# Turbobulls

> Portfolio & dividend tracker with end-to-end encryption. Track investments, expenses & net worth across US, EU & global markets. Auto-import dividends, multi-currency support. Private, no ads.

Turbobulls is a portfolio and net-worth tracker for investors holding several brokers and several currencies. Transactions are encrypted on the device before they are stored, so the servers hold ciphertext and the product cannot read a portfolio it is tracking. Imports are file-based for that reason: you download a file from your broker and upload it, rather than connecting an account.

## Pricing

- [Pricing as markdown](https://www.turbobulls.com/pricing.md): The live plan table built from the same source the pricing page renders from, so a quoted price is the current one.

## Features

- [All Features](https://www.turbobulls.com/features): Explore all the tools that make Turbobulls powerful
- [Portfolio Tracker](https://www.turbobulls.com/features/portfolio-tracker): Every position, broker, and currency in one accurate view
- [Dividend Tracker](https://www.turbobulls.com/features/dividend-tracker): Track dividends across all your investments automatically
- [Budget Tracker](https://www.turbobulls.com/features/budget-tracker): Private envelope budgeting next to your investments
- [Expense Tracker](https://www.turbobulls.com/features/expense-tracker): Monitor expenses and categorize spending effortlessly
- [Net Worth Tracker](https://www.turbobulls.com/features/net-worth-tracker): Investments, cash, salary and debt in one figure over time
- [Multi-Currency](https://www.turbobulls.com/features/multi-currency-portfolio): Manage portfolios in multiple currencies with live rates
- [Security & Privacy](https://www.turbobulls.com/features/encrypted-portfolio-tracker): How end-to-end encryption keeps your portfolio unreadable to us

## Calculators

Free, no signup, and they run in the browser without sending the figures anywhere.

- [All calculators](https://www.turbobulls.com/tools)
- [Net Worth Calculator](https://www.turbobulls.com/tools/net-worth-calculator): Everything you own minus everything you owe, with rows for the pension and the property that most people leave out.
- [FIRE Calculator](https://www.turbobulls.com/tools/fire-calculator): Your target and your timeline, built from what you spend and what you save.
- [Savings by Age Calculator](https://www.turbobulls.com/tools/savings-targets-by-age): The salary-multiple benchmarks alongside a target from your own spending, so you can see where the two disagree.

## Help centre

Guides and metric explainers, worked in full. 55 articles.

