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Built for European investors — available in 35 languages

The Extra Leaf for Your Portfolio

Every portfolio deserves a bit of luck

A four-leaf clover is rare — so is a portfolio tracker that's powerful, affordable, and respects your privacy. AI insights in your language, real-time prices across 21 currencies, dividend tracking, and 4 dashboard themes.

NewMCP for Claude Code & Cursor

Connect your portfolio to Claude Code, Cursor, or Claude Desktop with a personal access token.

Setup guide
Start Free — No Card RequiredTry the Live Demo
35
Languages
21
Currencies
€4.08/mo
Basic (annual)
100%
Privacy-first
PortfolioDividendsPerformance
€47,284.50+€1,247.30 (+2.71%)
Total Value · 12 holdings · EUR
Day Gain
+€347.20
Total Gain
+€8,241
Dividends
€1,420
ASML
+18.42%
VWCE
+12.05%
AAPL
+8.73%
BABA
-4.21%
35 Languages
More than any major portfolio tracker
2–5x Cheaper
Than comparable trackers
AI in Your Language
Across all 24 official EU languages
Zero Data Selling
GDPR · Privacy-first
Meet Clover

Clover is trefolio’s default AI assistant for portfolio and personal finance

One conversation inside trefolio. You talk to Clover; it orchestrates Warren (investments) and Clara (cashflow) behind the scenes — same account, one answer.

WarrenWarrenPortfolio · holdings · dividends · allocation
CloverClovertrefolio AI integrator
ClaraClaraPersonal finance · expenses · budgets · savings
trefolio AI · default assistant

Clover

Your single chat — Warren & Clara work with you behind the scenes

  • One chat, both worldsPortfolio questions and personal-finance questions — same in-app chat, same Telegram bot.
  • Context that crosses overClover asks Clara for surplus and Warren for allocation — so “can I contribute?” gets a real answer.
  • Same login, no setup mazeNo Clara yet? Clover proposes creating your space with the same trefolio account.
OrchestratesWarren · portfolioClara · personal finance
Clover · trefolio AI

YouCan I contribute €400 to VWCE this month?

CloverClara shows about €640 surplus after fixed costs, and Warren has your DCA plan at €400. That leaves buffer. Tech is already a large share of the portfolio.via Clara · surplusvia Warren · allocation

What Clover pulls together · your money, two sides

Clara · cashflow

+€640

estimated surplus · this month

Income€3.2k
Expenses€2.56k
Warren · portfolio

€47.2k

+2.71% · 12 holdings

Stocks / ETFs78%
Cash22%

The added value: you don’t juggle apps — Clover orchestrates both sides and answers in plain language. Clara shares an aggregated savings snapshot, not every receipt. Informational only — not financial advice.

Your agents team

Three financial agents, four plans

Clover is trefolio’s default assistant — it orchestrates Warren (portfolio) and Clara (personal finance) behind the scenes. Will stays available for notes.

Warren

Portfolio analyst

Reads your holdings, dividends, allocation, and news. Proposes adds, sells, alerts and cash entries — every write requires Confirm. Built into the trefolio dashboard and Telegram.

Open trefolio

Clara

Personal finance

Tracks expenses, budgets, savings goals and recurring bills. Asks the right next question instead of dumping a spreadsheet. Web app and Telegram bot.

Try Clara

Will

Smart notes

Captures voice notes and meeting transcripts, summarises them, and links related notes automatically. Ideal for investing journals and decision logs. Telegram bot today, web chat soon.

Try Will

Free: Clara 30 msgs/day, Will 3/day. Basic raises Will to 30. Pro 200/day, Wealth 500/day.

See all five agents →
Developers & AI

Connect Cursor, Claude Code, and your agents to your portfolio

Use MCP with a personal access token — portfolio reads, Warren MOAT, and agent workflows. Step-by-step setup for Claude Code and Cursor.

  • Profile → Developer · MCP
  • Claude Code, Cursor, Claude Desktop
  • Portfolio + Warren MOAT tools

MCP for Claude Code & Cursor

Connect your portfolio to Claude Code, Cursor, or Claude Desktop with a personal access token.

MCP setup guideFull documentation

Everything You Need to Invest Confidently

From real-time tracking to AI-powered analysis — built for European retail investors who want clarity, not complexity.

Portfolio

All Your Investments in One Place

Two-column dashboard with interactive evolution chart, benchmark overlays, and event markers. Track stocks, ETFs, mutual funds, and crypto across NYSE, XETRA, LSE, Madrid, and more — with automatic currency conversion and ISIN search.

  • Portfolio evolution chart with 1D to MAX time ranges
  • 19 benchmark overlays (S&P 500, MSCI World, DAX, BTC, Gold, and more)
  • Performance metrics: TTWROR, IRR, Sharpe, max drawdown
  • Value vs Performance toggle — see true investment returns
All Your Investments in One Place
Dividends

Track & Project Your Dividend Income

Monitor estimated annual income, per-stock dividend yields, Yield-on-Cost, and upcoming ex-dividend dates. Project your future income with the interactive DRIP simulation chart.

