estonia Free account; paid plans not shown on the pages we read Beginners who want to learn from other investors' public portfolios
#11 wikifolio Austria Registration free of charge for viewing and virtual portfolios; investment product costs not read Investors who want to compare a virtual portfolio with other traders
#12 Stockopedia United Kingdom Europe (incl UK) EUR 550 a year; US and Europe EUR 725 a year; 14-day trial with a payment card Active stock pickers who want ranked research and portfolio monitoring in one paid tool

Every European investment portfolio tracker reviewed

#1 Parqet

Hamburg, Germany Basic EUR 0 a month; Plus 11,99 EUR a month with annual payment (page: 3 months free, first 14 days free); Investor plan price not read Demo on request

Best for: Private investors who want a free tracker for one portfolio and paid analysis for several

  • Operating company. Parqet Fintech GmbH
  • Jurisdiction. EU (Germany)
  • Where the data sits. not stated on the pages we read
  • Source code. Closed source
  • Replaces. Empower (Personal Capital)

Parqet is a portfolio tracker built by Parqet Fintech GmbH at Ballindamm 27 in Hamburg. Its imprint lists Amtsgericht Hamburg HRB 164995 and Sumit Kumar as managing director. The Basic plan is free, Plus is 11,99 EUR a month on annual payment, and the Investor plan price was not read.

Parqet states more than 400,000 users on its home page, which is the vendor's own figure. The product holds securities alongside cash, crypto, precious metals and real estate, with web and mobile apps. Its pages we read did not state where data is hosted, and no budget or retirement tool was seen.

What Parqet does well

  • Free Basic plan with unlimited securities holdings
  • Autosync with brokers on every plan
  • X-Ray shows country, sector and stock weights inside ETFs
  • Dividend forecast and tax dashboard in Plus
  • Imprint with HRB number and managing director

Where Parqet falls short

  • Free plan allows 1 portfolio and 2 integrations
  • Full analysis needs Plus at 11,99 EUR a month
  • Hosting location not stated on the pages we read
  • No budgeting or retirement planner seen on the pages we read

Standout feature. Parqet X-Ray is the only feature in this category that opens an ETF to show country, sector and stock weights inside it.

#2 getquin

Berlin, Germany Free EUR 0 a year; Premium 89,99 EUR a year; Wealth 149,99 EUR a year (prices exclusive of country-specific taxes) Demo on request

Best for: Investors who want a free net worth view across banks and brokers and optional AI analysis

  • Operating company. QUIN Technologies GmbH
  • Jurisdiction. EU (Germany)
  • Where the data sits. not stated on the pages we read
  • Source code. Closed source
  • Replaces. Empower (Personal Capital)

getquin is a wealth platform from QUIN Technologies GmbH at Schützenstraße 15 in Berlin. The imprint names Christian Rokitta and Raphael Steil as representatives and lists Amtsgericht Charlottenburg HRB 217297 B. The free plan has unlimited bank and broker connections.

getquin says it has more than 500,000 users and over EUR 20 billion tracked, according to the vendor. Premium costs 89,99 EUR a year and adds AI analysis, and Wealth costs 149,99 EUR a year and adds the retirement plan. The imprint uses a c/o address, and hosting is not stated.

What getquin does well

  • Unlimited bank and broker connections on the free plan
  • Net worth overview of banks and brokers together
  • Retirement plan and financial goals in Wealth
  • Prices published in euros per year
  • Imprint with register number and representatives

Where getquin falls short

  • AI analysis starts at 89,99 EUR a year
  • Retirement plan needs the 149,99 EUR Wealth tier
  • Hosting location not stated on the pages we read
  • Imprint uses a c/o address

Standout feature. getquin gives unlimited bank and broker connections on its free plan and is the only tracker here that names a retirement plan.

#3 Finanzfluss Copilot

Berlin, Germany Free 0 EUR a month; Copilot PLUS 5,83 EUR a month with annual billing of 69,99 EUR (7 days free trial) Demo on request

Best for: German-speaking users who want accounts, depots and spending in one free app

  • Operating company. Finflow GmbH
  • Jurisdiction. EU (Germany)
  • Where the data sits. Germany (page: data kept encrypted on German servers)
  • Source code. Closed source
  • Replaces. Empower (Personal Capital)

Finanzfluss Copilot is the wealth and budget app of Finflow GmbH, Ritterstraße 12-14, Berlin. The imprint lists Amtsgericht Charlottenburg HRB 205371 B and managing directors Arno Krieger and Thomas Kehl. The page says data is kept encrypted on German servers.

