Planafolio - 2026 Pricing, Features, Reviews & Alternatives

Planafolio is a portfolio tracking and retirement planning software for anyone who has lost track of multiple brokerage accounts and wants to finally know whether their wealth will be enough to retire on.

Instead of switching between broker apps and manually adding up numbers, Planafolio consolidates all positions in one place — whether held at Trade Republic, Scalable Capital, comdirect, ING, DKB, Consorsbank, flatex, Interactive Brokers, Trading 212, or Smartbroker. Accounts can be entered manually, imported via CSV/PDF, or synced automatically.

Instead of guesswork, Planafolio delivers real metrics: annualized return (XIRR), time-weighted return (TTWROR), maximum drawdown, and Sharpe ratio — calculated automatically and presented clearly, not just for finance professionals.

At the core is retirement planning: based on age, current wealth, monthly savings rate, and planned retirement age, Planafolio simulates a purchasing-power-adjusted withdrawal phase — including a probability of success, rather than a flat rule of thumb. This makes it clear whether, and for how long, the capital will last in retirement.

Planafolio only has read access to connected accounts — it can never execute trades or move money. Servers and backups are hosted in Germany, and credentials and holdings are stored encrypted. As an independent tool, Planafolio doesn't sell funds, insurance, or any other financial products, and is funded solely through its Pro subscription.

The core of Planafolio is free to use permanently. Planafolio Pro additionally unlocks up to 10 portfolios, CSV import, benchmark comparison, dividend forecasting, and full wealth consolidation for retirement planning — cancellable monthly, with no minimum term.