# Zune.Money > Zune.Money (zune.money) is a portfolio tracker for European retail investors. It is purpose-built for Degiro users but supports any broker via manual entry. Track holdings, dividends, performance, and asset allocation with clarity — no spreadsheets needed. ## About - **Target audience:** European retail investors, primarily Degiro users - **Import method:** CSV export from Degiro — no broker login or API key required - **Data:** Holdings, dividends, performance history, allocation (sector, country, asset class) - **Privacy:** GDPR compliant, data hosted in Europe, never sold or shared - **Supported languages:** English, Dutch, German, French, Spanish, Italian, Portuguese ## Pricing - **Free tier:** After the introductory period, an account stays free and tracks up to 10 holdings with performance history, dividend tracking and allocation. It does not expire and no card is ever required. - **7 days of full access on signup:** Creating an account at /signup unlocks every Pro feature for 7 days with no payment card. When the 7 days end the account drops to the free tier rather than being locked out. - **Pro:** Removes the 10-holding cap and adds full performance history, dividend forecasting, the advanced allocation breakdown and data export. Export produces a single JSON file; there is no CSV or PDF export. Current prices: https://www.zune.money/pricing - **Paid trial (optional):** Starting Pro from /pricing or /start-trial opens a 7-day Stripe trial that does require a card and charges automatically unless cancelled before it ends. The signup trial above is a separate path: it needs no card and never charges. ## Key Pages - [Home](https://www.zune.money/): Portfolio tracker overview and sign-up - [Pricing](https://www.zune.money/pricing): Pro plan pricing, free-tier limits and trial terms - [Tools](https://www.zune.money/tools): Index of all five free tools, with guidance on which one answers which question. ## Alternatives & comparisons Honest, first-hand comparisons. Each page names where the competitor genuinely wins. - [getquin alternative](https://www.zune.money/getquin-alternative): Zune.Money vs getquin. Zune.Money imports a Degiro CSV and needs no bank login or Open Banking; it has no social feed, so your portfolio stays private. getquin is the better pick if you want its 500,000-member investor community or broad automatic Open Banking sync. getquin has no CSV import and no data export. - [Delta Investment Tracker alternative](https://www.zune.money/delta-investment-tracker-alternative): Zune.Money vs Delta (Delta by eToro). Zune.Money is an independent, web-first tracker for stock and ETF investors, with dedicated dividend tracking and Degiro CSV import (no passcode sharing). Delta is owned by eToro, mobile-first, and crypto-first; it is the better pick for crypto/NFT tracking and broad multi-asset coverage. Delta's free tier caps at 10 assets. - [Snowball Analytics alternative](https://www.zune.money/snowball-analytics-alternative): Zune.Money vs Snowball Analytics. Zune.Money is Degiro-first, multilingual (7 languages), CSV-first with no third-party data aggregators, and calmer by design. Snowball Analytics is English-only and syncs via Yodlee/Plaid/SnapTrade, but has best-in-class dividend forecasting, DRIP modelling, and backtesting. Both free tiers cap at 10 holdings; Zune.Money adds 7 days of full Pro access on signup with no card. ## Tools All five are free, need no account, and are listed at https://www.zune.money/tools. - [Dividend Calculator](https://www.zune.money/dividend-calculator): Calculate annual dividend income and yield from any stock, then project how reinvesting those dividends compounds your holdings over time. - [Stock Comparison Tool](https://www.zune.money/stock-comparison-tool): Compare up to four stocks side by side on price, dividend yield, P/E ratio, market