Degiro Portfolio Analyzer: See Your True Returns

A degiro portfolio analyzer pulls your full transaction history, current prices, and dividend payments into one view so you can see your real total return, not just the gain-against-cost number Degiro shows. Degiro's built-in overview is fine for a quick glance. It just stops well short of the metrics that tell you how your money is actually doing.

This guide covers what Degiro's overview shows versus what it hides, the numbers that matter for a proper analysis, and a step-by-step way to export your Degiro data and run that analysis yourself.

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What Degiro's Portfolio Overview Actually Shows

Open the Degiro app and you get three things: your current portfolio value, a list of positions, and an unrealized profit or loss for each holding measured against its purchase cost. That's the whole picture.

It answers one question well: what are my holdings worth right now? For a buy-and-hold investor checking in once a week, that's often enough to feel reassured.

The problem starts when you ask anything harder. How did I actually perform last year after dividends? Is my US exposure too high? How much of my "gain" is just the dollar moving against the euro? Degiro's overview has no answer, because it was never built to give one. Degiro is a low-cost execution platform, and it's a genuinely good one. Visualization and analysis simply aren't its job. (If you want the full picture on what Degiro costs you, our breakdown of Degiro's 2026 fees goes line by line.)

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What Degiro Hides (and Why It Matters)

Here's what the native overview leaves out, and why each gap is worth closing.

True total return. Degiro's gain figure ignores dividends you've received, and it doesn't account for the timing of your deposits. If you added €5,000 in January and another €5,000 in November, a naive percentage gain treats both as if they'd been invested the whole year. Your real return is different, sometimes by a lot.

Dividend income over time. Degiro records dividends as cash entries in your account statement, but it won't total them by month or year, forecast upcoming payments, or show your yield on cost. For dividend investors, that's the entire point of the strategy going untracked.

Currency drag. A US stock can rise 10% in dollars while your euro return is flat, because EUR/USD moved against you. Degiro shows the position value in euros but never isolates how much of your result came from the stock versus the exchange rate. We've written about how the euro-dollar swing quietly reshapes returns if you want to see the effect in numbers.

Real allocation. Degiro lists positions but doesn't roll them up by sector, country, or asset class. You can hold what feels like a diversified portfolio and still be 60% in US tech without realizing it until a correction makes it obvious.

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The Metrics a Proper Analysis Needs

If you're going to analyze a Degiro portfolio seriously, these are the numbers to look at.

Total return, including dividends

Price gain plus dividends received plus any other income, measured against what you put in. This is the honest answer to "how am I doing." A portfolio up 4% on price but paying a 3% dividend yield had a much better year than the price chart suggests.

Time-weighted vs money-weighted return

These two return figures answer different questions, and serious investors track both.

• Time-weighted return (TWR) strips out the effect of your deposit timing. It tells you how good your investment choices were, which is also how funds report performance so you can compare fairly.
• Money-weighted return (XIRR) factors in when and how much you invested. It's your personal euro outcome, and it rewards or punishes your timing. Investopedia has a clear explainer on the difference between money-weighted and time-weighted returns if you want the math.

A big gap between your TWR and XIRR usually means your timing helped or hurt you. That's a useful thing to know about yourself.

Allocation by sector and country

A breakdown that groups every holding into buckets. The goal isn't a number, it's a gut check: are you as diversified as you think? Most people are more concentrated than they assume.

Currency exposure

What share of your portfolio sits in USD, EUR, GBP, and so on, plus how much of your return came from FX rather than the underlying assets.

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How to Analyze Your Degiro Portfolio: Step by Step

Because Degiro has no public API, no tracker can auto-connect to your account. The workflow is export, then import. It takes a few minutes once.

1. Log in to the Degiro web platform. The desktop site exports cleaner files than the mobile app.
2. Open Activity, then Transactions. Set the date range to cover your entire investing history, from your first trade to today. Don't default to the last 30 days.
3. Export the Transactions CSV. This file holds every buy and sell with dates, quantities, prices, and fees. It's the backbone of any return calculation.
4. Export the Account statement too. This captures dividends, deposits, withdrawals, and currency conversions, which your transaction file alone won't fully reflect.
5. Import both into a portfolio analyzer. A Degiro-aware tool reads the column format directly, matches each row to the right security, and reconstructs your positions over time.
6. Review the rebuilt portfolio. Check total return, the dividend timeline, and your allocation charts. Spot-check a couple of positions against Degiro to confirm the import matched correctly.

One honest caveat: the more you trade, the harder accurate reconstruction gets, because Degiro doesn't disclose every internal detail in its exports. For buy-and-hold and monthly-contribution investors, the rebuild is usually spot on. Very active traders should expect small discrepancies on edge cases.

If the export-import dance sounds like the kind of thing that lands you back in a spreadsheet, it doesn't have to. We covered why spreadsheets fall apart for portfolio tracking and what to use instead.

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Degiro Built-In vs a Dedicated Analyzer

The pattern is clear. Degiro answers "what is it worth," and a proper analyzer answers "how is it doing." You need both, and they live in different tools.

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Where Zune.Money Fits

Zune.Money is built Degiro-first. You upload the CSV you just exported, and it reconstructs your portfolio with total return, a dividend timeline, allocation by sector and country, and a benchmark comparison against the S&P 500. The free tier is a real analyzer, not a locked demo, so you can see your actual numbers before deciding anything.

If you're weighing brokers as well as trackers, our Trade Republic vs Degiro comparison for 2026 covers the trade-offs, and dividend-focused investors can start with our roundup of the best dividend trackers in Europe. When you're ready to see the real picture, the Degiro portfolio tracker walks through the import in about three minutes.

Degiro tells you what your portfolio is worth today. A degiro portfolio analyzer tells you whether it's actually working. The gap between those two answers is where most of the useful decisions hide.

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This article is for informational purposes and is not financial advice. Tax treatment of dividends and capital gains varies by country, so consult a tax advisor for your situation. Past performance does not guarantee future results.