  • Estimated annual dividend income with Yield-on-Cost
  • Interactive DRIP simulation (5–30 year projections)
  • Ex-dividend calendar (next 90 days)
  • Monthly income chart with realized gains
Track & Project Your Dividend Income
AI Insights

AI-Powered Analysis at Your Fingertips

AI Portfolio Score rates your portfolio 0–100 with sub-ratings for diversification, risk, and costs. Ask the chart AI assistant questions, get an AI-powered portfolio review, and chat with Portfolio AI — your always-contextual investment companion.

  • AI Portfolio Score (0–100) with actionable recommendations
  • Portfolio AI drawer — ask anything about your portfolio
  • Chart AI assistant — question any move on the evolution chart
  • AI Support Agent for instant help
AI-Powered Analysis at Your Fingertips
AI ScreeningPro

Research-backed ideas for your portfolio gaps

Describe a gap — or a single company — and agents research Hard Data, IR, sentiment and technicals. Each candidate is scored on Cheap, Fit and Solidity. A QA pass checks claims against sources before the report unlocks. Research aid only — not financial advice.

  • Shortlist of up to 5 candidates with evidence, not a ticker dump
  • Three independent scores: Cheap, Fit, and Solidity
  • Analyze a single company with the same research agents
  • Verified / Flagged banner after QA checks numbers and sources
Open screening
Research-backed ideas for your portfolio gaps
Holdings explorer

Rank your positions. Ask Warren about any number.

Sort the stocks and ETFs you already own by P/E, dividend yield, weight, and quality. Click a cell and Warren explains that figure — and can look up public investor-relations filings and earnings-call transcripts. AI-generated and informational only. trefolio is not a financial advisor.

  • Your holdings, ranked — not a market-wide ticker dump
  • Click P/E, ROE, yield, or weight to ask Warren about that exact figure
  • Full-screen chat; Warren can search IR pages, PDFs, and earnings calls
  • AI-generated answers. Not investment advice. Figures can be delayed or incomplete.
Start with your portfolio
Rank your positions. Ask Warren about any number.
Import

Import Your Portfolio in Seconds

Visit the unified /import page — multiple methods in one place: 14 broker CSV formats, automatic Broker Sync with 20+ brokerages, AI Import from screenshots, and manual entry. Import stocks, ETFs, and mutual funds (fondos); step-by-step guides are built in for each method. Buys, sells, dividends, and fees are parsed automatically.

  • 14 broker CSV formats: DEGIRO, IBKR, Trading 212, Revolut, Schwab, Fidelity, and more
  • Automatic Broker Sync — connect your brokerage directly (paid plans). Read-only, privacy-first: powered by SnapTrade & Plaid
  • AI Import for any screenshot or unsupported format
  • Built-in step-by-step guides for each method
Import Your Portfolio in Seconds
Telegram

Warren on Telegram (now with voice)

Connect once from your profile and chat with Warren on Telegram — same AI portfolio companion, same write-with-confirmation safety, on any phone or desktop. Type or send a voice note: Warren transcribes, answers, and even speaks the reply back. Ask for charts, news, dividends, allocation, performance, or propose adds, removes, cash entries or alerts with a single Confirm tap. Warren also explains the concepts behind the numbers — margin of safety, drawdown, payout ratio — in plain language from a curated value-investing knowledge base.

  • One-time deep-link from /profile — no password sharing
  • Talk to Warren: send a voice note, get a spoken reply (text always sent first)
  • Educational concept lookup — "what is P/E?", "explain drawdown" — paraphrased in plain language
  • Read holdings, growth, dividends, news, alerts and watchlist
  • Add holdings, cash or alerts — every write requires Confirm
  • Replies in your language (35 supported); commands /help, /portfolios, /news, /alerts
Warren on Telegram (now with voice)

EU Tax Reports

Country-specific tax summaries for Germany, France, Spain, Netherlands, and Italy with AI Tax Assistant

Stock Screener

Filter 680+ stocks by dividend yield, P/E, sector and market cap with preset strategies — a fundamentals filter, not AI research

Holdings explorer + Warren

Rank your own positions by P/E and yield, then ask Warren about a highlighted cell. Grounded in public filings. Not investment advice.

AI investment screening

Portfolio-gap or Analyze a ticker — candidates scored on Cheap, Fit and Solidity, then QA-checked before the report unlocks

Moat Screener

680+ stocks scored on 8 Buffett-style criteria — earnings consistency, margins, ROE, debt, and more. Pre-evaluated and searchable.

Net Worth Tracking

Track real estate, savings, and pension assets alongside your investments for a complete picture

AI Portfolio Score

Get a 0–100 score with sub-ratings for diversification, risk, costs, and macroeconomics — plus actionable recommendations

MCP for AI clients

Personal access tokens for Claude Code, Cursor, and Claude Desktop — read portfolios and run Warren MOAT from your editor.

Agent OfficeBeta

Warren, Clara & Will coordinate financial missions (beta)

Broker Import

14 broker CSV formats, SnapTrade auto-sync with 20+ brokerages, AI Import, and manual entry. Step-by-step guides for every method.