capitalisation and 52-week range. - [Retirement Savings Calculator](https://www.zune.money/retirement-savings-calculator): Estimate how much you need to save for retirement. - [Portfolio Growth Simulator](https://www.zune.money/portfolio-growth-simulator): Simulate portfolio growth with different contribution and return scenarios. - [Degiro Portfolio Tracker](https://www.zune.money/degiro-portfolio-tracker): Dedicated page for Degiro investors — CSV import guide and feature breakdown. ## Blog - [AI Bubble Fears: How Exposed Is Your Portfolio?](https://www.zune.money/blog/ai-bubble-portfolio-exposure): A $20bn gap in OpenAI's revenue hit AI stocks on 8 October. How to measure your real AI bubble exposure across stocks and ETFs, with a worked euro example. - [French Debt Crisis: What It Means for Your Portfolio](https://www.zune.money/blog/french-debt-crisis-portfolio): France now borrows at higher rates than Italy and the euro sits at a 17-month low. How the French debt crisis reaches your bond ETF, US stocks and returns. - [How to Analyze Your Portfolio With ChatGPT (Safely)](https://www.zune.money/blog/analyze-portfolio-with-chatgpt): Analyze your portfolio with ChatGPT without trusting wrong numbers: the 6 ways it fails, a safe workflow for Degiro investors and 5 prompts that work. - [Eurozone Inflation by Country and Your Real Return](https://www.zune.money/blog/eurozone-inflation-real-return): Euro area inflation hit 3.8% in September 2026, but Spain ran 5.0% and the Netherlands 3.0%. One ECB rate, seven real returns. Work out yours in 4 steps. - [Tax-Free Investment Accounts in Europe: 2026 Country Guide](https://www.zune.money/blog/tax-free-investment-accounts-europe): Spain created a tax-free investment account and lost it in 48 hours. Germany's opens in January. Each country's option, and what it means for DEGIRO users. - [ETF Overlap: How Much Mag 7 Is in Your Portfolio?](https://www.zune.money/blog/etf-overlap-magnificent-7-exposure): Seven US companies are 23.6% of the MSCI World. Add an S&P 500 ETF and it gets worse. How to measure your real ETF overlap in 5 steps, with 2026 data. - [Dutch Stocks to Watch: A Guide for DEGIRO Investors](https://www.zune.money/blog/dutch-stocks-to-watch): Dutch stocks sorted by type, from ASML and the AEX large caps to chip equipment and small caps, and how DEGIRO investors should judge each one. - [How to Track Portfolio Performance the Right Way](https://www.zune.money/blog/portfolio-performance-tracker): Most retail investors measure portfolio performance wrong. Learn time-weighted vs money-weighted return, and how a portfolio performance tracker fixes it. - [Rebalancing Your Portfolio at Record Highs (2026)](https://www.zune.money/blog/portfolio-rebalancing): How to rebalance your portfolio after the STOXX 600 and DAX hit record highs in 2026, without triggering a tax bill. A practical guide for European investors. - [How to Track Your DEGIRO Portfolio in 2026 (Full Guide)](https://www.zune.money/blog/how-to-track-degiro-portfolio): DEGIRO shows current value and stops. Here's how to track your DEGIRO portfolio properly in 2026: export the CSV, import it, and watch the metrics that matter. - [Trade Republic IPO Access: What Investors Need to Know](https://www.zune.money/blog/trade-republic-ipo-access): Trade Republic now gives EU retail investors direct IPO allocation. Here's how it works, the real risks, and how to size a position sensibly. - [Degiro Portfolio Analyzer: See Your True Returns](https://www.zune.money/blog/degiro-portfolio-analyzer): Degiro shows current value and gain/loss, then stops. Here's how a degiro portfolio analyzer reveals your real total return, dividends, and allocation. - [Best Broker Cash Rates in Europe After the ECB Hike](https://www.zune.money/blog/broker-cash-interest-rates-europe): Cash interest at Trade Republic, DEGIRO