BorderFolio/BorderFolio vs Navexa
BorderFolio vs Navexa
Last reviewed 31 August 2026
Navexa answers an Australian question well: what did this portfolio realise, and what goes on the tax return. BorderFolio answers a cross-border one: how much of the balance is money you put in, and what a dividend is worth after being taxed once where the fund lives and again where you do. This page sets both out, including where Navexa is the better buy.
The short version
Navexa is built around Australian tax reporting. Its capital gains engine works to ATO rules — parcel selection strategies, the 50% CGT discount, a myTax-aligned report on a July-to-June financial year — and it syncs with Australian brokers.
BorderFolio is built around the opposite situation: an investor whose money, residence and fund domiciles are in different countries, where the interesting question is not the local CGT parcel method but how much of the balance is contributions and what a dividend survives on its way across two tax systems.
If you are an Australian resident filing an Australian return, that difference is decisive, and it points at Navexa.
Plans and prices
| BorderFolio | Navexa | |
|---|---|---|
| Free tier | 1 portfolio, 10 holdings, 3 document imports a month | Trial only |
| Entry paid tier | Pro — $9/mo or $79/year, 5 portfolios, unlimited holdings | Basic — $7.50/mo or $90/year, 1 portfolio (extra portfolios $2/mo), unlimited holdings |
| Middle tier | — | Standard — $10.50/mo or $126/year, up to 3 portfolios |
| Top tier | — | Premium — $16/mo or $192/year, up to 10 portfolios |
Navexa's entry plan is cheaper per month and lifts the holdings cap immediately, which BorderFolio's free tier does not. On an annual basis with several portfolios the order reverses — $79 for five against $126 for three — but if what you want is one portfolio with unlimited holdings at the lowest monthly price, Navexa Basic is the cheaper answer and it would be silly to pretend otherwise.
Where Navexa is the better tool
- Australian tax reporting. ATO myTax-aligned figures, capital gains on the Australian financial year, the CGT discount applied where it qualifies, and parcel selection strategies — FIFO, LIFO, minimum or maximum gain. BorderFolio has no equivalent for any country and does not aim to.
- Broker sync for Australian platforms. Trades arrive without a file. BorderFolio has no broker connection at all.
- Unlimited holdings on the cheapest paid plan, as above.
- Structures. SMSFs and trusts alongside personal portfolios, which is a real and specific need this product does not address.
Where BorderFolio is different
- Two tax steps, per instrument. Withheld at source from the fund's domicile against your residence, then taxed at home — including for a fund you are considering and for the residence you are moving to. The model.
- Fund domicile as a tracked fact. The same index in a US and an Irish wrapper is two different after-tax propositions for a non-resident. What changes.
- The US-situs estate threshold, which a long-term index buyer crosses in an ordinary month with no warning from anyone.
- Contributions as a first-class object — dated, separated from market growth, with pace, streak, gaps and a milestone trajectory. What that looks like.
- Any broker on earth, because the input is a document rather than an integration — a PDF, CSV, text export or a photo of an app screen.
- No credentials, ever. No brokerage integration exists in the product, so nothing capable of reaching your account is stored. Details.
Which to choose
Choose Navexa if you are an Australian resident whose main annual pain is the tax return, if your brokers are on its sync list, if you run an SMSF or a trust, or if you want unlimited holdings for the lowest monthly price.
Choose BorderFolio if you live in one country and hold funds domiciled in another, if you want to know what each dividend is worth after both tax steps rather than what was realised last financial year, if the contribution record matters as much as the return, or if your broker is not on anyone's integration list.
An Australian resident who also holds US-domiciled ETFs is a genuine both-products case — one for the return, one for the cross-border layer. The free tier here needs no card.