Frequently Asked Questions

Everything you need to know about using InvestTrack.

Getting Started

InvestTrack is a portfolio tracking platform for individual investors. It lets you monitor all your investments — stocks, ETFs, crypto, real estate, private equity, pensions, loans, and savings accounts — in one place. We focus on tracking and understanding your portfolio, not on executing trades.

  • Stocks — Individual equities from global exchanges
  • ETPs — Exchange-traded funds and products (ETFs, ETNs, ETCs)
  • Crypto — Bitcoin, Ethereum, and other digital assets
  • Real Estate — Property investments with custom valuations
  • Private Equity — Fund commitments, capital calls, and distributions
  • Pension — Retirement accounts and projected benefits
  • Fiat — Cash and savings accounts across currencies
  • Loans — Outstanding lending positions

Your portfolio is displayed in EUR by default. Assets listed in foreign currencies (e.g. US stocks in USD) are automatically converted to EUR using current exchange rates when prices are fetched. Both the original price and the EUR equivalent are stored, so you always see an accurate euro value for your holdings.

Yes. InvestTrack is built and hosted in the EU, fully compliant with GDPR and the Dutch GDPR Implementation Act (UAVG). All data is stored with row-level security, and you can export or delete your data at any time from Settings.

Importing Data

We currently support imports from 20+ institutions, including:

Dutch Banks

ABN AMRO, Rabobank, ING, Bunq, ASN Bank, Triodos, Knab, Van Lanschot Kempen

Investment Platforms

DEGIRO, Interactive Brokers, eToro, BUX, Meesman

Crypto

Coinbase

Pension & Private Equity

Mijn Pensioenoverzicht, Altix, generic PE fund statements

We also support generic CSV, Excel, MT940, CAMT.053 (XML), PDF, and JSON formats with automatic column detection. API connections to DEGIRO and Interactive Brokers are available as an optional alternative for automatic syncing.

We're continuously adding new sources. If your broker or bank isn't listed, reach out at hello@investtrack.net and we'll prioritize adding support.

Go to the Import page and upload your file. InvestTrack automatically detects the broker or bank format from the file headers and maps columns for you. If auto-detection doesn't match, you can manually select your source or map columns yourself.

Supported file formats include CSV, Excel (.xlsx), MT940, CAMT.053 (XML), PDF, and JSON.

No. InvestTrack detects duplicate transactions during import based on the date, asset, amount, and transaction type. Duplicates are flagged and skipped automatically.

We're always expanding our broker and bank support. If your institution isn't listed or you're running into import issues, reach out to us at hello@investtrack.net and we'll work on adding support.

To help us get started quickly, please include:

  • Examples of your export files — the more the better. CSV, Excel, or PDF trade confirmations all help. Feel free to redact sensitive details like account numbers.
  • The name of your broker or bank and the country it operates in.
  • The type of data you're trying to import (transactions, account statements, trade confirmations, portfolio overviews).

Prices & Valuations

Prices are fetched automatically from multiple data providers including Yahoo Finance (stocks and ETFs) and CoinGecko (crypto). If one provider is temporarily unavailable, we fall back to alternatives so your portfolio stays up to date.

For assets without a public market price — like real estate or private equity — you can enter valuations manually whenever you receive an updated appraisal or NAV report.

Market prices are refreshed automatically on a regular schedule. Cached prices are used between refreshes for fast page loads. If a fetched price deviates significantly from your cost basis, it's flagged for review rather than applied blindly.

Returns & Performance

Your total return adds up the price gain on what you still hold, the gains you locked in by selling, and the dividends, interest and rent you received. The percentage divides that by the money you put in: what you still hold at cost plus the cost of what you sold.

The chart shows the return over the visible period, corrected for money you added or withdrew in between. Where there is enough transaction history, we also show an annualised return (XIRR) that accounts for when you invested.

