Portfolio management · Spanish taxes
Your portfolio and yourSpanish taxes, in one place
Equities, ETFs, funds, crypto, fixed income and real estate, consolidated in your base currency. With dividend tracking and an income-tax estimate under Spanish rules.
No card · Free plan, permanently
Two-step verification and passkeys
Sign in with fingerprint, face or PIN, or with your authenticator app. Your password is stored hashed.
Your data is isolated
Each user sees only their own portfolio. We never sell or share your data with third parties.
You can take it with you
Export your portfolio and dividends to CSV, and download everything as JSON. Free, with no lock-in.
No card to get started
The free plan never expires and asks for no payment details. And you can cancel PRO at any time.
Capabilities
Built for the long-term investor
Consolidated net worth, rigorously measured returns, dividend management, long-term planning and Spanish taxes. All in one place.
Your whole net worth, in one view
Stocks, ETFs, funds, crypto, fixed income, real estate, robo-advisors and cash — consolidated in your currency at live FX, with each position keeping its own.
Net worth is computed as assets minus debt, so mortgages and their amortization are subtracted automatically. Your primary residence counts toward net worth but is excluded from the investment metrics, so it cannot distort them. Privacy mode hides every amount with a single click when sharing your screen.
Returns measured rigorously
Money-weighted IRR (XIRR) using your real contribution dates and its figure net of inflation, realized P&L, and the indices overlaid with your same money.
Complete dividend management
Tax-net yield on cost, an ex-dividend and payment-date calendar, income seasonality, a company-by-month matrix, and the monthly income your portfolio generates.
Real estate, with its metrics
Rentals with their tenants, collections, expenses and mortgage — fixed, or variable tracking Euribor, with its tranches and prepayments.
With the metrics that determine whether the deal stands up: NOI, cap rate, cash-on-cash and DSCR, plus a rate-stress test (+1, +2 and +3 points) to assess your margin against rate rises. The IRR incorporates purchase, rents and expenses, not just appreciation, so it reflects the property’s effective return. It also covers private loans, real-estate crowdfunding, and an estimate of the rental income tax.
Tax estimates are for guidance only and do not constitute tax advice or replace the AEAT draft.
Spanish taxation, calculated
FIFO capital gains, the two-month rule identifying non-deductible losses, and the savings base with its cross-offset.
It accounts for losses carried forward up to four years, the savings-base tiers and international double taxation resolved per country, applying withholding rates for some 80 countries automatically. The result is a draft with the modelo 100 boxes and full traceability of each figure, plus a modelo 720 reminder for securities held abroad.
Tax estimates are for guidance only and do not constitute tax advice or replace the AEAT draft.
Planning through to retirement
A projection with periodic contributions and a success probability, safe withdrawal rate, Monte Carlo, an age-based glidepath and rebalancing with new money — no selling, no tax.
Supported assets
Every asset type, in one portfolio
Stocks, ETFs, funds, crypto, fixed income, real estate, robo-advisors and cash, each with the right pricing model.
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Stocks
LiveLive price, with dividends, splits, EPS, P/E, payout, country and sector auto-detected.
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ETFs & funds
Look-throughWith look-through: split into their real countries and sectors, not as a single box. With their TER.
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Crypto
LiveLive pricing, no API key and nothing to set up. Import your Kraken history from a CSV.
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Fixed income
To maturityListed bonds at market price, or bills and bonds held to maturity accruing from price to face value.
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Real estate
Full moduleThree modes: investment rental, private loan or real-estate crowdfunding, and the home you live in.
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Robo-advisors
ETF roll-upIndexa Capital and similar: rolled up from their underlying ETFs, which are also looked through.
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Cash
Interest-bearingA balance in any of 166 currencies, optionally remunerated: paying out interest or compounding it.
The application
A look inside
Real screenshots from the application, unretouched.
01
Your portfolio’s real return
Invested, current value, total return and the money-weighted IRR (XIRR) with the real figure net of inflation. Plus week, month and year performance, netting out contributions and withdrawals.
Start free 02
Compared against the reference indices
The area between contributed capital and market value is your profit: green when you gain, red when underwater. Overlay MSCI World or S&P 500 and see your volatility, drawdown, Sharpe, Sortino and beta.
