How to Track Your DEGIRO Portfolio in 2026 (Full Guide)

DEGIRO's app shows you what your portfolio is worth right now and whether you're up or down against what you paid. Then it stops. To actually track your DEGIRO portfolio in 2026, you export your transaction history as a CSV and import it into a dedicated tracker, which then calculates the numbers DEGIRO leaves out: true total return, dividend income, and allocation by sector and country. Here is the full workflow, step by step, plus the monthly routine that keeps it current.

This matters more in 2026 than it used to, and not for the reason you'd expect. DEGIRO still has no public API, so nothing can log in and sync your account for you. Every accurate tracking method starts with a file you export yourself.

Why DEGIRO's own overview isn't enough

DEGIRO is a fine place to buy shares cheaply. It was never built to be your reporting layer. The portfolio overview tells you the market value of each position and an unrealized profit or loss figure. Useful at a glance, incomplete as a record.

Here's what it doesn't tell you:

• Your real total return. DEGIRO's gain figure ignores dividends you've already banked and the timing of your deposits. A portfolio that received 800 euros in dividends over two years looks flat in DEGIRO if the share prices haven't moved, even though you're clearly ahead.
• Time-weighted return. If you added 5,000 euros in March and the market rose in April, DEGIRO can't separate your stock picks from the lucky timing of that deposit. Proper performance measurement can. We cover the mechanics in the DEGIRO portfolio analyzer guide.
• Allocation you can act on. DEGIRO lists your holdings. It doesn't show that 62% of your money sits in US tech, or that three positions make up half your portfolio.
• A dividend calendar. No forecast of what's coming, no monthly income view, no yield on cost.

Laid out side by side, the difference is stark:

The gap has always been there. What changed is that DEGIRO's reporting got thinner for new clients, not richer, as the platform simplified its account structure and moved new sign-ups onto the Basic profile. If you want the full picture, you build it yourself. The good news is it takes about ten minutes to set up.

The tracking workflow in four steps

Here's the whole process before we break it down:

1. Export your transaction history from DEGIRO as a CSV.
2. Import that CSV into a portfolio tracker.
3. Let the tracker pull live prices and dividends automatically.
4. Re-export and re-import once a month to stay current.

That's it. No API keys, no bank-grade account linking, no passwords handed to a third party. Just a file that you own.

Step 1: Export your DEGIRO CSV

Log in to the DEGIRO web platform rather than the mobile app, since the export lives there. Open Activity, then Transactions. Set the date range to cover your entire history if this is your first import, all the way back to your first trade. Then click the export icon and choose CSV.

You'll get a file with one row per transaction: date, product, ISIN, quantity, price, currency, and the fees. DEGIRO also offers an Account statement export that includes cash movements and dividends, which some trackers use to reconcile income. If you're not sure which your tracker wants, grab both. DEGIRO's own reports overview explains what each file contains.

One tip that saves headaches later: export in English if your account language allows it. Column headers in Dutch or German can confuse some importers, though the better trackers handle every DEGIRO locale.

Step 2: Import the file into a tracker

Upload the CSV to your portfolio tracker. A tool built around DEGIRO reads the file directly, matches each ISIN to the right security, converts foreign-currency trades into your base currency, and reconstructs every position from your buys and sells. A 40-trade history that would take an afternoon to type into a spreadsheet lands in about three minutes.

This is the step where a spreadsheet falls apart. You can paste a DEGIRO CSV into Google Sheets, but then you're writing formulas for cost basis, currency conversion, and dividend matching by hand, and one deleted row corrupts the lot. Plenty of investors have made exactly that switch. If it sounds familiar, the story in why I stopped using spreadsheets to track my portfolio will feel like a mirror.

Zune.Money is built for this exact import. Drop in your DEGIRO CSV and your total return, dividend history, and allocation breakdown appear on one dashboard. You can see the whole flow on the DEGIRO portfolio tracker page, and the free tier covers real tracking, not a locked demo.

A few import snags come up often, and all of them are quick to fix. If a position shows the wrong quantity, you probably exported a partial date range, so re-export from your very first trade. If a foreign holding shows an odd cost basis, check that your base currency is set correctly, since DEGIRO records the trade in the local currency of the exchange. And if a stock fails to match, it's almost always a delisted ticker or a recent ISIN change, which you can map manually once and never touch again.

Step 3: Read the metrics that matter

Once your data is in, resist the urge to stare at the daily number. These four views tell you more:

• Total return, including dividends. This is the figure DEGIRO hides. It answers the only question that counts: across everything you've put in and taken out, are you actually ahead?
• Allocation by sector and country. Concentration risk is invisible until you chart it. If your "diversified" portfolio is 70% one sector, you want to know before the market tells you.
• Dividend income by month. A calendar of what's landed and what's coming turns a vague sense of passive income into a real number you can plan around.
• Cost drag. DEGIRO's fees are low, but currency conversion and connectivity charges add up. Our breakdown of DEGIRO's 2026 fees shows where the euros actually go.

New to all of this? The beginner's guide to portfolio tracking walks through what each metric means and why it beats staring at a single profit-or-loss line.

Step 4: The monthly routine

Set a recurring reminder for the first weekend of each month. The routine takes five minutes: log in to DEGIRO, export the latest transactions, import the new file. Prices and dividends update automatically in a proper tracker, so you're only ever adding the handful of trades since last time.

Monthly is the sweet spot for a long-term investor. Weekly is overkill unless you trade often, and quarterly lets dividends and rebalancing drift out of view. Pick a cadence and put it in the calendar, because the tracking that actually happens is the tracking that's scheduled.

What changed for DEGIRO investors in 2026

Three shifts are worth knowing about, because they change how you should think about your own records.

The EU banned payment for order flow in June 2026. DEGIRO previously ran PFOF for its German clients only. That practice is now gone across the bloc, which is a win for execution transparency. It doesn't change your tracking workflow, but it's one more reason your own records beat relying on a broker's built-in view, which shifts with regulation.

The annual report still arrives late. DEGIRO uploads your annual tax overview to the platform around late February or early March for most countries, and closer to late June or early July for UK clients. If you're doing a January portfolio review, that document won't exist yet. A live tracker gives you a year-end snapshot the moment the year ends, no waiting.

No API, still. Every so often a rumor circulates that DEGIRO is about to open an API. As of 2026, it hasn't, and there's no announced timeline. The CSV export remains the official, supported way to get your data out, which is exactly why the export-and-import workflow above is the durable method rather than a stopgap.

The honest trade-off

Automatic broker syncing, the kind Trade Republic or a US brokerage might offer, is more convenient than a monthly CSV. If effortless syncing is your top priority, that gap is real, and it's fair to weigh it.

For most DEGIRO investors, though, the CSV method wins on the things that matter more than convenience: your data isn't tied to a login that can break, you never share broker credentials, and a clean export works forever regardless of what DEGIRO changes next. Five minutes a month buys you a complete, portable record of your investing life. That's a good trade.

Export your DEGIRO CSV, import it once, and you'll see your real portfolio, dividends and total return included, in about three minutes. It's free to try, and your first import tends to be the moment the numbers finally make sense.