and other European brokers after the ECB hike: who pays the most on idle cash, and where yours should sit. - [US-Iran Deal: What It Means for Your Stocks and Oil](https://www.zune.money/blog/us-iran-deal-2026-stock-market-impact): The US-Iran deal sent the S&P 500 near a record and oil down nearly 5%. Here's what it means for energy stocks, your portfolio, and European investors in 2026. - [How to Buy SpaceX Stock (SPCX) in Europe](https://www.zune.money/blog/how-to-buy-spacex-stock-spcx-europe): SpaceX listed on Nasdaq as SPCX in June 2026. How to buy it from Europe on Trade Republic, DEGIRO and other brokers, what each charges, and the risks. - [ECB Rate Hike June 2026: What It Means for Your Portfolio](https://www.zune.money/blog/ecb-rate-hike-2026-what-it-means-for-your-portfolio): The ECB raised rates to 2.25% on 11 June 2026 — the first hike since 2023. What the decision means for your bonds, dividend stocks, and eurozone portfolio, explained. - [European AI Stocks 2026: The Infrastructure Rally](https://www.zune.money/blog/european-ai-stocks-2026-infrastructure-rally): European AI stocks are up 100–189% YTD in 2026. ASML, Nokia, Aixtron lead the hardware rally. What retail investors on Degiro should know before buying in. - [Dividend Withholding Tax in Europe: What Every Investor Needs to Know (2026)](https://www.zune.money/blog/dividend-withholding-tax-europe-guide): Getting dividends from US or European stocks? Here's what withholding tax is, how much is deducted by country, and whether you can reclaim it. - [Trade Republic vs Degiro 2026: Which Broker to Choose?](https://www.zune.money/blog/trade-republic-vs-degiro): Trade Republic charges €1 per trade and pays 2% interest on cash. Degiro has 5,000+ ETFs and 50+ exchanges. Here's which broker fits your investing style. - [Best Sharesight Alternative for European Investors (2026)](https://www.zune.money/blog/sharesight-alternative-europe): Sharesight is popular but expensive and awkward for Degiro users. These are the best sharesight alternatives for European retail investors in 2026. - [Box 3: Netherlands' Wealth Tax Ruled Unconstitutional](https://www.zune.money/blog/box-3-netherlands-wealth-tax-drama): Box 3 was ruled unconstitutional in 2021. Then the fix was illegal too. The government tried to raise it anyway. Here's the full story. - [Best Dividend Tracker for European Investors (2026)](https://www.zune.money/blog/best-dividend-tracker-europe): Top dividend trackers for European investors compared. See which handles Degiro CSV imports, multi-currency payouts, and dividend calendars best in 2026. - [I Stopped Using Spreadsheets to Track My Portfolio — Here's What Changed](https://www.zune.money/blog/stopped-using-spreadsheets-portfolio-tracker): After years of wrestling with Excel formulas and broken pivot tables, I switched to a dedicated portfolio tracker. Here's what I gained, what I lost, and whether it was worth it. - [Your Portfolio Is Down — But Is It Really? How to Read Your Returns When the Euro Is Surging](https://www.zune.money/blog/portfolio-down-eur-usd-currency-impact-returns): When the euro strengthens against the dollar, your US stock portfolio can look like it's losing money even when it isn't. Learn how currency moves distort your real returns — and what to do about it. - [The PFOF Ban Is Coming in June 2026 — What Every European Retail Investor Needs to Know](https://www.zune.money/blog/pfof-ban-europe): The EU's ban on payment for order flow takes effect in June 2026. Learn what PFOF is, why it's being banned, how it affects your broker, and what to do with your portfolio before the deadline. - [European Stocks Are Trading at a 40% Discount to the US — Is Now the Time to Rotate?](https://www.zune.money/blog/european-vs-us-stocks): US CAPE at near-dotcom levels, Europe at a 15-year valuation low vs the S&P 500, and a weakening