Best Portfolio Trackers for European Investors in 2026 — Compared

If you invest in Europe and track your portfolio across multiple brokers, currencies, or account types, you have probably tried at least one dedicated tracking tool — and probably found it frustrating in some way. The market is full of portfolio trackers, but they make very different trade-offs in how they handle your data, how much they let you customize, and how they connect to your accounts.

This article compares six portfolio trackers available to European investors in 2026: Finary, getquin, Portfolio Performance, Snowball Analytics, Ghostfolio, and Tukhe. We also briefly consider Excel and Google Sheets, since many investors still use them as a fallback. For each tool, we focus on what matters most in practice: where your data goes, how the tool connects to your brokers, how flexible the portfolio organization is, how it handles multiple currencies, and what it costs.

Full disclosure: this article is published by Tukhe, so we have an obvious interest. We have tried to be fair and factual throughout. Every claim below is based on publicly available information from each product's official website, documentation, or app store listing as of March 2026.

Where does your data actually go?

This is the question that separates these tools most sharply.

Finary is a cloud-based application. Your portfolio data is stored on Finary's servers. To connect your accounts, Finary relies on third-party aggregation services — specifically Powens (formerly Budget Insight) and Plaid — to access over 20,000 banks and brokerage platforms. An account with an email address is required. Finary states that it does not store banking credentials and that connections are read-only. It is worth noting that Finary has been evolving beyond pure portfolio tracking: the platform now also distributes financial products including life insurance (Finary Life, insured by Generali), crypto trading, and is launching its own PEA. This means the company has financial incentives beyond the subscription itself.

getquin is also cloud-based. It connects to brokers through a mix of Open Banking protocols and third-party services including finAPI, SnapTrade, and Flanks.io, depending on your country and broker. Your data is stored on EU servers. An account is required. getquin describes its security as "bank-level encryption" — a phrase that sounds reassuring but says little about the actual architecture. Your portfolio data is processed and stored on their infrastructure, and connecting external accounts through third-party aggregators means sharing credentials with multiple services. Notably, getquin's business model includes advertising revenue alongside premium subscriptions, and some reviews report that data export is not available — meaning you cannot download your own portfolio data for backup or migration.

Snowball Analytics is cloud-based and connects to brokers through Yodlee and SnapTrade. An account is required. It is a French company based in Lyon.

Portfolio Performance is an open-source desktop application. All data is stored locally on your computer in XML files. There is no cloud component, no account, and no broker connection. Prices are fetched from public sources (Yahoo Finance, CoinGecko, etc.) but your portfolio data never leaves your machine. This is the original "local-first" approach in the portfolio tracking space.

Ghostfolio is an open-source web application that can be self-hosted. If you run it on your own infrastructure, your data stays under your control. However, setting it up requires Docker, PostgreSQL, and Redis — which makes it a realistic option only for technically inclined users. There is also a hosted cloud version available.

Tukhe is a desktop application. All data is stored locally on your machine. No account, email, or personal information is required — the application is completely anonymous. There is no user database, no profile, no cloud storage. Tukhe connects directly to supported brokers (IBKR, Saxo, Kraken) through in-house connectors — it does not use Plaid, Yodlee, Powens, Salt Edge, SnapTrade, or any other third-party aggregation service. Your credentials go directly to your broker, not to an intermediary. Broker connections are read-only. The application is built in Rust with no embedded browser and no JavaScript runtime, resulting in a small binary with a minimal attack surface. This is a fundamentally different security model from cloud-based trackers: there is no centralized database of user portfolios to breach, because that database simply does not exist.

Excel / Google Sheets keep data wherever you put them — locally for Excel, on Google's servers for Sheets. No aggregator involvement, but no automation either.

How does data get into the tool?

The way a portfolio tracker connects to your broker accounts has direct implications for convenience, reliability, and how many systems handle your credentials.

Finary offers automated connections through its aggregator network (Powens and Plaid). This covers a very wide range of institutions — over 20,000 according to its website. The breadth of coverage is one of Finary's strongest points. However, connection reliability has been a well-documented issue. In Finary's own 2026 shareholder letter, CEO Mounir Laggoune acknowledged that sync issues were "our users' biggest frustration." The company acquired a startup called Affluent specifically to address the problem and is building what it calls "an anti-fragile event system — a new architecture that works even when bank connections break down." This is an honest acknowledgment of a structural challenge inherent to the aggregator model: when you depend on third-party connectors to reach thousands of institutions, breakdowns are not bugs — they are an architectural reality.

getquin uses Open Banking for supported European brokers (Trade Republic, Scalable Capital, DEGIRO, etc.) and SnapTrade for US, UK, and other brokers. Manual entry and CSV import are also available. Coverage is broad, though some smaller regional brokers may not be supported.