Start free
03
From dividends to financial independence
Your monthly dividend "salary", progress toward your target and a year-by-year projection reinvesting dividends and contributions, with taxes and withholding at source included.
Start free
04
Real diversification, with fund look-through
Break your portfolio down by asset type, country, sector and currency. Funds and ETFs are split into their underlying holdings (look-through), not treated as a single box.
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The full catalog
Everything Finzolio includes
The complete catalog, feature by feature. No small print: this is everything the application does.
Only what is marked PRO needs the paid plan. Everything else you get for free, capped at 5 positions and 3 watchlist items.
Portfolio & returns
- Invested, current value and today’s move, in your base currency
- Total return: unrealized gains + realized sales + dividends received
- Money-weighted annual return (XIRR), and its real figure net of inflation
- Net worth = assets − debt, subtracting mortgages and their amortization
- Week, month and year-to-date performance, netting out contributions and withdrawals
- Evolution: contributed capital vs market value, in red when you are underwater
- Benchmarks: MSCI World, S&P 500, Nasdaq 100 and emerging markets, with your money and dates
- Positions table with live price, weight, day change and an account filter
Advanced analysis
- Risk: annual volatility, max drawdown, Sharpe, Sortino and beta (1Y / 3Y / Max)
- Concentration: largest position, Top 3, effective positions and the HHI index with a rating
- Attribution: what adds to and what drags on your return, plus today’s movers
- Diversification by asset type, country, sector and currency, with fund look-through
- Fees: your funds’ TER drag and its opportunity cost compounded over time
- Asset-vs-currency effect: how much you gained from the asset and how much from FX
Assets & positions
- Entry by average price or by lots: each buy and sell with its date, price and fees
- Ticker and crypto search: type the name and it resolves the symbol for you
- Automatic metadata: currency, country, sector, REIT/SOCIMI, and dividend months & frequency
- Average-price (BEP) simulator: “now vs after”, and how much the price must rise to break even
- A target price, with an alert when the market reaches it
- Fund the purchase from a cash account and keep your liquidity consistent
- Corporate actions: splits, reverse splits, scrip dividends and ticker changes
- High-frequency payers (monthly, weekly, daily) with a fixed amount and cadence
Dividend suite
- Current yield and yield on cost, gross and net of tax
- Payment log: import your full history in one click, with no duplicates
- Confirm the pending dividends detected, one by one or all at once
- Income by year with its growth, and payment seasonality month by month
- A calendar of upcoming ex-dividend and pay dates, with the estimated net
- The monthly income your dividends generate, and your progress toward financial independence
- Company × month matrix, weight by asset, sector and country, and return with vs without dividends
Spanish taxes
- Realized gains and losses by FIFO, with fees correctly attributed PRO
- The two-month rule: flags the losses the tax office will not let you take PRO
- Estimated savings base: cross-offset (up to 25%), tiers and 4-year loss carry-forward PRO
- International double taxation and withholding at source, with defaults for ~80 countries PRO
- Your own withholding rules, overriding each country’s default PRO
- A draft with the modelo 100 boxes and a modelo 720 reminder PRO
- Estimated rental income tax per property and total brokerage fees paid PRO
Real estate
- Purchase, successive valuations or a modeled appreciation (linear or compound)
- Tenants and rents: calendar, increases (total, last, average annual vs CPI) and occupancy
- Collections and expenses, one-off or recurring (taxes, community, works…), debited from your cash
- Fixed or variable mortgage (Euribor + spread), with tranches, prepayments and LTV
- Underwriting: NOI, cap rate, cash-on-cash and DSCR with a rate-stress test (+1/+2/+3)
- Rental IRR, including purchase, rents and expenses — not just appreciation
- Loans and crowdfunding (Wecity, Urbanitae…): interest, capital returned, maturity and default
- Your own home, owned or rented: it counts toward net worth, kept out of investment metrics
- Sale: breakdown (proceeds − costs − debt) and the realized result, archived as history
Plan your future
- Wealth projection: monthly contribution, return, horizon, fees and inflation
- Its real value in today’s money, optimistic and pessimistic scenarios, and a success probability
- Whether you are on track toward your target, and the monthly contribution you would need if not