Performance Breakdown

Annual return bar chart, TTWROR, IRR, Sharpe, max drawdown, and volatility — tap any matrix cell for the formula and an AI narrative

Company analysis

Stocks get fundamentals and insider flow; ETFs get fund facts, holdings, and weights — same /analisis URL

Event Calendar

Earnings reports, economic events, and IPO calendar with portfolio-aware highlights

35 Languages35 langs

35 languages — more than any major portfolio tracker. AI insights delivered in your native language.

Auto-sync active
Last synced 2m ago
Interactive Brokers
24 positions
Charles Schwab
12 positions
Fidelity
8 positions
44 positions synced
3 brokers
20+ brokerages
Broker SyncAuto

Connect Your Broker. Sync Automatically.

Link your brokerage account once and trefolio keeps your portfolio up to date — new trades, dividends, and fees imported automatically. Read-only access, powered by SnapTrade.

  • 20+ supported brokerages worldwide
  • Automatic daily sync — no manual uploads
  • Read-only access — we never place trades
  • Buys, sells, dividends & fees all captured
Sync Now — It's Free to Start

Works with Interactive Brokers, Schwab, Fidelity, Alpaca, Questrade & more

See It in Action

From import to insights in under a minute. Choose your broker, see your portfolio, and dive into any stock.

1

Import Your Portfolio

Pick from 14 broker formats, AI Import, or manual entry — your holdings appear instantly

2

See Your Dashboard

Real-time values, daily changes, and performance across all your holdings

3

Explore Any Stock

Tap a holding to see price charts, fundamentals, and AI-powered analysis

Personalization

Make it yours

Four distinct dashboard themes with unique typography, colors, and layout. From clean minimalism to hacker-chic.

DefaultFree
Clean fintech, dark/light toggle
€47,284
+2.71%
ASML+18.42%
VWCE+18.42%
AAPL+18.42%
CanvasPro
Warm, editorial, forced light
€47,284
+2.71%
ASML+18.42%
VWCE+18.42%
AAPL+18.42%
portfolio — zsh
TerminalPro
Monospace, hacker aesthetic
$ portfolio --total
€47,284
+2.71%
$ portfolio --holdings
ASML+18.42%
VWCE+18.42%
AAPL+18.42%
▊
StudioPro
Premium dark, sidebar layout
€47,284
+2.71%
ASML+18.42%
VWCE+18.42%
AAPL+18.42%
Why trefolio

Premium features, fraction of the price

Everything you need to track, analyze, and grow your portfolio — starting at €0.

35
Languages
Most multilingual tracker on the market
AI
In Your Language
Portfolio review, stock analysis, screenshot import
Free
Free
Right now
Start with Free — no card required
0
Data Sold
GDPR compliant, encrypted, privacy-first
Feature by feature

Why Choose trefolio?

The portfolio tracker you've been looking for — simple, affordable, and smart.

FeaturetrefolioOther TrackersSpreadsheets
AI portfolio analysis
AI in your native language (35)
4 dashboard themes
Hardware desk display
Market move alerts
AI screenshot import
Free tier with real-time quotes
Multi-currency (21 currencies)
Automatic broker sync
Dividend tracking & calendar
Performance metrics (TTWROR, IRR)
Net worth & manual assets
Full data ownership (no lock-in)
EU tax reports (DE, FR, ES, NL, IT)
Stock screener (680+ stocks)
Stealth mode
Financial Planning & FIRE calculator
Referral program (earn free Pro)

Bold rows = trefolio exclusives or areas where trefolio significantly leads the market.

Privacy & Trust

Your data stays yours

We never sell your data. Our business model is simple: subscriptions. That's it.

GDPR Compliant

Fully compliant with European data protection laws. Your financial data is encrypted at rest and in transit.

No Credential Access

Broker sync runs through SnapTrade and Plaid — regulated providers. We never see your login credentials.

Export & Delete Anytime

Download all your data or permanently delete your account at any time. Zero lock-in. Your portfolio, your rules.

How it works

Up and running in 3 steps

From signup to a fully tracked portfolio in under 5 minutes.

1

Create your account

Sign up free with email or Google. No credit card required. Takes 30 seconds.

2

Import your portfolio

Upload a CSV from your broker, connect via API, or add holdings manually.

3

Track & grow

See real-time valuations, dividends, performance metrics, and AI insights.

Ready? Start tracking in under 2 minutes.

Get Started Free

Frequently Asked Questions

Everything you need to know to get started.

trefolio icon on an iPhone home screen
PWA

A Progressive Web App on Your Home Screen

trefolio is a Progressive Web App (PWA) — install it directly from your browser, no app store needed. It looks and feels like a native app on any device.

  • Tap "Add to Home Screen" in Safari or the install banner in Chrome — opens full-screen with no browser chrome
  • Home screen widget on iOS to see your portfolio value, daily P/L, and top holdings at a glance
  • Works offline — app shell is cached for instant loading, even without network
  • Automatic updates — always the latest version, no manual downloads

Start Tracking Your Portfolio Today

Join investors across Europe who trust trefolio. Start free, upgrade when the habit sticks.

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