Snowball Analytics connects through Yodlee and SnapTrade, covering over 1,000 brokers worldwide. It also supports CSV import from 15 brokers directly. Manual entry is available.

Portfolio Performance has no automated broker connection. All transactions must be entered manually or imported via CSV. Historical prices can be fetched automatically from Yahoo Finance, CoinGecko, and other sources, but the transaction data itself is entirely user-maintained.

Ghostfolio is manual entry only. There are no automated broker connections. Transactions are added one by one or through a file import.

Tukhe connects directly to IBKR, Saxo, and Kraken through native, in-house API connectors. This means no third-party aggregator sits between you and your broker — your credentials go straight to the broker, and the data comes back to your machine. The trade-off is that automated connections are currently limited to these three brokers. Tukhe is bootstrapped and fully independent — no VC funding, no financial product partnerships, no advertising revenue — which means broker integrations are being built one at a time, each with its own native connector rather than plugging into a third-party aggregation layer. More brokers are on the roadmap. For holdings at unsupported brokers — a PEA, pension, life insurance, physical gold — Tukhe lets you create manual positions to rebuild a complete portfolio view.

How flexible is portfolio organization?

This is where tools diverge most in terms of usefulness for serious portfolio management.

Finary offers geo and sector allocations as part of its Plus plan. These are based on standard classifications. Custom categories exist for cash flow tracking but the portfolio organization itself follows Finary's own structure.

getquin organizes portfolios by geography, sector, and asset class. The platform provides useful breakdowns but customization is limited — you cannot create arbitrary groupings of positions according to your own strategy. The focus is more on standard analytics and community-driven insights.

Snowball Analytics allows some customization of categories and offers rebalancing tools, backtesting, and dividend rating. However, asset organization largely follows conventional structures (sectors, asset classes).

Portfolio Performance is highly flexible. You can create custom taxonomies and classify positions however you want. Rebalancing is supported based on user-defined asset allocations. This is one of Portfolio Performance's greatest strengths, though the setup requires significant manual effort.

Ghostfolio provides basic portfolio analytics and allocation breakdowns. Customization is more limited than Portfolio Performance.

Tukhe lets you create unlimited custom allocations — your own groupings of positions. A single position can belong to multiple allocations simultaneously. You can organize by strategy (defense, income, tactical, quality), by theme (dollar exposure, precious metals), or by any other logic that reflects how you actually think about your portfolio. This is one of Tukhe's core differentiators: the portfolio structure follows the investor's thinking, not the broker's categories.

Real-time data and reliability

Finary provides real-time price updates as part of its Plus plan. The free tier has delayed data.

getquin provides real-time price updates for most assets. However, some user reviews mention occasional price inaccuracies and data mismatches, and there are no quotes available on days when the German stock market is closed.

Snowball Analytics does not offer real-time pricing. Data is updated on a delayed basis. For buy-and-hold and dividend investors this may not matter much, but for active portfolio management it is a limitation.

Portfolio Performance fetches prices from Yahoo Finance and other public sources. Updates are periodic, not real-time. The quality depends on the data source used.

Ghostfolio fetches market data but does not offer real-time streaming prices.

Tukhe provides live or delayed data depending on the user's broker subscription. Because it connects directly to the broker API, the data comes from the same source the broker uses — there is no intermediate layer that might introduce delays or inconsistencies.

Multi-currency support

This is a critical feature for European investors who hold positions across multiple markets and currencies.

Finary supports multi-currency and shows assets in their original currency as well as a base currency. The breadth of asset coverage (including real estate, crypto, precious metals) makes it useful for comprehensive net-worth tracking across currencies.

getquin supports multi-currency portfolios. However, some reviews note that there is no currency impact analysis — meaning you cannot easily see whether international positions gained from exchange rates or lost to currency headwinds.

Snowball Analytics supports multi-currency and lets you view performance in your native currency.

Portfolio Performance has strong multi-currency support. It uses historical exchange rates from the European Central Bank and can handle accounts and positions in different currencies. This is well-implemented but requires manual setup.

Ghostfolio supports multi-currency portfolios.

Tukhe supports multi-currency and provides consolidated views in the user's base currency. Because it connects directly to IBKR and Saxo — brokers where multi-currency is the norm rather than the exception — the currency handling is designed around the complexity that European multi-broker investors actually face.

Pricing

Finary: Free tier available with limited features. Finary Plus is approximately 149.99 euros per year (full analytics, real-time prices, unlimited connections, fee scanner).

getquin: Generous free tier with core portfolio tracking, broker connections, and community access. Premium is approximately 49.99 euros per year for advanced analytics, benchmarking, and dividend forecasting.

Snowball Analytics: Very limited free tier (1 portfolio, 10 holdings). Starter plan at approximately 56 dollars per year, Investor plan at approximately 105 dollars per year.

