Ratiofolio
Ratiofolio
Join — free

Free during public beta

Are you actually good at investing?

Most people have no idea. Ratiofolio tracks your portfolio and every trade you make, then shows you the honest numbers behind your own decisions — what works, what doesn't, and the habits costing you money.

Start free — takes 2 minutesSee how it works
  • Free while we're in beta
  • Works with any broker — no linking needed

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How it works

Three steps. No spreadsheet.

Watch what happens after you add a single trade.

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  1. Tell it what you own

    Add your holdings and the trades you take. Type them in or upload a file from your broker. There is nothing to connect and no password to hand over.

  2. Ratiofolio does the math

    Prices update every day. Your real return, your risk, and the result of every decision get worked out for you — no spreadsheet, no formulas.

  3. You find out what works

    Which of your choices made money. Which habits quietly cost you. Whether your average win is actually bigger than your average loss.

Start free — takes 2 minutes

No card. No broker login. Delete your account whenever you want.

Two kinds of people use this

Which one sounds like you?

Everything you own, finally in one picture.

You buy good companies and hold them. The hard part is knowing whether it is actually going well.

  • See everything you own in one place, even across different brokers.
  • Find out your true return — the number that still makes sense when you keep adding money.
  • See how much of your money sits in one company, one industry, or one country.
  • Watch the dividends land, month by month, and what they add up to in a year.
See the investing tools

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What's inside

Built over two years. Free to try all of it.

Every tool answers a question about your own money. Tap any screen to see it up close.

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Live

Know what you have at risk

Not just what your account is worth — how much you actually stand to lose if every open trade goes against you today.

Read more

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Live

Check the company, not the story

Ten years of a company's sales, profit, and debt on one screen. Enough to test a tip before you act on it.

Read more

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Live

Narrow the market to your rules

Thousands of stocks in, a handful out. Save the filter and run it again next week instead of starting over.

Read more

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Live

Charts that remember your setup

Your indicators, your watchlists, your open positions marked on the chart — laid out the way you left it.

Read more

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Live

Watch the dividends add up

Every payment you have already received, month by month, and what it comes to across the year.

Read more

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Rolling out

An assistant that asks you things

It reads your own numbers and pushes back on your reasoning. It will never tell you what to buy, because that is not its job.

Read more

Being built — and marked that way in the app

Some parts are still previews running on sample data, and you will see them labelled that way inside Ratiofolio:

  • Backtesting a strategy on past data
  • A dividend calendar for payments still to come
  • Market mood and sector heatmaps

We would rather tell you now than have you find out after signing up.

The community side

You would be early. That is the honest pitch.

Ratiofolio has a social side: shared feeds, chat, and a board for trade ideas. Right now it is small, and we are not going to dress that up with invented testimonials. The tools work on your own today. The room fills up with whoever shows up first.

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A shared feed for ideas, notes, and questions.

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A board that ranks ideas by how well the risk was handled.

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Chat and direct messages, without another app to install.

How we keep score without turning it into a casino

  • Post an idea before you know how it ends. That is the only way it counts.
  • The board ranks closed ideas by how much you made against what you risked — not by who shouts loudest.
  • Nobody copies anybody's trades, and nobody gets ranked by how rich they are.

“I built Ratiofolio because retail investors deserve better than tipsters and chat noise. Creators get a proper home for their people, and members get the numbers to grow into disciplined investors — without anyone handing over control of their own decisions.”

Raphael Becker · Founder

While the beta runs, everything is free. When it ends you go back to the free plan until you decide to upgrade. No surprise charge, and no card on file to begin with.

Do you have an audience?

Run your own space here for free, charge your members through your own payment link, and keep every cent of it. We take nothing from what you charge.

See the creator offerApply

Be clear about this

What Ratiofolio is not.

You cannot buy or sell anything here. We never hold your money and we never see your bank. We do not sell tips, we do not let anyone copy anyone else's trades, and we do not guess where the market goes next. Ratiofolio shows you what your own decisions have actually done — that is the whole job.

Not a broker

Not a tip service

Not copy-trading

Not a crystal ball

Pricing

Everything is free while we are in beta.

The prices below are what the paid plans will cost later. Right now they are struck through and cost nothing — no card, no real charge.

Read the full beta billing details

Public beta: joining is free. Listed Investor and Alpha prices are the intended live rates (shown struck through). During beta those tiers are FREE — checkout still runs on Stripe test mode (sandbox) so we can test upgrade flows, with no real charges and no real payment details required. When beta ends and we go live, accounts on Investor or Alpha revert to Free until they upgrade again. When the beta run ends and live billing starts, everyone on Investor or Alpha will be moved back to Free until they upgrade again. We value beta feedback — feature requests, bug reports, and general product feedback help us decide what to improve next.

Free

€0

For having a proper look around.

  • One portfolio and up to three trades
  • Join any community
  • A simple dashboard of where you stand
Create a free account
Most popular

Investor

€19.99/month
FREEBeta run

Free during beta · Stripe test mode — no real charges

For understanding your own portfolio properly.

  • As many portfolios, holdings, and trades as you like
  • The full portfolio picture — what you hold, what it pays you, and how far you fell from your best point
  • Write down why you took a trade, then review it once it closes
Try Investor — free during beta

Alpha

€49.99/month
FREEBeta run

Free during beta · Stripe test mode — no real charges

Everything, including the AI assistant.

  • Everything in Investor
  • The deep trading breakdown — what you made against what you risked, and how far trades went against you first
  • Build your own rules and grade a setup before you take it
Try Alpha — free during beta

Beta run · FREE during beta · list prices shown struck through · Stripe test mode — no real charges. Prices in EUR; the yearly option shows the discounted monthly rate. VAT and real billing only apply once we leave Stripe test mode. Running a community space is free for creators, and we take 0% of whatever you charge your own members — see the creator offer.

Straight answers

The questions people actually ask.

You tell Ratiofolio what you own and which trades you take. It keeps track of the prices, works out your real return, and shows you which of your decisions made money and which ones cost you. Think of it as a coach that only looks at your own record.
No. You type things in, or upload a file your broker gives you. There is no login to hand over and no read access to your accounts. An automatic import from Interactive Brokers is being built, but it is not switched on yet.
No, and that is on purpose. Ratiofolio is not a broker and never touches your money. You keep buying and selling wherever you do that today — this is where you find out how it is going.
Yes, while the beta runs. The paid plans are listed with their intended prices struck through, and they cost nothing right now — checkout runs in Stripe's test mode, so there are no real charges and you do not enter card details. When the beta run ends and live billing starts, everyone on Investor or Alpha will be moved back to Free until they upgrade again.
Yes. Your portfolio, your trades, and your notes are yours alone by default. You choose if you ever share something with a community. The AI assistant uses your data to answer you in the moment — we do not train models on it.
Being straight with you: backtesting, the dividend calendar, and the market mood screens are previews running on sample data, and they are labelled that way in the app. The AI assistant is partly rolled out. The community is new and small. We value beta feedback — feature requests, bug reports, and general product feedback help us decide what to improve next.

One honest question

Find out if it is working.

Add one holding or one trade and see what comes back. It takes about two minutes, and it costs nothing while we are in beta.

Create a free accountI already have an account

Public beta. No card needed and no real charges. We are not a broker, we do not sell tips, and we never hold your money. Tell us what is missing — that is what the beta is for.