---
description: Review of Planafolio Software: system overview, features, price and cost information. Get free demos and compare to similar programs on Software Advice New Zealand.
image: https://gdm-localsites-assets-gfprod.imgix.net/images/software_advice/og_logo-55146305bbe7b450bea05c18e9be9c9a.png
title: Planafolio | Reviews, Pricing & Demos - SoftwareAdvice NZ
---

Breadcrumb: [Home](/) > [Financial Reporting Software](/directory/1904/financial-reporting/software) > [Planafolio](/software/560112/Planafolio)

# Planafolio

Canonical: https://www.softwareadvice.co.nz/software/560112/Planafolio

> Planafolio is a portfolio tracking and retirement planning platform built for investors who hold accounts across multiple brokers and want a straight answer to one question: will this be enough to retire on?

Rather than logging into separate broker apps and manually reconciling numbers, Planafolio consolidates every account into a single view — supporting brokers such as Trade Republic, Scalable Capital, comdirect, ING, DKB, Consorsbank, flatex, Interactive Brokers, Trading 212, and Smartbroker. Holdings can be added manually, imported via CSV or PDF, or synced automatically, keeping prices, cost basis, and gains/losses per position always up to date.

On top of consolidated holdings, Planafolio calculates the metrics that actually matter for long-term investors: annualized return (XIRR), time-weighted return (TTWROR), maximum drawdown, and Sharpe ratio. These are computed automatically and explained in plain language, so users don't need a finance background to understand their own performance.

The platform's core differentiator is its retirement planning module. Using a user's age, current wealth, monthly savings rate, and target retirement age, Planafolio runs a purchasing-power-adjusted withdrawal simulation and returns a probability of success — a more realistic approach than static rules of thumb like the "4% rule." Users can adjust assumptions and immediately see how their capital trajectory and probability of running out of money change.

Security and independence are core to the product design. Planafolio has read-only access to connected accounts and can never execute trades or move funds. All servers and backups are hosted in Germany, and stored data — including credentials and holdings — is encrypted. Unlike advisors or many competing tools, Planafolio does not sell funds, insurance, or any other financial products; revenue comes exclusively from subscriptions, which keeps the tool's incentives aligned with the user rather than a sales pipeline.

Planafolio's core functionality — account consolidation, performance metrics, and basic retirement projections — is free to use indefinitely. The Pro tier adds support for up to 10 portfolios, CSV import, benchmark comparisons, dividend forecasting, and full wealth consolidation for retirement planning, billed monthly with no long-term commitment.
> 
> Verdict: Rated \*\*\*\* by 0 users. Top-rated for **Overall Quality**.

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## About the vendor

- **Company**: Planafolio

## Commercial Context

- **Starting Price**: €0.00
- **Pricing model**: Flat Rate (Free version available) (Free Trial)
- **Target Audience**: Self Employed
- **Deployment & Platforms**: Cloud, SaaS, Web-based, Android (Mobile), iPhone (Mobile)
- **Supported Languages**: English, German
- **Available Countries**: Germany, Switzerland

## Features

- API
- Activity Dashboard
- Cash Flow Management
- Customisable Reports
- Dashboard
- Data Import/Export
- Data Visualisation
- Financial Analysis
- For Investors & Traders
- Reporting/Analytics
- Self-Service Reporting

## Support Options

- Email/Help Desk
- FAQs/Forum
- Knowledge Base
- Chat

## Category

- [Financial Reporting Software](https://www.softwareadvice.co.nz/directory/1904/financial-reporting/software)

## Links

- [View on SoftwareAdvice](https://www.softwareadvice.co.nz/software/560112/Planafolio)

## This page is available in the following languages

| Locale | URL |
| en | <https://www.softwareadvice.com/product/560112-Planafolio/> |
| en-AU | <https://www.softwareadvice.com.au/software/560112/Planafolio> |
| en-GB | <https://www.softwareadvice.co.uk/software/560112/Planafolio> |
| en-IE | <https://www.softwareadvice.ie/software/560112/Planafolio> |
| en-NZ | <https://www.softwareadvice.co.nz/software/560112/Planafolio> |

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