The free plan has unlimited portfolios, a dividend calendar and CSV export, with a household book for spending. Finanzfluss Copilot says more than 100,000 people use it, per its own page. PLUS costs 69,99 EUR a year with a 7-day trial. Pages are in German, and budgets and watchlists are limited to one each on Free.

What Finanzfluss Copilot does well

  • Permanently free plan with unlimited portfolios
  • Stated storage on German servers
  • Automatic import for 350+ providers
  • Dividend calendar and CSV export in the free plan
  • Imprint with register number and managing directors

Where Finanzfluss Copilot falls short

  • Free plan limits budgets and watchlists to one
  • Pages we read are in German
  • No retirement planner seen on the pages we read
  • Advanced analysis needs PLUS

Standout feature. Finanzfluss Copilot pairs a household book with depots and states German servers, all inside a permanently free plan.

#4 Portfolio Performance

Mannheim, Germany No price shown on the pages we read Demo on request

Best for: Investors who want precise performance figures and keep their data in local files

  • Operating company. Andreas Buchen (individual, per imprint)
  • Jurisdiction. EU (Germany)
  • Where the data sits. Local files on your own computer (data held in an open file format)
  • Source code. Closed source
  • Replaces. Empower (Personal Capital)

Portfolio Performance is an open source desktop program whose German imprint names Andreas Buchen of Mannheim as provider. The home page lists desktop version 0.90.0 and describes true-time weighted return and internal rate of return across several depots and accounts.

The program runs on Windows, macOS and Linux and has a mobile app, with data in XML or CSV. Price imports come from many sources, and rebalancing uses asset allocations you define. No licence name, price, support terms or broker sync appear on the pages we read.

What Portfolio Performance does well

  • Open source program
  • True-time weighted return and IRR
  • Data available as XML or CSV
  • Runs on Windows, macOS and Linux
  • Rebalancing with free asset allocations

Where Portfolio Performance falls short

  • No bank or broker sync seen on the pages we read
  • Provider is an individual
  • Licence not stated on the pages we read
  • No budgeting or retirement planner seen

Standout feature. Portfolio Performance is the only open source desktop program here and keeps your data in local files you control.

#5 Finary

Paris, France Plans Lite, Plus and Pro are named; prices not shown in the text we read Demo on request

Best for: French-speaking savers who want tracking plus regulated investment products from one company

  • Operating company. Finary SAS
  • Jurisdiction. EU (France)
  • Where the data sits. not stated on the pages we read
  • Source code. Closed source
  • Replaces. Empower (Personal Capital)

Finary is a wealth tracker from Finary SAS, a société par actions simplifiée registered in Paris under RCS 892 357 724 with share capital of EUR 11,667,500. The legal notice says it is an investment firm authorised by the ACPR and a crypto-asset service provider authorised by the AMF.

The tools include a fee scanner, passive income and dividend tracking, diversification analysis and a subscription scanner. Plans are named Lite, Plus and Pro, but prices were not visible in the text we read. The interface is available in French, English and Spanish, and the offer leans on French products.

What Finary does well

  • Register number and share capital published
  • ACPR and AMF authorisations named in the legal notice
  • Tracks passive income and dividends
  • Fee scanner for hidden costs
  • Interface available in French, English and Spanish

Where Finary falls short

  • Plan prices not shown in the text we read
  • French products dominate the offer
  • Hosting location not stated on the pages we read
  • Legal text is long because of the financial services

Standout feature. Finary is the only tracker here from a company that names ACPR and AMF authorisations in its legal notice.

