Best Portfolio Tracker for Portugal Investors

One dashboard for your EUR, USD, and global holdings — built for expats and investors navigating Portugal's international investment landscape.

Why tracking investments in Portugal is different

Portugal has become one of Europe's most attractive destinations for international investors, digital nomads, and retirees. The country's Non-Habitual Resident (NHR) tax regime — introduced in 2009 and modified in 2024 — drew tens of thousands of foreign residents who brought their investment portfolios with them. Lisbon and Porto now host thriving communities of internationally-minded investors who hold assets across European, American, and emerging markets. Between DEGIRO, Interactive Brokers, local options like Banco Invest and BiG, and newer platforms like Trading 212 and XTB, Portugal-based investors routinely manage positions across multiple brokerages and multiple currencies.

The core challenge for investors in Portugal is multi-currency complexity. While daily life runs in euros, many expats and digital nomads earn in USD or GBP and hold investments denominated in those currencies alongside EUR-based European ETFs and funds. The D7 passive income visa and the Digital Nomad Visa have brought a wave of residents whose financial lives span two or more countries and currencies. Tracking the true EUR value of a portfolio that includes US stocks, UK pension holdings, and European index funds requires constant FX awareness that most brokerage dashboards simply do not provide.

FlashFi is a multi-currency portfolio tracker that consolidates everything into a single view. It gives Portugal-based investors a dashboard that shows every account and every currency with live FX rates and net worth tracking in EUR or any other base currency. No bank linking, no credential sharing — just a private, unified tracker that works with every brokerage in Portugal and internationally.

Key challenges for Portugal investors

Multi-currency exposure across EUR, USD, and GBP

Portugal-based investors frequently hold assets in multiple currencies. An American expat on a D7 visa might hold a US brokerage account in USD, European ETFs in EUR, and a UK pension in GBP. The euro's movements against the dollar and pound directly affect real purchasing power, but most platforms only report in one currency at a time. Without live multi-currency tracking, you cannot see your true net worth in the currency you spend day to day.

Fragmented accounts across local and international brokerages

It is common for someone living in Portugal to hold accounts on DEGIRO for European ETFs, Interactive Brokers for US equities, a Trading 212 account for individual stocks, and perhaps a legacy brokerage account from their home country. Each platform has its own dashboard, its own reporting currency, and no awareness of the others. Consolidating this into a single portfolio view requires manual effort that grows with every new account.

NHR tax regime changes create uncertainty

The NHR regime that made Portugal famous among expat investors was substantially modified in 2024, with the new Incentivised Tax Regime (IFP) replacing it for new applicants. Existing NHR beneficiaries retain their status for the full 10-year period, creating a two-track system. Understanding which tax rules apply to your investment income — and how they interact with your home country's tax treaties — requires knowing exactly what you hold and where it is domiciled.

Home-country pension and investment tracking

Many expats in Portugal maintain pensions and investment accounts in their country of origin — UK SIPPs, US 401(k)s and IRAs, or Australian superannuation funds. These accounts sit outside any Portuguese brokerage dashboard and are often denominated in a different currency. Tracking their value alongside local holdings is essential for understanding total net worth but impossible without a tool designed for cross-border portfolios.

How FlashFi helps Portugal 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 know the true euro value of your global holdings, whether you earn in dollars, pounds, or a mix.

Unified Net Worth View

Track your DEGIRO account, Interactive Brokers holdings, Trading 212 positions, home-country pensions, and cash savings in a single dashboard. One number, fully up to date, across every account you own regardless of where it is domiciled.

No Account Linking Required

FlashFi uses manual portfolio tracking, so you never share bank credentials or grant API access to any brokerage. This works with every platform available in Portugal and internationally — including home-country pensions and legacy accounts that no aggregator can access.

Real-Time FX Impact

See exactly how EUR/USD, EUR/GBP, and other exchange rate movements affect the value of your international holdings. FlashFi separates asset performance from currency impact so you know whether your portfolio moved because the market changed or because the euro did.

Frequently asked questions

Can I track my home-country pension in FlashFi?

Yes. You can add your UK SIPP, US IRA or 401(k), or any other pension as a separate portfolio in FlashFi. Since tracking is manual, it works with any account regardless of where it is held. Your pension balance is included in your total net worth calculation alongside your Portuguese and international brokerage accounts.

Does FlashFi work with DEGIRO and Interactive Brokers?

FlashFi works with every brokerage because it uses manual portfolio entry rather than account linking. You enter your DEGIRO, Interactive Brokers, or any other holdings directly, and FlashFi pulls the latest prices and FX rates automatically. No API keys or credentials are required.

Can I see my portfolio in EUR?

Yes. You can set EUR as your base currency and see every holding across every account converted to euros using real-time exchange rates. If you want to view your portfolio in USD, GBP, or any other currency, you can switch at any time without losing any data.

Is FlashFi useful for NHR beneficiaries?

FlashFi is valuable for any investor in Portugal regardless of tax status. For NHR and IFP beneficiaries specifically, seeing a clear breakdown of your holdings by country of domicile and currency helps you understand which assets fall under which tax treatment. FlashFi does not provide tax advice, but it gives you the data you need when working with a tax professional.

How is FlashFi different from using a spreadsheet?

A spreadsheet requires you to manually look up prices and exchange rates every time you want an updated view. FlashFi pulls live market prices and FX rates automatically, tracks your net worth over time with historical charts, and presents everything in a clean dashboard. It does in seconds what a spreadsheet takes hours to maintain.

By David Brougham