- Retirement: safe withdrawal rate (SWR) and the monthly income your capital sustains
- Monte Carlo (parametric or historical) with guardrails and FX exposure
- Age-based glidepath: shifts equity into bonds as you age (conservative, classic or aggressive)
- Target allocation by type, sector and country, with the drift and the action to correct it
- Rebalance by contribution: new money goes to what is underweight, with no selling and no tax
Your year in review
- Per-year summary: net contributed, gross and net dividends, capital gains and fees PRO
- The year’s estimated tax, and your return against the index year by year PRO
- A year-by-year comparison chart, with toggleable series and an optional log scale PRO
- Printable and exportable to PDF PRO
Watchlist & alerts
- Watchlist: track candidates you do not own yet, with price, P/E, payout, EPS and gross yield
- Fair value via the revised Graham formula, with its upside against the price
- Signals for an unsustainable payout and a very high yield (a possible value trap)
- Alerts for a target price reached, ex-dividend today or in N days, and a watchlist target hit
- Portfolio alerts: a notable drop today or this week, and drift from your target allocation
- A notice when a property’s mortgage is finally paid off
- Snooze (7 or 30 days) or dismiss each alert; they come back on their own if things change
Market data & currencies
- Live market prices for stocks, funds and crypto, with no API key and nothing to set up
- Live FX rates and 166 ISO currencies as your base; each position keeps its own
- A resilient cache: if a source fails, your portfolio stays up and prices do not flicker
- Sub-unit normalization (GBp → GBP) and a guard against split-skewed moves
- Fund and ETF look-through from a built-in catalog, with overridable weights
- A daily snapshot of your portfolio value, for exact period returns without recomputing everything
- Automatic price refresh, and a manual refresh on demand
Accounts, import & backups
- Group by account: broker, pension plan, exchange, bank or other
- Filter your portfolio by account, or see everything consolidated
- Import CSV from DEGIRO (by ISIN), Interactive Brokers and Kraken, with lots and fees PRO
- Re-import without fear: repeated rows are de-duplicated automatically PRO
- Export your portfolio and your dividends to CSV
- Export your sales and the annual tax summary PRO
- Back up all of your data to a single JSON file, and restore from it
- A public read-only link to share your portfolio, hiding the amounts if you prefer
Security & experience
- Email and a hashed password, with your data isolated from every other user
- Two-step verification (2FA/TOTP) with your authenticator app
- Passkeys (WebAuthn): sign in with fingerprint, face or PIN instead of typing a code
- Investment journal: note your buy thesis or the reason for a sale, and reread it with perspective
- Privacy mode: hide every amount so you can share your screen without revealing your wealth
- A full Spanish and English interface, light and dark theme, and a glossary of terms
- Installable as an app (PWA), with an optimistic interface: changes show instantly
Tax estimates are for guidance only and do not constitute tax advice or replace the AEAT draft.
Why Finzolio
What sets us apart
The product decisions that separate us from a spreadsheet or a generic equities app.
01
Built for Spain
It estimates your income tax under the applicable rules: mandatory FIFO, the two-month rule, cross-offset, per-country double taxation and the modelo 100 boxes.
02
Genuinely multi-asset
Equities, property, fixed income, crypto and cash in one view, each with its own valuation model. No asset is forced into an equity’s shape.
03
Real look-through
Effective exposure by country and sector, computed by looking inside your funds, ETFs and robo-advisors. And if the weights do not match your view, you can override them.
04
Real estate treated seriously
A variable mortgage referenced to Euribor, DSCR with rate stress, and an IRR incorporating rents and expenses, not just appreciation — a level of detail rarely found in a portfolio manager.
05
Returns without flattery
Money-weighted XIRR computed over your actual contribution dates and net of inflation, rather than the simple percentage gain any spreadsheet reports.
06
Privacy first
Per-user data isolation, two-step verification and passkeys, a privacy mode to hide amounts, and a full export of your data whenever you need it.
Free tools
Free calculators, no sign-up
Use the same calculation engine as the application, with no account. When you want to keep the results, register your portfolio free of charge.
Dividend calculator
Calculate your annual dividend income, yield on cost and estimated monthly "salary", free and without sign-up.
