Best portfolio trackers for international investors

What "for cross-border investors" filters out

Most tracker comparisons rank on features that assume one country: local broker connections, a local tax report, a home currency that is also the currency your funds trade in. Living across borders changes which questions are hard, so this list is judged on five of them.

• Historical currency, not today's rate. A contribution made two years ago should keep the value it had that day. Tools that revalue history at the current rate quietly rewrite how much you invested.
• Fund domicile. The same index in a US wrapper and an Irish one is two different after-tax propositions for a non-resident. Why.
• Brokers nobody integrates with. Local and regional brokers rarely appear on any integration list, so a product that only works through connections does not work at all for a large share of international investors.
• A tax residence that changes. The rate that applied when a dividend was paid is the rate that mattered — not the one that applies now.
• What happens to the data. Where it is stored, whether credentials are involved, and how hard it is to leave.

The list at a glance

Plans and prices as published by each vendor on 31 August 2026, in the currency and region their pricing page displayed. All of them change; the links below go to the source.

Sharesight — the default for tax reports and broker automation

Running since 2006 out of Wellington and Sydney, and by its own account used by more than 600,000 investors. It advertises automatic trade import from 200+ brokers, tracking across 60+ markets, and tax reports aligned to specific national systems — the thing you hand to an accountant.

Price: free for 1 portfolio and 10 holdings; Starter $9.33/mo or $7/mo annually for 30 holdings; Standard $24/mo or $18/mo annually for unlimited holdings and 4 portfolios; Premium $31/mo or $23.25/mo annually for 10 portfolios (pricing).

Choose it if you file in a country its reports target, you want trades to arrive without touching a file, or you hold property and crypto alongside listed investments. Watch for: unlimited holdings starts at the $216/year tier, and the tax reports are built around residence in one place rather than a residence that moves. Full comparison.

Snowball Analytics — dividend-first, with a rate you supply

Built around dividend income: a payout calendar, yield and yield-on-cost, dividend ratings, backtests and fundamentals, across 30+ exchanges and 30+ currencies.

Price: free for 1 portfolio and 10 holdings; Starter $9/mo or $79.99/yr for unlimited holdings; Investor $12.50/mo or $149.99/yr for 10 portfolios; Expert $20.83/mo or $249.99/yr for unlimited (pricing).

Choose it if dividend income is the point of the portfolio and you want a calendar and yield analytics around it. Watch for: its withholding handling is a custom rate you enter. That is fine when one rate fits everything you own, and wrong the moment a portfolio mixes fund domiciles — a Treasury fund, an Irish UCITS and a US-domiciled world fund do not share a rate.

Navexa — for the Australian tax return

Capital gains built to ATO rules: myTax-aligned figures on the Australian July–June financial year, the 50% CGT discount applied where it qualifies, and parcel selection strategies (FIFO, LIFO, minimum or maximum gain). Syncs with Australian brokers and supports SMSFs and trusts.

Price: Basic $7.50/mo or $90/yr for 1 portfolio; Standard $10.50/mo or $126/yr for 3; Premium $16/mo or $192/yr for 10; unlimited holdings on every plan (pricing).

Choose it if you are an Australian resident and the annual pain is the return. Watch for: the strength is jurisdiction-specific — an Australian expat who leaves is outside what the product is shaped for. Full comparison.

BorderFolio — contributions, and tax on both sides of the border

Ours. It is built around the two questions the rest of the category treats as reporting problems rather than as the point.

Contributions are an object, not a report. Every purchase is stored as a dated contribution with the price and the commission the statement actually showed, so the split between money you put in and money the market added is a running figure — not something reconstructed each January. On top of that record sit the things that only exist once contributions are first-class: monthly pace, streak and gaps, a custom contribution plan against target allocation and drift, and a milestone trajectory that shows where the current pace leads. Amounts in another currency are converted at the rate on the day of the transaction, so a contribution keeps the size it had when you made it and a currency swing is reported as market movement instead of quietly inflating your savings history.

Cross-border tax is modelled, per instrument, in two steps. The rate withheld at source is resolved from each fund's actual domicile against the tax residence you configure — not one rate typed in and applied to everything — and exemptions are honoured, so a Treasury fund is not taxed like a world equity fund. Tax at home is a separate second step, kept separate on purpose, because collapsing them into one "effective rate" hides which of the two you can do anything about. The same engine compares structures: what an identical index costs you in a US wrapper against an Irish one, at your residence, on your real dividend history. It also tracks the US-situs estate threshold, the line a monthly index buyer crosses in an ordinary month with no warning from any broker.

Portfolios arrive as documents, not connections. An IBKR Activity Statement, a local broker's PDF, a CSV, a plain-text export or a photo of an app screen — positions, purchases, dividends and stated commissions are extracted and shown for review, and nothing is written until you confirm it. A multi-month export rebuilds months of contribution history in one import; overlapping periods are matched and skipped rather than duplicated. There is no supported-broker list to be missing from, and no credentials, API keys or read-only tokens exist anywhere in the product — the uploaded file is deleted within seven days.

Price: free for 1 portfolio, 10 holdings and 3 document imports a month — a real tier, not a trial; Pro $9/mo or $79/yr for 5 portfolios with unlimited holdings and imports, full history and analytics, and the complete cross-border layer (pricing).