- [Asset Allocation by Age: What the Rules Really Mean](https://www.turbobulls.com/help/article/asset-allocation-by-age): The 100-minus-your-age rule, where it came from, and what it misses for European investors.
- [Best Portfolio Tracker for European Investors in 2026](https://www.turbobulls.com/help/article/best-portfolio-tracker-european-investors): European investors face unique challenges: multi-currency holdings, multiple exchanges, and fragmented brokers.
- [Best Portfolio Tracker for UK Investors](https://www.turbobulls.com/help/article/best-portfolio-tracker-uk-investors): What UK investors actually need from a tracker: GBP cost basis, ISA and SIPP kept apart, and US holdings whose returns move with the exchange rate.
- [Best Portfolio Tracker for US Investors](https://www.turbobulls.com/help/article/best-portfolio-tracker-us-investors): What US investors should look for in a tracker, where the sync-everything model costs you, and an honest account of where we fit and where we do not.
- [Capital Gains Tax Basics for Investors](https://www.turbobulls.com/help/article/capital-gains-tax-basics): What actually triggers capital gains tax, how the gain is calculated, why currency movements can be taxable, and the records you need to keep.
- [Cash Allocation Explained: Are You Holding Too Much or Too Little Cash?](https://www.turbobulls.com/help/article/cash-allocation-explained): Cash allocation is a 0-100 score for how close your cash holdings are to a healthy target.
- [Cash Runway Explained: How Many Months Could You Survive Without Income?](https://www.turbobulls.com/help/article/cash-runway-explained): Cash runway is how long your liquid cash would cover expenses if income stopped today.
- [Consolidate Multiple Brokerage Accounts: A Checklist](https://www.turbobulls.com/help/article/consolidating-brokerage-accounts-guide): A checklist for bringing several brokerage accounts into one view, without transferring a single position.
- [Cost Efficiency Explained: How Much of Your Gains Actually Survive?](https://www.turbobulls.com/help/article/cost-efficiency-explained): Cost efficiency measures the share of your investment gains that survives fees and taxes.
- [Currency Gain Explained: How Much of Your Return Came From FX, Not the Asset?](https://www.turbobulls.com/help/article/currency-gain-explained): Currency gain isolates the FX-driven portion of your investment returns.
- [Dividend Withholding Tax Explained](https://www.turbobulls.com/help/article/dividend-withholding-tax-explained): Why your dividend arrives smaller than announced, which part of the tax you can actually reduce, and which part is buried inside your funds.
- [Dollar-Cost Averaging vs Lump Sum: What the Math Says](https://www.turbobulls.com/help/article/dca-vs-lump-sum): Lump sum beats dollar-cost averaging about two thirds of the time.
- [FI Progress Explained: How Close Are You to Financial Independence?](https://www.turbobulls.com/help/article/fi-progress-explained): FI Progress measures how close your net worth is to the 4% rule's financial independence number.
- [Financial Health Score Explained: The 12-Dimension Composite That Grades Your Money](https://www.turbobulls.com/help/article/financial-health-score-explained): The Financial Health Score is a 0-100 grade across 12 dimensions of money management.
- [FIRE Calculator: When Can You Retire?](https://www.turbobulls.com/help/article/fire-calculator): Two numbers decide it: what you spend, and what share of your income you keep.
- [Free vs Paid Portfolio Trackers: When to Upgrade](https://www.turbobulls.com/help/article/free-vs-paid-portfolio-trackers): Free means four different business models, and which one you are using decides what you pay with.
- [Growth Rate (CAGR) Explained: The One Yearly Number That Summarises Everything](https://www.turbobulls.com/help/article/growth-rate-cagr-explained): CAGR is the equivalent annual interest rate that would have grown your starting net worth into today's.
- [How Much Should You Have Saved by 30, 40, 50?](https://www.turbobulls.com/help/article/savings-targets-by-age): The salary-multiple benchmarks, where they come from, and why multiples of your annual spending are a better yardstick than multiples of your pay.
- [How to Read Your Brokerage Statement](https://www.turbobulls.com/help/article/read-brokerage-statement): Which section answers which question, the three places a statement quietly disagrees with reality, and which document you should download and keep.
- [How to Rebalance Your Portfolio (and How Often)](https://www.turbobulls.com/help/article/how-to-rebalance-portfolio): Calendar, threshold, or hybrid rebalancing, what each actually costs, and how to correct drift with new contributions instead of selling your winners.
- [How to Start Investing With EUR 1,000 (or Less)](https://www.turbobulls.com/help/article/start-investing-1000): The three things that come before your first trade, why costs behave differently at this size, and what a EUR 1,000 portfolio is actually for.
- [How to Track Dividends: Complete Guide for 2026](https://www.turbobulls.com/help/article/how-to-track-dividends-guide): Learn how to track dividends effectively, compare manual vs automatic tracking methods, and discover what to look for in a dividend tracker that actually works.
- [How We Compare Your Portfolio to Its Benchmark](https://www.turbobulls.com/help/article/portfolio-benchmark-comparison-turbobulls): Understanding our fair and accurate portfolio performance comparison methodology
- [Import Interactive Brokers into Turbobulls](https://www.turbobulls.com/help/article/import-interactive-brokers): Export a Flex Query or Activity Statement from Interactive Brokers and import it in a couple of minutes.
- [Import XTB into Turbobulls](https://www.turbobulls.com/help/article/import-xtb): Export your XTB account history from xStation and import the workbook directly.
- [Income Stability Explained: How Predictable Is Your Paycheck?](https://www.turbobulls.com/help/article/income-stability-explained): Income stability is a 0-100 score for how predictable your income is across periods.