dollar eating your euro returns. The case for rotating to European stocks in 2026. - [Degiro Fees Are Quietly Eating Your Returns — Here's the Full Breakdown for 2026](https://www.zune.money/blog/degiro-fees): Every DEGIRO fee in 2026: connectivity, FX and handling costs, with the real yearly cost on €20k, €50k and €100k portfolios, and how to cut it. - [What Is Dollar-Cost Averaging? A Beginner's Guide for 2025](https://www.zune.money/blog/dollar-cost-averaging): Learn dollar-cost averaging: a simple strategy for small European investors to grow wealth in 2025. Start with ZuneMoney! - [Trump Tariffs 2025: What Small European Stock Market Investors Need to Know](https://www.zune.money/blog/trump-tariffs-2025-european-investors): Discover how the 2025 Trump tariffs impact small European stock market investors. Learn how to handle the volatility and protect your portfolio with Zune.Money. - [The Ultimate Diversification Guide for Small European Investors in 2025](https://www.zune.money/blog/diversification-guide): Learn how to diversify your portfolio as a small European investor in 2025. This guide covers strategies, asset types, and how ZuneMoney can help you reduce risk. - [The Best Stock Tracker App According to Reddit: Why ZuneMoney Tops the List](https://www.zune.money/blog/best-portfolio-tracker-reddit): Which portfolio trackers Reddit investors actually recommend, how Zune.Money compares with the usual favourites, and which one fits a Degiro investor. - [Sustainable Investing in the Netherlands: Green Stocks and Real Estate in 2025](https://www.zune.money/blog/sustainable-investing-netherlands): Ready to invest sustainably in the Netherlands in 2025? Discover green stocks, real estate trends, and how ZuneMoney tracks it all for small investors. - [Investing in Dutch Real Estate in 2025: Is It Still the Best Investment in the Netherlands?](https://www.zune.money/blog/dutch-real-estate-investing): An in-depth look at the Dutch housing market in 2025 — appreciation trends, rental yields, tax costs, and how real estate compares to stocks for Dutch investors. - [Beat Inflation in the Netherlands: Investment Strategies for 2025](https://www.zune.money/blog/beat-inflation-netherlands): Worried about inflation in the Netherlands? Discover 2025 investment strategies to protect your money—track them with Zune.Money! ## Blog (pt) - [Bolha da IA: quão exposta está a sua carteira?](https://www.zune.money/pt/blog/bolha-ia-exposicao-carteira): Um buraco de 20 mil milhões de dólares nas receitas da OpenAI fez cair as ações de IA a 8 de outubro. Meça a exposição da sua carteira à bolha da IA. - [Crise da dívida francesa: o que muda na sua carteira](https://www.zune.money/pt/blog/crise-divida-francesa-carteira): A França já paga mais juros do que a Itália e Portugal, e o euro caiu para mínimos de 17 meses. Como a crise da dívida francesa chega à sua carteira. - [Como analisar a carteira com o ChatGPT em segurança](https://www.zune.money/pt/blog/analisar-carteira-com-chatgpt): Analise a sua carteira com o ChatGPT sem confiar em números errados: as 6 falhas mais comuns, um método seguro para quem usa a DEGIRO e 5 prompts que funcionam. - [Inflação na zona euro por país e o seu retorno real](https://www.zune.money/pt/blog/inflacao-zona-euro-por-pais-retorno-real): A inflação na zona euro subiu a 3,8 % em setembro de 2026 e Portugal ficou nos 3,6 %. Uma taxa do BCE, vários retornos reais. Calcule o seu em 4 passos. - [Sobreposição de ETF: quanto pesam as Magnificent 7?](https://www.zune.money/pt/blog/sobreposicao-etf-msci-world-magnificent-7): Sete empresas americanas valem 23,6 % do MSCI World e um ETF do S&P 500 por cima faz subir esse peso. Meça a sobreposição de ETF da sua carteira em 5 passos. - [Contas-poupança isentas de impostos: Portugal e Europa 2026](https://www.zune.money/pt/blog/contas-poupanca-isentas-impostos-europa): Contas-poupança