Free vs Premium Portfolio Tracker: What You Actually Get in Each Plan
TL;DR (In a Nutshell)
- ▸Free ≠ limited: DonkyCapital Free includes CSV import, P&L, performance analysis, allocation analysis and drag & drop dashboards.
- ▸The only plan differences: number of portfolios (1→5→10), transactions (100→500→unlimited), dashboards (3→5→8).
- ▸Choose Free if: you use 1 broker and do fewer than 100 trades/year. It covers everything you need.
- ▸Choose Standard/Premium if: you use multiple brokers, run a regular savings plan, or have a long history to import.
- ▸Start with Free — no credit card needed — and upgrade only when you genuinely need more capacity. Your data is always safe.
When people talk about a "free portfolio tracker" there are two different conversations: the first is about improvised tools (Excel, broker apps, Yahoo Finance watchlists); the second is about plans within a dedicated tool like DonkyCapital.
This guide covers both — with honesty about what DonkyCapital's Free plan actually includes and when it makes sense to move to Standard or Premium.
What Does "Free" Mean in Portfolio Tracking?
Most investors start with improvised tools: a spreadsheet, their broker's app, or a Yahoo Finance watchlist. They are free, but they cost a lot in functionality. Here is the real comparison.
| Feature | Manual / free tools | DonkyCapital Free |
|---|---|---|
| Broker transaction import | ❌ Manual copy-paste | ✅ CSV import from major brokers |
| Portfolio performance analysis | ❌ Only rough gross return | ✅ Built-in performance analysis |
| Detailed P&L per position | ❌ Calculated manually | ✅ Real-time P&L for every asset |
| Allocation analysis by asset class | ❌ Pie chart built in Excel | ✅ Automatic allocation analysis |
| Customisable dashboard | ❌ Fixed layout or none | ✅ Up to 3 drag & drop dashboards |
| Multi-asset (ETF, stocks, crypto) | ⚠️ Often stocks only | ✅ ETF, stocks, crypto, unlisted funds |
| Multi-currency | ❌ Manual conversions | ✅ Native multi-currency support |
| Available on mobile | ⚠️ Broker app only | ✅ Optimised mobile & desktop |
DonkyCapital's Free plan is not a crippled version of a premium product. It includes the core features most investors use every week — without having to build them in a spreadsheet.
What DonkyCapital Free Includes (No Asterisks)
DonkyCapital's free plan is designed to cover the real needs of an investor with a growing portfolio. Here is what you get:
1 consolidated portfolio
One portfolio with up to 100 transactions — more than enough for those just starting out or managing a single broker account.
Import from major brokers
Import your transactions via CSV from Degiro, Scalable Capital, Fineco, Trade Republic, Revolut and others. No manual data entry.
Full performance analysis
Portfolio performance analysis across multiple time periods — not just a rough gross calculation, but structured, readable data.
P&L per position
Real-time profit and loss for every asset in your portfolio. You know exactly where you are making and losing money.
Allocation and risk analysis
Portfolio distribution by asset class, sector and geography — visible without opening Excel.
3 customisable dashboards
Drag and organise widgets however you like. Each dashboard is yours — you can create different views for performance, dividends, or any metric you care about.
DonkyCapital's Free plan already includes everything that most market-free trackers reserve for paid plans: CSV import, P&L, allocation analysis, drag & drop dashboards.
When It Makes Sense to Upgrade to Standard or Premium
The differences between DonkyCapital's plans are simple and honest: more portfolios, more transactions, more dashboards. No key feature hidden behind a paywall.
Free
€0- ▸1 portfolio
- ▸100 transactions
- ▸3 dashboards
Perfect for beginners or investors managing a single broker with low trading frequency
Standard
€5.99/mo- ▸5 portfolios
- ▸500 transactions
- ▸5 dashboards
Ideal for investors using 2–3 brokers or with a savings plan plus a separate trading account
Premium
€9.99/mo- ▸10 portfolios
- ▸Unlimited
- ▸8 dashboards
For active investors, multi-broker portfolios, or long transaction histories
All analytics features — CSV import, P&L, performance analysis, allocation — are identical across all plans. The only differences are capacity: portfolios, transactions and dashboards.
Which Plan Is Right for You
The choice between Free, Standard and Premium depends on your portfolio's complexity — not on feature quality, which is identical across all plans.
You use 1 broker and do fewer than 100 trades/year
The Free plan covers everything. Broker import, P&L, performance, allocation — no feature limitations, only a transaction count cap.
You use 2 or more separate brokers
With the Standard plan you can create separate portfolios per broker and have a consolidated view of your entire wealth.
You run a monthly savings plan plus an active trading account
A 12-contribution savings plan plus a few trades easily exceeds 100 transactions. Standard or Premium gives you the room you need.
You have a long transaction history to import
If you are migrating from Excel with years of trades, the Premium plan with unlimited transactions is the right choice so you lose nothing.
You manage portfolios for separate goals
FIRE, property, pension — each goal can have its own portfolio and dedicated dashboard. Standard and Premium make this easy.
You want separate dashboards for different themes or metrics
With 5 or 8 dashboards you have room to organise your view however you want: one for performance, one for dividends, one for asset class.
When Free Is More Than Enough
Before thinking about an upgrade, ask yourself whether your actual trading activity truly exceeds the Free plan limits. For many individual investors, the answer is no.
- •You manage a single portfolio with one broker and make fewer than 10 trades per month
- •You are just starting to invest and want to test portfolio tracking before committing to more complexity
- •You have an automated savings plan with few additional manual trades
- •You prefer a single consolidated view rather than splitting across multiple portfolios
There is no rush to upgrade. Start with Free, use the product, and move to Standard or Premium only when you genuinely need more capacity. Your data is never lost when you switch plans.
Frequently Asked Questions
Does DonkyCapital Free really include CSV import?
Yes. CSV import from major brokers (Degiro, Scalable, Fineco, Trade Republic, Revolut and others) is available on all plans, including Free. It is not a premium-only feature.
What happens when I reach the 100-transaction limit on the Free plan?
When you hit the plan limit you can upgrade to Standard (500 transactions) or Premium (unlimited). Existing transactions are preserved — you lose no data.
Can I use multiple brokers on the Free plan?
The Free plan includes 1 portfolio. You can still import transactions from different brokers into the same portfolio for a consolidated view. For separate portfolios per broker you need Standard or Premium.
Does the Free plan require a credit card?
No. The Free plan is completely free and requires no credit card. You can sign up and start immediately. You can upgrade at any time if your needs change.
Are the analytics features identical across all plans?
Yes. Performance analysis, P&L, allocation analysis, CSV import and customisable dashboards are available on all plans. Differences between plans are purely about quantity: portfolios, transactions and dashboards.
Can I upgrade at any time?
Yes. You can upgrade from Free to Standard or Premium at any time without losing data. The switch is instant and all transactions and dashboards created on the previous plan remain available.
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