Best Portfolio Tracker for Estonia Investors

One dashboard for your EUR, USD, and global holdings — built for Estonian investors and e-Residents who invest across borders.

Why tracking investments in Estonia is different

Estonia is Europe's most digitally advanced country and a magnet for tech-savvy investors, entrepreneurs, and digital nomads. The e-Residency programme — launched in 2014 — allows anyone in the world to register and run an EU-based company remotely, creating a global community of location-independent business owners with ties to Estonia. The country's tax system is uniquely favourable for reinvesting profits, with no corporate income tax on retained earnings. For individual investors, Estonia applies a flat 20% income tax rate on capital gains and dividends, keeping the system simple and predictable.

Estonian investors punch above their weight internationally. The local tech ecosystem — home to companies like Wise, Bolt, and Lightyear — has produced a generation of investors comfortable with global markets and multiple currencies. The Tallinn Stock Exchange (Nasdaq Tallinn) exists but is small, so most Estonian investors hold significant positions on international platforms like Interactive Brokers, DEGIRO, Trading 212, and the Estonian-founded Lightyear. Local banks LHV and Swedbank also offer brokerage services, creating a mix of domestic and international accounts that need consolidation.

FlashFi is a multi-currency portfolio tracker that brings all of these accounts into a single view. Whether you hold ETFs on LHV, US stocks on Interactive Brokers, and European positions on DEGIRO, FlashFi consolidates everything into one EUR-native dashboard with live FX rates across 30+ currencies. No bank linking, no credential sharing — just a private, unified view of your net worth from Tallinn or anywhere in the world.

Key challenges for Estonia investors

Fragmented accounts across local and international platforms

Estonian investors commonly split their holdings across multiple platforms. LHV Pank offers a solid local brokerage with Nasdaq Tallinn access, but investors seeking US or Asian market exposure turn to Interactive Brokers, DEGIRO, or Trading 212. Lightyear — founded by Wise alumni in Tallinn — adds yet another platform to the mix. Each has its own reporting, its own currency handling, and no integration with the others. Getting a single portfolio view requires manual reconciliation across all of them.

EUR base currency with significant USD exposure

Estonia uses the Euro, but many Estonian investors hold substantial positions in USD-denominated assets — US tech stocks, S&P 500 ETFs, and USD money market funds are core holdings for the tech-oriented investor community here. EUR/USD movements directly impact the real value of these holdings. A strong quarter for US equities can be partially offset by Euro strengthening against the dollar, and most platform-level reports do not surface this currency impact clearly.

e-Residency company accounts alongside personal investments

Many Estonian e-Residents hold both a company and personal investment accounts. The tax treatment differs dramatically — company profits reinvested are tax-free, while personal capital gains are taxed at 20%. Tracking which holdings sit in which entity, and understanding the true combined net worth across both, requires a consolidated view that most single-platform dashboards cannot provide.

Small local exchange limits domestic-only strategies

Nasdaq Tallinn lists approximately 30 companies with limited liquidity compared to major European exchanges. Estonian investors who want diversified equity exposure must look beyond the local market, which means international brokerage accounts, foreign currency exposure, and the complexity that comes with both. This is not optional diversification — it is a structural necessity given the size of the domestic market.

How FlashFi helps Estonia investors

EUR-Native Dashboard

See your entire portfolio converted to EUR in real time, or switch to USD, GBP, or any of 30+ supported currencies. FlashFi pulls live FX rates so you always see the true Euro value of your international holdings without manual conversion.

Unified Multi-Platform View

Track your LHV brokerage, Lightyear account, Interactive Brokers positions, DEGIRO ETFs, Swedbank investments, and Trading 212 trades in a single dashboard. One net worth figure covering every platform you use, fully up to date.

No Account Linking Required

FlashFi uses manual portfolio tracking so it works with every Estonian and international brokerage without sharing credentials. Enter your holdings and FlashFi pulls the latest prices and FX rates automatically. No API keys needed — it works with every platform.

Currency Impact Tracking

See exactly how EUR/USD and other exchange rate movements affect the value of your international holdings. FlashFi separates asset performance from currency impact so you know what is driving your returns across your US, European, and other positions.

Frequently asked questions

Does FlashFi work with LHV Pank and Lightyear?

Yes. FlashFi uses manual portfolio tracking that works with any brokerage worldwide. You enter your holdings from LHV, Lightyear, or any other platform, and FlashFi pulls the latest prices and FX rates automatically. No API keys or credentials needed.

Can I track my e-Residency company investments in FlashFi?

Yes. You can create separate portfolios in FlashFi for your personal and company accounts, giving you a clear view of each entity's holdings and combined net worth. This helps you track the distinction between personal taxable investments and corporate holdings benefiting from Estonia's 0% reinvestment tax.

How does Estonia tax capital gains?

Estonia applies a flat 20% income tax on personal capital gains with no distinction between short-term and long-term holding periods. Estonian companies pay 0% tax on retained and reinvested profits — tax is only triggered when profits are distributed as dividends. This makes Estonian corporate structures particularly efficient for long-term investors.

Is FlashFi useful for Estonian investors with mostly EUR holdings?

Yes. Even if your holdings are primarily EUR-denominated, FlashFi consolidates multiple brokerage accounts into a single dashboard with net worth tracking over time. Most Estonian investors also hold USD-denominated assets, and that is where multi-currency tracking becomes especially valuable — you can see the real EUR impact of currency movements on your US positions.

What is the difference between e-Residency and the Digital Nomad Visa?

e-Residency is a digital identity that lets you run an Estonian company remotely from anywhere — it does not grant physical residency or the right to live in Estonia. The Digital Nomad Visa grants actual physical residence for up to one year, allowing you to live in Estonia while working remotely. Many digital nomads use both — e-Residency for their company and the Digital Nomad Visa to live in Tallinn.

By David Brougham