isentas de impostos: o projeto CIPI da CMVM, o PPR, a conta espanhola que durou dois dias e porque é que a DEGIRO não oferece nenhuma. ## Blog (nl) - [AI-bubbel: hoeveel AI-aandelen zitten in je portefeuille?](https://www.zune.money/nl/blog/ai-bubbel-blootstelling-portefeuille): Een gat van 20 miljard dollar in de omzet van OpenAI raakte AI-aandelen op 8 oktober. Zo meet je je AI-bubbel-risico in aandelen en ETF's, met rekenvoorbeeld. - [Franse schuldencrisis: wat het betekent voor je portefeuille](https://www.zune.money/nl/blog/franse-schuldencrisis-beleggingsportefeuille): Frankrijk leent duurder dan Italië en de euro staat op een laagste stand in 17 maanden. Zo raakt de Franse schuldencrisis je obligatie-ETF en VS-aandelen. - [Portefeuille analyseren met ChatGPT: zo doe je het veilig](https://www.zune.money/nl/blog/portefeuille-analyseren-met-chatgpt): Je portefeuille analyseren met ChatGPT zonder foute cijfers te geloven: de 6 manieren waarop het misgaat, een veilige werkwijze voor DEGIRO en 5 prompts. - [Inflatie per land in de eurozone en je reële rendement](https://www.zune.money/nl/blog/inflatie-eurozone-per-land-reeel-rendement): Inflatie in de eurozone was 3,8% in september 2026, Nederland 3,0% en Spanje 5,0%. Eén ECB-rente, zeven reële rendementen. Bereken jouw cijfer in 4 stappen. - [ETF overlap: hoeveel Magnificent 7 zit er in je ETF's?](https://www.zune.money/nl/blog/etf-overlap-msci-world-concentratierisico): Zeven Amerikaanse bedrijven zijn 23,6% van de MSCI World. Met VWRL of IWDA plus een S&P 500-ETF wordt het nog meer. Meet je ETF overlap in 5 stappen. - [Belastingvrije beleggingsrekening in Europa: Nederland wacht](https://www.zune.money/nl/blog/belastingvrije-beleggingsrekening-europa): Zweden, Frankrijk en Italië hebben een belastingvrije beleggingsrekening, Duitsland volgt in 2027. Nederland wacht op box 3. Wat betekent dat voor DEGIRO? - [Dividendbelasting Terugvragen: Zo Werkt Het Voor Beleggers](https://www.zune.money/nl/blog/dividendbelasting-terugvragen-buitenlandse-aandelen): Te veel dividendbelasting betaald via DEGIRO? Zo verreken je 15% Amerikaanse en Nederlandse bronbelasting via je aangifte inkomstenbelasting. - [DEGIRO Jaaroverzicht En Je Aangifte Inkomstenbelasting](https://www.zune.money/nl/blog/degiro-jaaroverzicht-aangifte-inkomstenbelasting): Waar vind je je DEGIRO jaaroverzicht (jaaropgave)? Stap voor stap downloaden, welke cijfers in Box 3 horen en wat DEGIRO niet voor je berekent. - [Box 3 2028: Zo Passen Beleggers Nu Al Hun Portefeuille Aan](https://www.zune.money/nl/blog/box-3-2028-nederlandse-beleggers-passen-portefeuille-aan): Box 3 gaat mogelijk ongerealiseerde winst belasten vanaf 2028. Zo passen Nederlandse beleggers hun portefeuille nu al aan op de nieuwe wet. ## Blog (de) - [KI-Blase: Wie stark hängt dein Depot an KI-Aktien?](https://www.zune.money/de/blog/ki-blase-depot-risiko): Eine Lücke von 20 Mrd. Dollar bei OpenAIs Umsatz drückte KI-Aktien am 8. Oktober. So misst du deinen Anteil an KI-Aktien in Depot und ETFs, mit Rechenbeispiel. - [Frankreich-Schuldenkrise: Was sie für dein Depot bedeutet](https://www.zune.money/de/blog/frankreich-schuldenkrise-depot): Frankreich-Schuldenkrise: Paris zahlt mehr Zinsen als Rom, der Euro fällt auf ein 17-Monatstief. Was das für deinen Anleihen-ETF und Sparplan heißt. - [Depot mit ChatGPT analysieren: So geht es sicher](https://www.zune.money/de/blog/depot-mit-chatgpt-analysieren): Depot mit ChatGPT analysieren, ohne falschen Zahlen zu trauen: 6 typische Fehler, ein sicherer Ablauf für Degiro-Anleger und 5 Prompts, die funktionieren. - [Inflation Eurozone: Ländervergleich und deine Realrendite](https://www.zune.money/de/blog/inflation-eurozone-laendervergleich-realrendite): Die Eurozone meldete im September 2026 3,8 % Inflation, Deutschland nur 3,3 %. Ein EZB-Zins, viele Realrenditen. So