Portfolio Performance: Completely free and open-source. An optional mobile companion app offers a Premium subscription for dashboards.

Ghostfolio: Free and open-source. A Premium subscription is available to support development.

Tukhe: Free version with no limitations. A paid tier exists for saving settings and allocations, but the free version is fully usable. No account required.

What each tool does best

Finary covers the widest range of asset types. If you want to see your entire financial life — bank accounts, brokerage accounts, real estate, crypto, precious metals, loans, collectibles — in one place, Finary connects to more institutions than any other tool in this comparison. It is particularly embedded in the French financial ecosystem. The trade-offs are significant: this breadth relies on cloud storage and third-party aggregators (Powens, Plaid), which introduce structural sync reliability challenges that Finary itself has publicly acknowledged. The platform is also evolving from an independent tracking tool toward a financial product distributor — offering its own life insurance, crypto trading, and soon a PEA — which changes the incentive structure. When a tracker also sells the products it might recommend, the line between analysis and distribution becomes harder to draw.

getquin is the strongest option for investors who value community and social features. The ability to share portfolios, get feedback, and discover investment ideas from other users is unique in this space. It is well-suited to beginner and intermediate investors who are actively learning. The trade-offs are limited portfolio customization, the inability to export your own data, reliance on third-party aggregators for connections, and a business model that includes advertising alongside subscriptions.

Portfolio Performance is the gold standard for open-source, privacy-respecting portfolio analytics. It is completely free, stores everything locally, and offers deep performance calculations. It is best suited to investors who are comfortable with manual data entry and a learning curve. The trade-off is that there are no automated broker connections and no real-time data.

Snowball Analytics is the strongest option for dividend-focused investors. Its dividend tracking, forecasting, and rating features are among the most detailed available. The rebalancing and backtesting tools add genuine analytical depth. The trade-off is that it relies on Yodlee and SnapTrade for connections, the free tier is very limited, and there is no real-time pricing.

Ghostfolio is a solid option for self-hosters who want an open-source web application they can run on their own infrastructure. The trade-off is that it requires a Docker setup with PostgreSQL and Redis, which puts it out of reach for most non-technical investors. There are no automated broker connections.

Tukhe is built for investors who want direct broker API connections, fully custom portfolio organization, and a fundamentally different approach to security and privacy. No account, no email, no cloud — your data exists only on your machine, and your broker credentials go directly to your broker, not through an intermediary. It is completely anonymous: Tukhe has no user database to breach because it does not collect user data. The application is particularly relevant for IBKR and Saxo users who need a real analytical layer on top of their broker — one that organizes positions by strategy, not by the broker's default categories. Tukhe is bootstrapped and fully independent: no VC funding, no advertising, no financial product partnerships. The trade-off is that automated broker connections are currently limited to IBKR, Saxo, and Kraken, with more being built. Investors with holdings elsewhere can use manual positions to complete their portfolio view.

What about Excel?

Many investors use Excel or Google Sheets as their portfolio tracker, either as their primary tool or as a supplement when other tools fall short. It is completely flexible, private (in the case of local Excel files), and free.

The problem is not that Excel is bad. The problem is that it becomes the patch for tools that do not meet the need well enough. Maintaining formulas, importing CSVs, updating prices manually, reconciling currencies — it works, but it is time-consuming and fragile. Every serious investor who uses a spreadsheet knows the feeling of opening it after a few weeks and spending 30 minutes updating it before getting to any actual analysis.

The question is not whether Excel can track a portfolio. It can. The question is whether your time is better spent maintaining a spreadsheet or actually analyzing your investments.

Summary: choosing the right tool

There is no single best portfolio tracker — only the best one for your specific needs and your specific priorities.

If you want the widest range of asset types and institution connections and are comfortable with cloud storage and third-party aggregators, Finary covers the most ground — though its evolution toward selling financial products and its well-documented sync challenges are worth considering.

If you want community interaction and social investing features at an accessible price, getquin offers something no other tracker does — though your data lives on their servers and you cannot export it.

If you want completely free, open-source, local analytics and are willing to do manual data entry, Portfolio Performance is the most respected choice in that category.

If dividend tracking and income forecasting are your primary needs, Snowball Analytics has the deepest tools for that use case.

If you care about where your data goes, who handles your credentials, and whether the tool you use is truly independent — Tukhe takes an approach that none of the others do. Direct broker connections with no intermediary. Complete anonymity with no account required. Local storage with no cloud. A bootstrapped, independent product with no advertising, no financial product sales, and no VC pressure to monetize your data. The broker support is growing, and the free version has no limitations.

The right choice depends on what matters most to you. But one question is worth asking of any tool you use: do you know where your portfolio data actually goes, who handles your credentials, and what business model pays for the product? The answers may change which trade-offs you are willing to accept.