#6 DivvyDiary

Korntal-Münchingen, Germany Scrimper EUR 0 a month; Aristocrat EUR 7.50 a month or EUR 89.99 a year (7 days free) Demo on request

Best for: Dividend investors who want a calendar of expected payouts

  • Operating company. QuerGradAus GmbH
  • Jurisdiction. EU (Germany)
  • Where the data sits. Web hosting by Hetzner Online GmbH (Germany), per the privacy policy
  • Source code. Closed source
  • Replaces. Empower (Personal Capital)

DivvyDiary is a dividend calendar and portfolio tracker run by QuerGradAus GmbH at Hindenburgstr. 48/2 in Korntal-Münchingen. The legal notice lists Amtsgericht Stuttgart HRB 778769 and managing directors Max Große and Johannes Kronmüller. Web hosting is by Hetzner Online GmbH in Germany.

DivvyDiary says its database covers more than 68,000 stocks and ETFs. The free Scrimper plan gives one portfolio and a personal dividend calendar, and Aristocrat costs EUR 7.50 a month or EUR 89.99 a year with a 7-day trial. Its privacy policy names Twilio and Google as US providers.

What DivvyDiary does well

  • Free plan with a personal dividend calendar
  • Hetzner hosting in Germany named in the privacy policy
  • Annual price of EUR 89.99 published
  • Dividend backtesting and forecast
  • Legal notice with register number

Where DivvyDiary falls short

  • Free plan allows one portfolio
  • Focus is dividends, not full net worth
  • Privacy policy names US providers
  • No budgeting or retirement planner

Standout feature. DivvyDiary is built entirely around a personal dividend calendar with net payout figures, backtesting and a forecast.

#7 Stock Events

Lastrup, Germany Free $0.00; Pro $49.99 yearly (7 day trial); Connect add-on $0.99 per week; prices shown in US dollars Demo on request

Best for: Investors who care about upcoming dividends and earnings dates more than account aggregation

  • Operating company. Stock Events GmbH
  • Jurisdiction. EU (Germany)
  • Where the data sits. not stated on the pages we read
  • Source code. Closed source
  • Replaces. Empower (Personal Capital)

Stock Events is a tracking app from Stock Events GmbH, Ringstraße 2a in Lastrup, with Amtsgericht Oldenburg HRB209447 and David Künnen as representative. It combines a watchlist, a portfolio, and an events calendar for dividends and earnings, on web, iOS and Android.

Stock Events says it is trusted by over 1 million users, a vendor claim. Free is $0.00 for up to 15 stocks, Pro is $49.99 a year after a 7-day trial and includes API access, and the Connect sync add-on is $0.99 per week. Prices are in US dollars and hosting is not stated.

What Stock Events does well

  • Free plan with watchlist and dividend tracking
  • Events calendar for dividends and earnings
  • API access in Pro
  • German imprint with HRB number
  • Mobile apps and web interface

Where Stock Events falls short

  • Free plan limited to 15 stocks
  • Prices in US dollars
  • Auto sync is a $0.99 weekly add-on
  • Hosting location not stated on the pages we read

Standout feature. Stock Events combines dividend and earnings dates in one events calendar and offers API access in Pro.

#8 TrackMyStack

not stated on the pages we read, United Kingdom Price not read on the pages we fetched Demo on request

Best for: Privacy-minded users who enter assets by hand and want no bank connection

  • Operating company. Beeblesoft Ltd (trading as TrackMyStack)
  • Jurisdiction. United Kingdom (adequacy decision, outside the EEA)
  • Where the data sits. not stated on the pages we read
  • Source code. Closed source
  • Replaces. Empower (Personal Capital)

TrackMyStack is a net worth tracker published by Beeblesoft Ltd, registered in England and Wales under company number 09861848, with the laws of the United Kingdom governing the terms. It states that no bank logins and no name or email are required.

Users enter stocks, funds, crypto, property, loans and cash by hand, in unlimited portfolios that each have their own currency. The product states coverage of over 200,000 stocks, ETFs and funds. Prices are called delayed estimates, and city, hosting and subscription price were not on the pages we read.

What TrackMyStack does well

  • No name, email or bank logins required
  • Unlimited portfolios with their own currencies
  • Covers property, loans and cash as well as securities
  • Export and import of data
  • UK company number published

Where TrackMyStack falls short

  • All entries are manual
  • Prices described as delayed estimates
  • Price and hosting not stated on the pages we read
  • Optional AI assistant sends data to US providers

Standout feature. TrackMyStack is the only tracker here that works without a name, email or bank login.