rechnest du deine in 4 Schritten. - [MSCI World Klumpenrisiko: Wie viel Mag 7 steckt im Depot?](https://www.zune.money/de/blog/msci-world-klumpenrisiko-etf-ueberschneidung): MSCI World Klumpenrisiko 2026: Sieben US-Konzerne sind 23,6 % des Index, mit S&P-500-ETF wird es mehr. So prüfst du deine ETF-Überschneidung in 5 Schritten. - [Altersvorsorgedepot bei DEGIRO? Steuerfreie Depots in Europa](https://www.zune.money/de/blog/altersvorsorgedepot-degiro-steuerfreie-depots-europa): Ein Altersvorsorgedepot bei DEGIRO gibt es 2027 nicht, nur bei der Schwester flatex. Was der Staat zahlt und welche steuerfreien Depots Europa bietet. - [Vorabpauschale bei Degiro: So berechnest du sie selbst](https://www.zune.money/de/blog/vorabpauschale-degiro-berechnen): Degiro führt die Vorabpauschale nicht automatisch ab wie eine deutsche Bank. So berechnest du sie selbst und trägst sie richtig in der Steuererklärung ein. - [US-Dividenden auf Degiro versteuern: Quellensteuer erklärt](https://www.zune.money/de/blog/quellensteuer-us-dividenden-degiro-deutschland): Degiro zieht bei US-Dividenden 15 Prozent Quellensteuer ab, aber ohne Freistellungsauftrag. So trägst du die Steuer richtig in der Erklärung ein. ## Blog (es) - [Burbuja IA: ¿Cuánto Riesgo Tiene tu Cartera?](https://www.zune.money/es/blog/burbuja-ia-exposicion-cartera): Un hueco de 20.000 millones en los ingresos de OpenAI tumbó las acciones de IA el 8 de octubre. Mide tu exposición a la burbuja IA con un ejemplo en euros. - [Crisis de Deuda en Francia: Qué Significa para tu Cartera](https://www.zune.money/es/blog/crisis-deuda-francia-cartera): Francia paga más que Italia por su deuda y el euro toca mínimos de 17 meses. Cómo llega la crisis de deuda en Francia a tu ETF de bonos y a tu cartera. - [Cómo Analizar tu Cartera con ChatGPT (con Seguridad)](https://www.zune.money/es/blog/analizar-cartera-con-chatgpt): Analiza tu cartera con ChatGPT sin fiarte de cifras erróneas: los 6 fallos más comunes, un método seguro para inversores de Degiro y 5 prompts que funcionan. - [Inflación Zona Euro por País: Tu Rentabilidad Real](https://www.zune.money/es/blog/inflacion-zona-euro-por-pais-rentabilidad-real): La inflación del euro fue del 3,8% en septiembre, pero España marcó el 5,0%. Un tipo del BCE, nueve rentabilidades reales: calcula la tuya en 4 pasos. - [Solapamiento ETF: MSCI World, S&P 500 y los 7 Magníficos](https://www.zune.money/es/blog/solapamiento-etf-msci-world-sp500): Siete empresas de EE. UU. son el 23,6 % del MSCI World y con un fondo del S&P 500 al lado rozan el 30 %. Mide tu solapamiento ETF en 5 pasos con datos de 2026. - [Cuenta Financia Europa: qué era, por qué cayó y qué viene](https://www.zune.money/es/blog/cuenta-financia-europa-cuentas-ahorro-inversion): La cuenta Financia Europa duró dos días: el Congreso tumbó el decreto que la creaba. Qué ofrecía, qué puede pasar y qué cuentas existen en Europa. - [Retención de Dividendos en España: Guía Degiro 2026](https://www.zune.money/es/blog/retencion-dividendos-espana-degiro): ¿Cobras dividendos de EE. UU. o España en Degiro? Cómo funciona la retención, qué modelo usar para reclamarla y el error que comete media España. - [Modelo 720 y Degiro: Guía para Residentes en España](https://www.zune.money/es/blog/modelo-720-declarar-inversiones-degiro): ¿Tu cartera en Degiro supera los 50.000 euros? Descubre si debes presentar el Modelo 720, qué cambió tras la sentencia de la UE de 2022 y cómo evitar errores. ## Blog (fr) - [Bulle IA : quelle exposition pour votre portefeuille ?](https://www.zune.money/fr/blog/bulle-ia-exposition-portefeuille): Un écart de 20 Md$ dans les revenus d'OpenAI a fait chuter les actions IA le 8 octobre. Mesurez l'exposition de votre portefeuille à la bulle IA, en euros. - [Crise de la dette française : l'effet sur votre portefeuille](https://www.zune.money/fr/blog/crise-dette-francaise-portefeuille): La