- [Index Funds vs ETFs: What Matters in Europe](https://www.turbobulls.com/help/article/index-funds-vs-etfs): Most guides answer this for US investors.
- [Installing Turbobulls on Desktop and Mobile](https://www.turbobulls.com/help/article/install-turbobulls-desktop-mobile): A quick guide to installing Turbobulls as an app on your desktop or mobile device for faster access, offline use, and enhanced privacy.
- [Lifetime ROI Explained: How Has All Your Invested Capital Performed?](https://www.turbobulls.com/help/article/lifetime-roi-explained): Lifetime ROI is the return on all capital you've ever deployed - including positions you've since sold.
- [Maximum Drawdown Explained: How to Calculate the Worst Drop You Have Lived Through](https://www.turbobulls.com/help/article/max-drawdown-explained): Maximum drawdown (max drawdown, or MDD) is the largest fall from a previous peak to a later low, as a percentage.
- [MOIC Explained: How to Calculate It, and What 1.42x Means](https://www.turbobulls.com/help/article/moic-explained): How to calculate MOIC (Multiple on Invested Capital): the formula, a worked example, what 1.42x actually means, and how the multiple differs from MWR and ROI.
- [Momentum Explained: Is Your Wealth-Building Speeding Up or Slowing Down?](https://www.turbobulls.com/help/article/momentum-explained): Momentum measures whether your wealth velocity is accelerating or decelerating.
- [Multi-Currency Investing: A Complete Guide](https://www.turbobulls.com/help/article/multi-currency-investing-guide): The currency your fund is priced in is not your currency exposure.
- [Net Worth: How to Calculate and Track It](https://www.turbobulls.com/help/article/net-worth-calculator): Net worth is everything you own minus everything you owe.
- [Open Win Rate Explained: How Many of Your Bets Are Currently Winning?](https://www.turbobulls.com/help/article/open-win-rate-explained): Open Win Rate is the share of your currently-open positions that are profitable.
- [Portfolio Drift Explained: How to Measure It](https://www.turbobulls.com/help/article/portfolio-drift-explained): Drift is the gap between the allocation you chose and the one you have now.
- [Portfolio Performance Decoded: Stop Guessing, Start Knowing](https://www.turbobulls.com/help/article/portfolio-performance-metrics-guide-turbobulls): Your returns are telling you a story, but are you listening?
- [Realized vs Unrealized Gains: The Difference Between Paper Profit and Real Money](https://www.turbobulls.com/help/article/realized-vs-unrealized-gains-explained): Realized gains are profits locked in by selling.
- [Return Volatility Explained: How Steady or Jumpy Are Your Returns?](https://www.turbobulls.com/help/article/return-volatility-explained): Return volatility measures how much your annualised return has swung around its own average - the same dispersion that sits under the Sharpe ratio.
- [ROI (Open) Explained: How Are Your Current Holdings Actually Doing?](https://www.turbobulls.com/help/article/roi-open-explained): ROI (open) measures the return on the capital you currently have invested.
- [Savings Rate Explained: The Most Important Financial Number You're Ignoring](https://www.turbobulls.com/help/article/savings-rate-explained): Savings rate is the share of your income you keep each month.
- [Sharesight Alternatives: How to Choose One](https://www.turbobulls.com/help/article/sharesight-alternatives-2027): Most people looking for a Sharesight alternative have hit a tier, not a wall.
- [Sharpe Ratio Explained: Are You Being Paid Enough for the Risk?](https://www.turbobulls.com/help/article/sharpe-ratio-explained): Understand the Sharpe ratio in plain English.
- [Should I Invest or Pay Off Debt First?](https://www.turbobulls.com/help/article/invest-vs-pay-off-debt): Paying debt is a guaranteed return; investing is a probable one.
- [Stock Splits Explained: What Happens to Your Shares](https://www.turbobulls.com/help/article/stock-splits-explained): A split gives you more shares at a lower price and changes nothing about what you own.
- [Tax-Loss Harvesting Explained for EU Investors](https://www.turbobulls.com/help/article/tax-loss-harvesting-explained): How harvesting losses against gains works, a worked example in euros, and why the US wash-sale advice you keep reading may not apply where you live.
- [The 4% Rule: A Guide to Safe Withdrawal Rates](https://www.turbobulls.com/help/article/4-percent-rule-complete-guide): What the 4% rule says, why its creator revised it upward, the 25x target it implies, and the assumptions that may not match your retirement.
- [Time in the Market vs Timing the Market](https://www.turbobulls.com/help/article/time-in-market-vs-timing): Market timing needs two correct calls, not one.
- [Turbobulls vs Personal Capital (Empower)](https://www.turbobulls.com/help/article/turbobulls-vs-personal-capital): Empower is US-only, so for most readers this is not a choice between two tools.
- [TWR vs MWR: Time-Weighted vs Money-Weighted Return Explained](https://www.turbobulls.com/help/article/money-weighted-vs-time-weighted-return): Time-weighted return measures the investments; money-weighted return (also called dollar-weighted return, or IRR) measures your timing too.
- [Wealth Velocity Explained: How Fast Is Your Net Worth Really Moving?](https://www.turbobulls.com/help/article/wealth-velocity-explained): Wealth velocity is the average dollars per day your net worth is changing.
- [What Is a Portfolio? Investing 101](https://www.turbobulls.com/help/article/what-is-a-portfolio): A portfolio is not the list on your broker screen.
- [Why End-to-End Encryption Matters for Your Financial Data](https://www.turbobulls.com/help/article/why-encryption-matters-financial-data): Most portfolio trackers can see your holdings, balances, and transactions.
- [Year-End Checklist for Investors](https://www.turbobulls.com/help/article/year-end-tax-checklist-investors): What to review before your tax year closes: realized gains, unrealized losses, dividend withholding, currency gains, and whether your cost basis holds up.
- [Your Data, Your Device, Your Business](https://www.turbobulls.com/help/article/security-and-data-encryption): We can't see your financial data - and we like it that way.