Yes. The Benchmarks analysis page lets you compare your portfolio returns against indices like the S&P 500 and MSCI World over various time periods (1 month, 3 months, 6 months, 1 year, 3 years, and all time). You can also create a custom blended benchmark that matches your target allocation.

Analysis Tools

The FIRE (Financial Independence, Retire Early) page projects when your portfolio might reach your target number based on your current savings rate, expected returns, and annual expenses. It includes Monte Carlo simulations to estimate the probability of your portfolio lasting through retirement.

You can customize inputs like your safe withdrawal rate, monthly contributions, target retirement age, expected pension income, and inflation assumptions.

The Income Analysis page tracks your passive income streams — dividends, interest, rental income, PE distributions, and staking rewards. It shows your last 12 months of income, year-to-date totals, growth rates, and projects future income based on historical trends. You can set an annual income goal and track your progress toward it.

Portfolio X-ray helps you understand what you really own. It opens your ETFs up into the companies they hold and adds them to the stocks you bought yourself, shows your largest companies, and compares your sector and country split with MSCI World. To compare fund costs, use the ETF Cost Advisor; to look inside a single fund without an account, use the free ETF X-Ray tool.

Benchmark Analysis lets you compare your portfolio's performance against market indices like the S&P 500 and MSCI World. You can view relative performance over multiple time periods (1 month to all-time), create a custom blended benchmark that matches your target allocation, and see tracking error metrics. This helps you understand whether your investment decisions are adding value compared to simply holding index funds.

Yes — this is one of InvestTrack's unique features. You can track PE fund commitments, called capital, distributions, and NAV over time. Performance multiples (TVPI, DPI, IRR) are calculated automatically. You can even import quarterly reports from PE platforms like Altix via PDF.

No other retail portfolio tracker offers dedicated PE workflows like this.

Yes. InvestTrack supports pension as a dedicated asset type. You can import your pension data from Mijn Pensioenoverzicht (JSON format via DigiD) and track your pension value alongside your other investments. Pension income is integrated into the FIRE calculator, so your projected state pension (AOW) is factored into your financial independence timeline.

Comparisons

Most portfolio trackers focus on stocks and ETFs. InvestTrack tracks 8 asset types with dedicated workflows for each. Here's how it compares:

  • Getquin / Parqet — Strong EU-based trackers that support stocks, ETFs, crypto, and real estate. However, neither offers dedicated private equity workflows (capital calls, distributions, IRR) or pension-as-an-asset tracking. Both lean towards the German/DACH market.
  • Portfolio Performance — Excellent open-source desktop application with mobile companion apps. Privacy-first and beloved by EU power users. However, it has no web version, and real estate or PE tracking requires manual workarounds with no dedicated features.
  • Kubera — Comprehensive net worth tracker with dedicated PE workflows. InvestTrack adds dedicated pension tracking and Dutch bank/broker support that Kubera lacks.
  • Finary — Strong multi-asset tracker built around French tax wrappers (PEA, assurance-vie). Has some Dutch bank integrations but the product is designed for the French market.
  • Spreadsheets — Ultimate flexibility but require constant manual maintenance. InvestTrack provides automatic price updates, smart broker imports, and visual analytics without formula maintenance.

Account & Data

Yes. All data is stored in a PostgreSQL database with Row-Level Security (RLS) enabled, meaning you can only access your own data — even at the database level. We use encrypted connections and server-side validation on every mutation. If you connect a broker for automated sync, API tokens are encrypted at rest and protected by row-level security.

InvestTrack is a read-only tracker. We never execute trades or move money.

Yes. You can export all your data (portfolios, assets, transactions, income, and valuations) from the Settings page under Data Management. Your data belongs to you.

Go to Settings > Data Management. From there you can clear all your portfolio data while keeping your account, or permanently delete your account and all associated data. Both options are self-service and take effect immediately.

Still have questions?

Reach out to us at hello@investtrack.net — we're happy to help.