crise de la dette française pousse l'OAT vers 5 % et l'euro au plus bas en 17 mois. L'effet sur votre ETF obligataire, vos actions et votre fonds euros. - [Analyser son portefeuille avec ChatGPT sans se tromper](https://www.zune.money/fr/blog/analyser-portefeuille-avec-chatgpt): Analyser son portefeuille avec ChatGPT sans croire de faux chiffres : les 6 erreurs de l'IA, une méthode sûre pour Degiro et 5 prompts qui marchent. - [Inflation zone euro par pays : votre rendement réel](https://www.zune.money/fr/blog/inflation-zone-euro-par-pays-rendement-reel): L'inflation en zone euro atteint 3,8 % en septembre 2026. La France affiche 3,4 %, l'Espagne 5,0 %. Calculez votre rendement réel en 4 étapes. - [Compte épargne investissement européen : le PEA en tête](https://www.zune.money/fr/blog/comptes-epargne-investissement-europe-pea): Le compte épargne investissement européen s'inspire du PEA. Allemagne, Espagne, Italie : où en est chaque pays en 2026, et pourquoi DEGIRO n'en offre aucun. - [Chevauchement ETF : CW8, S&P 500 et les 7 Magnifiques](https://www.zune.money/fr/blog/chevauchement-etf-msci-world-sp500-pea): Sept géants américains pèsent 23,6 % du MSCI World. Ajoutez un ETF S&P 500 dans votre PEA et ça grimpe. Mesurez votre chevauchement ETF en 5 étapes. - [Retenue à la Source sur les Dividendes : Guide France 2026](https://www.zune.money/fr/blog/impot-dividendes-etrangers-france-degiro): Dividende Degiro plus petit qu'annoncé ? La retenue à la source, ce que couvre le PFU, et comment déclarer le crédit d'impôt (formulaires 2047 et 2042). - [DEGIRO n'a pas de PEA : CTO vs PEA en France](https://www.zune.money/fr/blog/degiro-pea-cto-fiscalite): Degiro ne propose qu'un CTO, jamais de PEA. Ce que ça change pour vos impôts: plafond, taux, actions éligibles, et comment combiner les deux comptes. ## Blog (it) - [Bolla IA: quanto è esposto il tuo portafoglio?](https://www.zune.money/it/blog/bolla-ia-esposizione-portafoglio): Un buco di 20 miliardi nei ricavi di OpenAI ha colpito le azioni IA l'8 ottobre. Come misurare in euro la tua esposizione alla bolla IA tra azioni ed ETF. - [Crisi del debito francese: cosa rischia il tuo portafoglio](https://www.zune.money/it/blog/crisi-debito-francese-portafoglio): La Francia paga più dell'Italia per indebitarsi e l'euro è ai minimi da 17 mesi. Come la crisi del debito francese tocca i tuoi BTP, ETF e azioni USA. - [Come analizzare il portafoglio con ChatGPT (in sicurezza)](https://www.zune.money/it/blog/analizzare-portafoglio-con-chatgpt): Analizzare il portafoglio con ChatGPT senza fidarti di numeri sbagliati: i 6 errori tipici, un metodo sicuro per chi usa DEGIRO e 5 prompt che funzionano. - [Inflazione area euro: il tuo rendimento reale in Italia](https://www.zune.money/it/blog/inflazione-area-euro-rendimento-reale): A settembre 2026 l'Italia ha segnato 4,1 % contro il 3,8 % dell'area euro. Un anno al 7 % nominale vale 2,8 % reale. Calcolalo in 4 passi. - [Sovrapposizione ETF: quanto pesano le Magnificent 7?](https://www.zune.money/it/blog/sovrapposizione-etf-msci-world-concentrazione): Sette società USA valgono il 23,6 % dell'MSCI World, e con un ETF S&P 500 accanto a SWDA pesano ancora di più. Misura la sovrapposizione ETF in 5 passi. - [Conto di risparmio e investimento: SIA, PIR ed Europa 2026](https://www.zune.money/it/blog/conti-risparmio-investimento-sia-europa): Il conto di risparmio e investimento (SIA) è sul tavolo del MEF. Come funziona il PIR nel 2026, cosa offre il resto d'Europa e perché DEGIRO non ne ha. ## Product - [Sign Up](https://www.zune.money/signup): Create an account and get 7 days of full access with no payment card. After 7 days the account stays free for up to 10 holdings. - [Login](https://www.zune.money/login): Access your portfolio dashboard. - [Contact](https://www.zune.money/contact): Get in touch with the Zune.Money team.