#9 Freenance

Warsaw, Poland 14-day free trial, no credit card; paid prices are in Polish złoty including VAT and were not read Demo on request

Best for: Users in Poland and nearby who want net worth, spending and a years-of-runway figure

  • Operating company. Rafał Bajda (sole trader, trading as Freenance)
  • Jurisdiction. EU (Poland)
  • Where the data sits. EU (page: data stored in the EU on AES-256 encrypted disks)
  • Source code. Closed source
  • Replaces. Empower (Personal Capital)

Freenance is a finance platform run by Rafał Bajda, a sole trader at Przeworska 9b/62 in Warsaw. The terms list NIP 1133016791 and REGON 386531184, and Polish law governs the contract. The page states EU data storage on AES-256 encrypted disks.

Transactions come in through Synci.io and PSD2, or through MT940 and CSV files. The app shows net worth, assets and a financial freedom runway, plus an AI assistant called Axe. A 14-day trial needs no credit card, paid prices are in złoty and were not read, and some AI processing runs via Google.

What Freenance does well

  • 14-day free trial without a credit card
  • PSD2, MT940 and CSV import
  • EU data storage stated
  • Runway view for financial independence
  • Business IDs published in the terms

Where Freenance falls short

  • Paid app after the trial
  • Prices in Polish złoty
  • Sole trader as provider
  • AI features use Google, possibly outside the EEA

Standout feature. Freenance converts your net worth into a runway figure of years you could live without working.

#10 Moning

Tallinn, Estonia Free account; paid plans not shown on the pages we read Demo on request

Best for: Beginners who want to learn from other investors' public portfolios

  • Operating company. Epsylia OÜ
  • Jurisdiction. EU (Estonia)
  • Where the data sits. France (host: Scalingo, Strasbourg, per the terms)
  • Source code. Closed source
  • Replaces. Empower (Personal Capital)

Moning is a portfolio and research platform published by Epsylia OÜ, registered in the Estonian Trade Register under number 14516351 with its office at Sepapaja 6 in Tallinn. The terms name Scalingo in Strasbourg as host and Estonian law as governing law.

The site lists research on 40,000 stocks, 10,000 funds and 5,000 cryptos, according to its own meta text. Accounts are free, portfolios can be made public, and the interface comes in French, German, Spanish and English. The terms call it purely educational, and no broker sync or paid plans were seen.

What Moning does well

  • Free account
  • Research on stocks, funds, ETFs and crypto
  • Public portfolios to learn from
  • Estonian company with register number
  • Host named in France

Where Moning falls short

  • Educational platform, not a full wealth dashboard
  • No broker sync seen on the pages we read
  • Paid plans and features not shown
  • Small legal text, no managing director named

Standout feature. Moning lets you read the public portfolios of other members as a way of learning.

#11 wikifolio

Vienna, Austria Registration free of charge for viewing and virtual portfolios; investment product costs not read Demo on request

Best for: Investors who want to compare a virtual portfolio with other traders

  • Operating company. wikifolio Financial Technologies AG
  • Jurisdiction. EU (Austria)
  • Where the data sits. not stated on the pages we read
  • Source code. Closed source
  • Replaces. Empower (Personal Capital)

wikifolio is a social investing platform run by wikifolio Financial Technologies AG at Berggasse 31 in Vienna, with Companies Register number FN 311504w and VAT ID ATU64383214. Members build virtual portfolios and follow wikifolios of other traders.

The disclaimer lists shareholders Speedinvest (22%), VHB ventures (15%), founder Andreas Kern (11%), NewAlpha Asset Management (11%), PostFinance AG (10%) and Lang & Schwarz (5%). Registration is free for viewing and virtual portfolios. Sites exist for Germany, Austria, Switzerland and international visitors; investment product costs were not read.

What wikifolio does well

  • Free registration
  • Virtual portfolios for testing ideas
  • Austrian AG with register number
  • Shareholders listed on the disclaimer page
  • Sites for Germany, Austria, Switzerland and international

Where wikifolio falls short

  • Does not aggregate real broker accounts
  • No budgeting or retirement planner
  • Fees for investing not read
  • Hosting location not stated on the pages we read

Standout feature. wikifolio lets you build a virtual portfolio and compare it with the wikifolios of other traders.

