My growth portfolio
$18,420/ $25K milestone
74% there·~7 mo at your pace
Cost basis: $17,360
True return
+6.1%
Income
$31/mo
Yield
2.0%
Tax & domicile intelligence
The tax nobody shows you.
Every tracker shows your gains. None show what the US quietly withholds on your dividends — under your country's rules, not generic US assumptions.
- Residence-aware withholding — pick your country, see your real effective rate
- UCITS analog for every US fund, with break-even on the switch
- Estate-tax trajectory — know the year you cross the $60K threshold
Withholding leak
UAE$243/ year avoidable
Lost to US withholding you could keep. Compounds to $10,660 over 20 years.
Current · 30% withheld$486 / yr
UCITS-optimized · 15%$243 / yr
US estate thresholdOver threshold
Monthly investment plan
Know exactly what to buy next month.
A personalized plan, not a list of options. See the allocation, the income impact — then press Apply.
To invest this month
$5,000
Milestone impact+60 days closer
$1,750 of $5,000 bought · 35%
Asset
Allocation
Amount
Income / mo
VXUS
30%
$1,500
+$3.75/mo
VOO
15%
$750
+$0.79/mo
Cash
5%
$250
—
Accumulating · Default plan
Why these funds
VT
The whole world in one fund — 9,000+ stocks at a 0.07% expense ratio.
VXUS
Ex-US diversification — keeps you from betting everything on one market.
VOO
US large-cap core at a 0.03% expense ratio.
Cash
Dry powder — keeps next month's plan flexible.
Everything in one place
Built for the road to independence.
Tax & domicile intelligence
See what US withholding and fund domicile cost you — under your country's rules. Most trackers ignore this entirely.
Path to your goal
A live estimate of months to your next milestone — and how each contribution moves the date.
True return
Performance with your deposits stripped out. A growing balance isn't the same as a portfolio that earns.
Dividend forecast & calendar
Twelve months of expected payouts, per ticker. A metric, not a strategy.
Works with 25+ exchanges across the Americas, Europe & Asia-Pacific — upload a screenshot, PDF, CSV, or plain text from any broker.
Contribution tracking
Every share you buy. Always accounted for.
Log contributions as you invest. Track cost basis, see how much you've put in, and watch your income compound over time.
- Monthly chart of every dollar you put in
- Streak and consistency stats from your real history
- Cost basis per position — know exactly what you paid
- Works with any broker — screenshot, PDF, CSV, or text
Invested in 2026
$6,800
highest May · avg $850/mo
avg $850
J
F
M
A
M
J
J
A
S
O
N
D
Month streak
8
Active months
8
Avg / month
$850
Monthly snapshots
YTD growth
+$2,140
Portfolio
$18,420
Contributed
$850
Growth
+$412
vs last month
Aug 2026 Live$18,420+2.3%
Jul 2026$17,158+1.9%
Jun 2026$15,990+1.6%
Portfolio · 2026
Portfolio snapshots
Watch your income compound.
Every month, BorderFolio captures a snapshot of your portfolio. See exactly how your income and value have grown — not just where you are today.
- Monthly snapshots captured automatically — no manual entry
- Income growth rate: see how fast your dividends are compounding
- Portfolio value history with year-over-year comparison
- Investment consistency score based on your contribution history
Mobile app
Your income.
Always
with you.
Check dividends, track payouts, and watch your monthly income grow — right from your pocket.
- Dividend calendar with push notifications
- Monthly income at a glance
- Track progress toward your income goal
- Add contributions on the go
Milestone planner
How fast can you get there?
At your average pace, your next milestone is about 7 months away. Two honest ways to move the date.
Baseline
Stay the course
Keep investing at your average pace with no changes.
~7 months
to your next milestone
Add capital
Add $500/mo
Raise your monthly contribution and let compounding do the rest.
~2 months earlier
reach it in about 5 months
Recommended
Optimize tax
Switch your core holding to an accumulating UCITS fund and stop leaking withholding tax.
~0.4%/yr recovered
compounds every year after
How it works
Start in 2 minutes.
1
Upload your portfolio
Drop in anything from any broker — a screenshot, PDF, CSV, or plain text. Takes under a minute.
2
We compute your real numbers
True return net of contributions, monthly income, and the tax drag under your residency rules.
3
Track and grow it
Set your goal and follow the honest path that gets you there fastest.