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.

Yes. InvestTrack is free to use. You can track all your investments across all asset types, import data from brokers and banks, and manage multiple portfolios at no cost.

  • 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 Importpage 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 datayou'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

We use the Modified Dietz method, a money-weighted return calculation that accounts for the timing of your cash flows (buys and sells). This is the same method used in institutional portfolio reporting.

Dividends, fees, and internal transfers are excluded from the cash flow calculation to ensure your return figure reflects actual investment performance.

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 Lens helps you understand what you really own. It decomposes ETFs into underlying holdings, shows your true sector and geographic exposure, highlights ETF overlap, and breaks down fund costs — so you can spot concentration risks and unnecessary fees.

Benchmark Analysislets 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.

ETF X-Ray gives you a deep look-through into your ETF holdings. It breaks down each ETF into its underlying securities, compares ETFs pair-wise for overlap, calculates your blended Total Expense Ratio (TER), and identifies consolidation opportunities where you could reduce redundancy and fees. If you hold multiple ETFs, this analysis shows you exactly where your money is — and where it overlaps.

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 free, 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 at $249/year with dedicated PE workflows. InvestTrack offers similar multi-asset tracking for free, with 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.