#12 Stockopedia

not stated on the pages we read, United Kingdom Europe (incl UK) EUR 550 a year; US and Europe EUR 725 a year; 14-day trial with a payment card Demo on request

Best for: Active stock pickers who want ranked research and portfolio monitoring in one paid tool

  • Operating company. Stockopedia Ltd
  • Jurisdiction. United Kingdom (adequacy decision, outside the EEA)
  • Where the data sits. not stated on the pages we read
  • Source code. Closed source
  • Replaces. Empower (Personal Capital)

Stockopedia is a stock research platform whose terms say all services are provided by Stockopedia Ltd of the United Kingdom, company number 06367267. Portfolio monitoring is included in all plans, next to StockReports, StockRanks and a screener with 350+ ratios and 65 GuruScreens.

The Europe plan including the UK costs EUR 550 a year and the US and Europe plan EUR 725 a year. A 14-day trial needs a payment card. The terms also mention an Australian representative arrangement for users there, and the pages we read did not state data hosting.

What Stockopedia does well

  • StockRanks scoring on quality, value and momentum
  • Screener with 350+ ratios
  • Portfolio monitoring in every plan
  • Public yearly prices in euros
  • UK company number published

Where Stockopedia falls short

  • From EUR 550 a year
  • Research tool, not an account aggregator
  • Card needed to start the trial
  • Hosting location not stated on the pages we read

Standout feature. Stockopedia ranks stocks with StockRanks on quality, value and momentum, backed by a 350+ ratio screener.

How do you choose a portfolio tracker as a European investor?

Start from the question you ask most often. If it is "what do I own across all accounts", pick an aggregator: getquin, Finanzfluss Copilot, Finary or Freenance read banks or brokers. If it is "how did I really perform", pick Portfolio Performance, which computes true-time weighted return and IRR from your own transaction history.

If it is "what will I be paid and when", look at DivvyDiary or Stock Events, both built around payout and earnings dates. If it is "what is inside my ETFs", Parqet X-Ray is the answer. A tracker that is good at one of these is usually mediocre at the others, so decide before comparing price tables.

Then check what the free plan caps. Parqet Basic allows one portfolio and two integrations, DivvyDiary Scrimper one portfolio, Finanzfluss Copilot one budget and one watchlist, and Stock Events 15 stocks. Those limits matter more than the monthly price once you hold two brokers.

What do European portfolio trackers cost?

Four of the twelve have a permanent free plan with real use: Parqet Basic, getquin Free, Finanzfluss Copilot Free and DivvyDiary Scrimper. Moning is a free account, and wikifolio registration is free for viewing and virtual portfolios. Portfolio Performance shows no price on the pages we read.

Paid tiers are published in different units. getquin charges 89,99 EUR a year for Premium and 149,99 EUR for Wealth. DivvyDiary Aristocrat is EUR 7.50 a month or EUR 89.99 a year. Finanzfluss Copilot PLUS is 5,83 EUR a month on a 69,99 EUR annual bill. Parqet Plus is 11,99 EUR a month on annual payment, and Stockopedia starts at EUR 550 a year.

Stock Events quotes US dollars, with Pro at $49.99 a year and sync as a $0.99 weekly add-on, while Freenance bills in Polish złoty. Finary names Lite, Plus and Pro without a price in the text we read, and TrackMyStack shows none either. Ask for the number before you assume it is cheap.

Do European trackers keep your financial data in Europe?

Only some of them say so. Finanzfluss Copilot states encrypted storage on German servers. Freenance says data is stored in the EU on AES-256 encrypted disks. Moning names Scalingo in Strasbourg, DivvyDiary names Hetzner in Germany, and Portfolio Performance keeps files on your own computer. The other seven pages we read did not state a hosting location.

Company seat is a separate question. Ten of the twelve are registered in the EU: Germany, France, Poland, Estonia and Austria. TrackMyStack (Beeblesoft Ltd) and Stockopedia (Stockopedia Ltd) are British, and the UK is covered by an adequacy decision but sits outside the EEA.

Watch the processors too. DivvyDiary names US providers Twilio and Google in its privacy policy, TrackMyStack sends content to US providers if you switch on its AI assistant, and Freenance routes some AI processing through Google. A European seat does not remove those sub-processors.

How do you move from Empower to a European tracker?

