Best Portfolio Tracker for Germany Investors

One dashboard for your Depot, ETF savings plans, and international holdings — built for German investors who invest beyond the DAX.

Why tracking investments in Germany is different

Germany has undergone a dramatic shift in investment culture over the past decade. Once a nation of savers who kept their wealth in Tagesgeld and Festgeld accounts, Germans have embraced ETF investing at scale. The number of ETF savings plans (Sparplane) in Germany has surpassed 9 million, driven by neo-brokers like Trade Republic and Scalable Capital that made investing accessible with zero or near-zero commissions. Yet despite this boom, most German investors still lack a single view of their total wealth — holdings are scattered across multiple brokerages, retirement accounts, and asset classes with no unified dashboard.

The challenges are structural. Germany's flat-rate capital gains tax (Abgeltungssteuer) simplifies some aspects of investing, but the interaction between the Sparerpauschbetrag allowance, partial tax exemptions on equity funds (Teilfreistellung), and foreign withholding tax credits creates real complexity. For German expats and digital nomads, the picture gets harder still — tax residency rules determine whether Abgeltungssteuer applies at all, and maintaining a German brokerage account from abroad triggers questions about compliance and reporting obligations that most platform dashboards simply ignore.

FlashFi gives German investors a single multi-currency dashboard that tracks portfolios in EUR alongside USD, CHF, GBP, and 30+ other currencies. Whether you hold an ETF savings plan with Trade Republic, a Depot with ING, and US stocks through Interactive Brokers, FlashFi consolidates everything with real-time currency conversion so you always know your true net worth in euros.

Key challenges for Germany investors

Neo-broker fragmentation

The German neo-broker boom has been excellent for lowering costs, but it has also fragmented portfolios. Many investors hold an ETF Sparplan with Trade Republic, individual stocks at Scalable Capital, a legacy Depot at Comdirect or ING, and perhaps an Interactive Brokers account for US markets. Each broker has its own app and reporting, with no way to see your complete portfolio in one place. Rebalancing across accounts or understanding total asset allocation requires manual spreadsheet work.

EUR/USD exposure on US and global investments

German investors are heavily exposed to USD-denominated assets through popular ETFs like the iShares Core MSCI World or Vanguard FTSE All-World, both of which hold predominantly US equities. When the euro weakens against the dollar, these holdings gain value in EUR terms independent of market performance. When the euro strengthens, the reverse occurs. Most German brokerages display everything in euros without showing how much of your return came from currency movement versus actual asset performance.

Abgeltungssteuer and Sparerpauschbetrag tracking

Germany applies a flat 25% tax on capital gains and investment income, plus 5.5% solidarity surcharge and potentially 8-9% church tax, bringing the effective rate to roughly 26.4-28%. The Sparerpauschbetrag allows the first 1,000 EUR of investment income tax-free per person (2,000 EUR for married couples filing jointly). Tracking how much of this allowance has been used across multiple brokerages requires monitoring Freistellungsauftrage at each institution — something no single brokerage dashboard can do for you.

German expats face Wegzugsbesteuerung risk

Germans who leave the country may trigger Wegzugsbesteuerung (exit taxation) on unrealised gains in certain holdings, particularly shares in corporations where they hold 1% or more. Beyond this edge case, German expats must navigate whether their foreign broker reports to German tax authorities, how foreign investment income is taxed in their new country of residence, and whether double taxation agreements provide relief. Tracking holdings across a German Depot and new international accounts in different currencies is a persistent pain point.

How FlashFi helps Germany investors

EUR-Native Dashboard

View your entire portfolio in euros with automatic real-time conversion from USD, CHF, GBP, and 30+ other currencies. FlashFi shows the true euro value of your international holdings at all times, so you always know your net worth in EUR.

Track Every Depot in One Place

Consolidate your Trade Republic Sparplan, Scalable Capital Depot, ING account, and international brokerage holdings into a single dashboard. See total asset allocation, net worth over time, and performance across all accounts at a glance.

No Account Linking Required

FlashFi uses manual portfolio entry, so it works with every German and international broker without sharing login credentials. Trade Republic, Scalable Capital, ING, Comdirect, DKB, Consorsbank, Interactive Brokers, or any other platform — just enter your holdings.

Real-Time FX Impact

See exactly how EUR/USD and EUR/CHF movements affect the euro value of your international holdings. FlashFi separates asset performance from currency impact so you understand where your returns are actually coming from.

Frequently asked questions

Can I track my Trade Republic and Scalable Capital holdings together?

Yes. You can create separate portfolios for each brokerage in FlashFi, or combine them into one. Either way, your total net worth reflects everything across all accounts. Since FlashFi uses manual entry, it works with every German neo-broker and traditional bank Depot.

Does FlashFi show my portfolio in EUR?

Yes. Set EUR as your base currency and FlashFi converts all holdings to euros using live exchange rates. If you hold US stocks or CHF-denominated ETFs, you will see their current euro value alongside your domestic holdings, updated with real-time FX data.

I'm a German expat — can I still use FlashFi?

Absolutely. FlashFi is built for expats and digital nomads. Track your existing German Depot alongside new investments in your country of residence, all in one dashboard. Set your display currency to EUR, your local currency, or switch between them at any time.

How does FlashFi compare to Portfolio Performance or Parqet?

Portfolio Performance is a powerful free desktop tool, but it requires manual FX management and runs only locally. Parqet offers web-based tracking focused on the German market. FlashFi is built specifically for multi-currency portfolios across borders — if you invest in EUR, USD, and other currencies across multiple brokerages, FlashFi gives you live FX conversion and a unified net worth view that works from any device.

Does FlashFi track German-listed ETFs and DAX stocks?

Yes. FlashFi tracks securities listed on XETRA and other German exchanges alongside US, UK, Swiss, and international markets. Enter your ISIN or ticker and FlashFi pulls the latest prices automatically through its market data provider.

By David Brougham