Choose it if you live outside the country your funds are domiciled in, if you have moved and the assumptions the portfolio was built on no longer hold, if your broker is on nobody's integration list, or if the contribution record matters to you as much as the return. Watch for: it is the youngest tool here — public since August 2026, built by one person — with no broker sync, no filing-ready tax report for any country, and no individual bonds or treasuries yet.

Kubera — everything you own, not just the portfolio

A net worth tracker rather than a portfolio analyser: banks, brokerages, crypto and DeFi, private stock and LP positions, real estate, vehicles and collectibles, in multiple currencies, with a beneficiary handover feature that delivers the portfolio to the people you name if you go silent.

Price: Essentials $250/yr, Black $2,500/yr, 14-day trial, no free tier (site).

Choose it if the interesting number is total net worth across asset classes a portfolio tracker refuses to model. Watch for: it is not a tax tool and does not set out to be one, and the entry price is several times the rest of this list.

Portfolio Performance — free, local, and the most rigorous of the lot

An open-source desktop application for Windows, macOS and Linux under the Eclipse Public License. It computes true time-weighted return and internal rate of return side by side — the distinction most products flatten into one figure — pulls prices from Yahoo, AlphaVantage, CoinGecko and others, and keeps everything in a local file you can export as CSV or JSON.

Price: free (site).

Choose it if you want analytical depth without a subscription, you would rather your holdings never left your machine, and you do not mind a desktop app with a learning curve. Watch for: the setup effort is real, imports lean towards European brokers, and cross-border tax is something you model yourself rather than something it resolves.

Ghostfolio — open source, your server or theirs

An open-source web tracker for stocks, ETFs and crypto with multiple accounts, net worth dashboards, imports and a REST API. Self-host it and it costs nothing but your time; take the hosted subscription and you skip running the stack.

Price: free self-hosted; hosted Premium from $48/yr (pricing).

Choose it if you want a web interface without handing your data to a company, or you like the idea of an API over your own portfolio. Watch for: self-hosting is a standing maintenance job, and withholding is not modelled against a residence.

A spreadsheet — still the right answer for some portfolios

Free, private, infinitely flexible, and impossible to be locked out of. For a handful of holdings in one currency and one tax system it is not a compromise. It starts costing when history has to be converted at historical rates, when corporate actions break a cost basis, or when the file quietly stops being updated during a busy quarter. The long version, including the three errors nearly every investment spreadsheet contains.

Where all eight stop

Read the eight entries together and a pattern shows up, which is the honest reason this page exists at all.

• Withholding is treated as history or as a constant. Sharesight and Navexa report what a tax year did, which is what a return needs. Snowball applies a rate you type in. Kubera, Ghostfolio and Portfolio Performance record what you enter. None of that answers what the next dividend is worth, on a portfolio that mixes fund domiciles, at the residence you have now — and for a cross-border investor that is a recurring cost, not a filing detail.
• Fund domicile is a label elsewhere, not an input. Several of these will show you where a fund is domiciled; none of them, on their published feature sets, resolves a tax rate from it against your residence. The same index in a US wrapper and an Irish one is two different after-tax propositions for a non-resident, and in most tools they are simply two tickers. What the difference actually is.
• The US-situs estate threshold is missing from every feature list here. USD 60,000 of US-domiciled holdings is a line with real consequences for a non-resident estate, and nothing in this category appears to change state when you cross it. If one of them does and it was missed, say so and this page changes.
• Contributions are a report rather than the spine. Most of these can tell you what you deposited if you ask. Very few are organised around it, which is why pace, streak, gaps and "where does this rate of saving actually lead" tend not to exist.

That gap is what BorderFolio was built for, and it is also why the other seven are on this page: if your problem is an Australian tax return, a property portfolio or a desktop app that never phones home, the gap is not your problem and one of them is the better buy.

What is not on this list, and why

• Empower (formerly Personal Capital) and similar US-only aggregators. Excellent if every account is American; unusable as the primary tool if they are not.
• Broker dashboards. They report the account accurately and cannot report the position — what you contributed across brokers, what a dividend is worth at your residence, what a second broker holds.
• Casual watchlist apps. Fine for prices, not built to hold a contribution history.
• Tools with no published pricing. If a price cannot be checked from a public page, it cannot be put in a table that claims to be checkable.

Choosing, in five questions

1. Do you need a document you can file? Then the answer is Sharesight, or Navexa if that document is Australian. Nothing else here produces one.
2. Is your broker on anyone's integration list? If not, you need a tool that reads statements or accepts manual entry — BorderFolio, Portfolio Performance, Ghostfolio or a spreadsheet.
3. Do you hold funds domiciled outside your country of residence? Then the withholding question is real money every year, and a single user-entered rate will not describe it.
4. Is the interesting number the portfolio or the whole balance sheet? Property, private positions and collectibles point at Kubera.
5. How much maintenance are you actually willing to do? The honest answer decides between free-and-manual and paid-and-automatic more often than any feature does.

Most of these have a free tier or a trial, and running two for a month costs nothing but attention. That is a better test than any comparison table, including this one.