Compound interest calculator
Project your wealth with periodic contributions (DCA), annual return and the effect of long-term compounding.
Annualized return calculator (XIRR)
Calculate your money-weighted annualized return (XIRR/IRR) accounting for the real dates of your contributions.
Average-down calculator
Simulate how your average price (break-even) changes when buying more shares and how much the price must rise to recover.
Pricing
Start free. Move to PRO when you need it
On the free plan you use almost the whole app, capped at 5 positions. It never expires and asks for no card. PRO lifts the cap and adds the tax module, with no commitment.
Free
€0 /mo
forever
Start freeIncludes, for nothing:
- Every asset type: stocks, ETFs, funds, crypto, fixed income, real estate, robo-advisors and cash
- Your full portfolio history, and unlimited accounts
- Returns, IRR (XIRR), risk, benchmarks and look-through diversification
- The entire dividend suite, with your financial-independence projection
- The whole Plan module, the investment journal, the watchlist and the alerts
- Export your portfolio and dividends, and download your backup
PRO
Most popular€9.99 /mo
or €99.90/yr — roughly 2 months free
Go PROEverything in Free, plus:
- Unlimited positions and watchlist: track your whole portfolio, not just a sample
- The tax module: FIFO, the two-month rule, modelo 100, modelo 720 and withholding rules
- CSV import from your broker (DEGIRO, IBKR and Kraken)
- Your year in review, with the year-by-year comparison
- Export of your sales and the annual tax summary
- Unlimited manual price refresh
Exactly what changes between Free and PRO
No surprises: these are the free plan’s limits and what PRO lifts.
| Free plan | PRO |
|---|---|
| Up to 5 positions | Unlimited positions |
| Up to 3 watchlist items | Unlimited watchlist |
| One manual price refresh per day | Unlimited manual refresh |
| No tax module | The full tax module: Spanish income tax, modelo 100, modelo 720 and withholding rules |
| No broker import | CSV import from DEGIRO, IBKR and Kraken |
| No “Year in review” | Your year in review, with the year-by-year comparison |
Limits never break the app: when you hit one you get a notice, not an error.
VAT applied per your country. Cancel any time from your account.
Tax estimates are for guidance only and do not constitute tax advice or replace the AEAT draft.
Frequently asked
Frequently asked questions
What assets can I add?
Stocks, ETFs, funds, crypto, real estate, robo-advisors, cash and fixed income (T-bills and bonds).
Does it really calculate my income tax?
It gives you a guidance estimate of your savings base and a draft with the modelo 100 boxes. It is not tax advice and does not replace the AEAT draft.
Is it useful if I do not live in Spain?
Yes, as a portfolio and dividend manager. The detailed tax part is Spain-specific: set your country and you will see a neutral summary.
Can I import from my broker?
Yes, by CSV from DEGIRO (resolving by ISIN), Interactive Brokers and Kraken. Positions and lots with their fees are created for you, and if you re-import the same file the repeated rows are de-duplicated. Import is a PRO feature.
How much does it cost?
Getting started is free and never expires. PRO costs €9.99/mo or €99.90/yr, which is roughly two months free versus paying monthly. No commitment: cancel whenever you want.
What do I get on the free plan?
Practically the whole app, capped at 5 positions and 3 watchlist items. You get every asset type (real estate, crypto and fixed income included), the full history, the dividend suite, the Plan module, the journal and the exports. No card, no expiry. PRO lifts the caps and adds the tax module, broker import and “Year in review”.
How safe is my data?
Your password is stored hashed and your data is isolated from every other user’s. You can enable two-step verification (2FA) or sign in with a passkey (fingerprint, face or PIN). And you can download everything as a JSON file whenever you like.
Can I track my property too?
Yes, and with its real numbers: tenants, collections, expenses and mortgage (fixed, or variable tracking Euribor), with NOI, cap rate, cash-on-cash, DSCR and an IRR that includes the rents, not just appreciation. Also private loans and real-estate crowdfunding, and the home you live in. It is a PRO feature.
Start measuring your portfolio properly
Your portfolio, your dividends and your taxes, consolidated from day one. No card, no commitment.
Create a free accountNo card · Free plan, permanently