Export what you can from Empower first, then rebuild the links. Bank and broker connections do not transfer, so you re-authorise each one in getquin, Finanzfluss Copilot, Finary or Freenance. Freenance imports through PSD2, MT940 and CSV, and Finanzfluss Copilot lists automatic import from 350+ providers.

Manual routes work too. Portfolio Performance and TrackMyStack take file or hand entries, and TrackMyStack lists import and export of data. Test with one account and compare the totals against your Empower dashboard before you close anything.

Expect gaps. Empower pairs its dashboard with a retirement planner, budgeting and adviser services, and the European trackers split those jobs. Budget views live in Finanzfluss Copilot, Finary and Freenance, and a retirement plan only in getquin Wealth.

When should you not switch to a European tracker?

Do not switch if most of your wealth sits in US accounts. The European tools are built around European brokers, euro prices and local products such as PEA and life insurance at Finary, so a household with a 401(k) and US brokerage will find less coverage. TrackMyStack handles mixed currencies by hand.

Do not switch if you rely on adviser-led planning. None of these twelve offers what a US wealth manager sells, and getquin and Finary mention regulated services only on the side. Also keep your current tool if the free plan of the new one caps exactly what you use, such as a second portfolio on Parqet.

Which trackers work without connecting a bank account?

Portfolio Performance, TrackMyStack, Moning and wikifolio do. Portfolio Performance works on files you maintain, TrackMyStack on hand entries without a name or email, Moning on portfolios you build yourself, wikifolio on virtual portfolios, and Stock Events on hand-entered holdings on its free plan.

The tradeoff is upkeep. A manual tracker is only as current as your last entry, and TrackMyStack warns in its terms that prices and exchange rates are delayed estimates. If you trade monthly, that is fine. If you trade weekly, you will want sync.

How we selected and ranked these 12 tools

Every tool on this page is in the European Purpose directory, which means the operating company is established in Europe and we have verified that from the company register or the vendor's own legal notice rather than from a marketing page. Tools headquartered outside Europe are not eligible, however good they are.

  1. Feature verification (weight: 40%). We check each capability against the vendor's own documentation and product pages, and record what the tool does rather than what the category is assumed to include.
  2. Ease of adoption (weight: 30%). Integrations, published API access, trial availability and how much configuration stands between signing and a usable result.
  3. Value and transparency (weight: 30%). Published pricing counts in a vendor's favour; quote-only pricing is recorded as quote-only rather than estimated. We weigh what a buyer gets for the entry price, not the headline feature count.
  4. Editorial review. Every page is researched and drafted with AI assistance, and the compliance and pricing claims are checked against the vendor's documentation before it is published under the founder's editorial responsibility. The three weights above decide the order; a position is a ranking against the other European tools in this category, not an absolute score.

Vendor-reported outcomes — ROI figures, margin uplift, time saved — are labelled as vendor claims wherever they appear on this page. We have not audited them, and neither has anyone else who quotes them. Read our full editorial process for how pages are re-verified.

Frequently asked questions

It depends on the job. For a free net worth view with many connections, getquin and Finanzfluss Copilot. For ETF look-through, Parqet. For exact returns on local files, Portfolio Performance. For French savers, Finary. For dividend dates, DivvyDiary or Stock Events. For paid stock research, Stockopedia.

Yes. Parqet Basic, getquin Free, Finanzfluss Copilot Free and DivvyDiary Scrimper are free plans, and Moning is a free account. Each caps something, for example one portfolio and two integrations on Parqet or 15 stocks on Stock Events.

Portfolio Performance, a desktop program from Mannheim for Windows, macOS and Linux. The pages we read do not state its licence, and the provider named in the imprint is an individual, Andreas Buchen.

Finanzfluss Copilot (German servers), Freenance (EU storage), Moning (Scalingo in Strasbourg), DivvyDiary (Hetzner in Germany) and Portfolio Performance (your own computer). The remaining pages we read did not give a location.

getquin names a retirement plan in its Wealth tier at 149,99 EUR a year. Freenance shows a years-of-runway figure for financial freedom. The other tools here do not list a retirement planner on the pages we read.

TrackMyStack asks for no name, email or bank login. Portfolio Performance needs no vendor account because it is a desktop program. Both mean you enter or import the transactions yourself.