Free portfolio tracker UK: every option compared for 2026

Searching for "free portfolio tracker UK" returns a wall of options. Most of them are either not actually free, not available in the UK, or not useful beyond a basic watchlist. We tested every option worth considering so you can skip the trial-and-error.

This guide ranks every free portfolio tracker by what matters: automatic syncing, analytical depth, and how long you can actually use it before hitting a paywall.

What "free" actually means

Before comparing tools, let's define what we are evaluating. A free portfolio tracker should let you:

1. Track your actual holdings (not just a watchlist of tickers)

2. See portfolio-level analysis (allocation, performance, sector breakdown)

3. Use it indefinitely without being forced to pay after a trial period

Some tools offer a "free trial" that expires. Others offer a free tier with meaningful restrictions. We will flag exactly what you get for free with each option.

The free options ranked

1. DeskFi (Best overall free tier)

What you get for free:

• Full dashboard with portfolio value, P&L, and daily changes
• Automatic Trading 212 sync via API (the only free tool with this)
• Sector and theme breakdowns
• Goal tracker with target allocation percentages
• Watchlist with price alerts
• Trade journal
• Rebalance tool showing actual vs target allocations
• Stock news feed filtered to your holdings
• Desk notes on every holding
• 5 AI research calls per month (research chat, comps, stress test)

What is paid (Pro, EUR 9.99/mo):

• 30 AI calls per month
• Weekly AI research briefs
• Earnings sentiment analysis
• Full catalyst radar
• Watchlist theme research

Verdict: The most generous free tier of any portfolio tracker in the UK. The Trading 212 API sync alone puts it ahead of every other free option. The fact that you also get sector breakdowns, goal tracking, a rebalance tool, and 5 AI calls is remarkable.

Create your free DeskFi account

2. Trading 212 (built-in)

What you get for free:

• Portfolio view with individual stock P&L
• Basic price charts
• News feed (not filtered to your holdings)
• Transaction history

Limitations:

• No portfolio-level analytics
• No sector or theme breakdowns
• No allocation targets or rebalance guidance
• No AI analysis
• No earnings tracking tied to your positions
• No trade journal with notes

Verdict: It is free because it is your broker. But as a portfolio tracker, it only shows you what you own and whether it is up or down. For any meaningful analysis, you need something else.

3. Google Sheets or Excel

What you get for free:

• Complete customisation
• GOOGLEFINANCE function for price data (15-20 minute delay)
• Any calculation you can build yourself

Limitations:

• No automatic broker sync (manual entry only)
• You have to build everything from scratch
• Breaks when you change formulas
• No AI analysis
• No mobile experience (Google Sheets on mobile is painful)
• GOOGLEFINANCE function has limited data and occasional errors

Verdict: Free and infinitely customisable. Also a second job to maintain. Most people who start with a spreadsheet abandon it within three months because manual entry is tedious. If you genuinely enjoy building spreadsheets, this works. Everyone else should use a real tool.

4. Yahoo Finance

What you get for free:

• Watchlist functionality
• Real-time price data
• Company financials and news
• Basic charting

Limitations:

• Not a portfolio tracker (it is a watchlist)
• No automatic broker sync
• No allocation analysis
• No P&L tracking relative to your cost basis
• No sector breakdowns of your holdings
• Ad-heavy experience

Verdict: Yahoo Finance is a financial data site, not a portfolio tracker. You can create a watchlist, but you cannot track your actual positions with cost basis, P&L, and allocation. Useful for looking up individual stocks. Not useful for managing a portfolio.

5. Stock Events

What you get for free:

• Dividend calendar for your holdings
• Basic portfolio value tracking
• Upcoming earnings dates

Limitations:

• Limited to 15 holdings on free tier
• No automatic T212 sync
• No sector analysis
• No AI features
• No allocation tools

Verdict: Decent for dividend tracking specifically. But the 15-holding limit on free makes it impractical for anyone with a real portfolio. Premium is USD 5.99 per month.

6. Delta Investment Tracker

What you get for free:

• Multi-asset portfolio tracking (stocks, crypto, NFTs)
• Basic P&L and allocation view
• Manual entry or limited CSV imports

Limitations:

• No Trading 212 API sync
• No AI analysis
• Limited stock-specific features
• Ads in free tier
• No earnings tracking
• No theme or sector analysis specific to stocks

Verdict: Delta tries to do everything (stocks, crypto, NFTs, commodities) and ends up being average at all of them. For stock investors, the features are too shallow. No T212 integration is the main problem.

7. Sharesight

What you get for free:

• Up to 10 holdings tracked
• Basic performance calculation
• Dividend tracking

Limitations:

• 10 holdings maximum (useless for a real portfolio)
• No Trading 212 sync
• No AI analysis
• No allocation tools on free tier

Verdict: Sharesight's free tier is essentially a demo. 10 holdings is not enough for anyone serious about investing. The paid tier starts at USD 17 per month, which is expensive for what you get.

8. Simply Wall St

What you get for free:

• Limited stock analysis (snowflake charts)
• Basic company research

Limitations:

• Very limited number of analyses per month
• Not a portfolio tracker (it is a research tool)
• No T212 sync
• No allocation analysis

Verdict: Simply Wall St is a stock research tool, not a portfolio tracker. The free tier limits how many companies you can analyse. Useful for one-off research, not for ongoing portfolio management.

Comparison table

| Feature | DeskFi | T212 | Sheets | Yahoo | Stock Events | Delta | Sharesight |

|---|---|---|---|---|---|---|---|

| T212 API sync | Yes | N/A | No | No | No | No | No |

| Free holdings limit | Unlimited | N/A | Unlimited | N/A | 15 | Unlimited | 10 |

| Sector breakdown | Yes | No | Manual | No | No | Basic | Basic |

| Theme indexes | Yes | No | Manual | No | No | No | No |

| Allocation targets | Yes | No | Manual | No | No | No | No |

| AI analysis | 5 calls/mo | No | No | No | No | No | No |

| Rebalance tool | Yes | No | Manual | No | No | No | No |

| Trade journal | Yes | Basic | Manual | No | No | No | Yes |

| Price alerts | Yes | Yes | No | Yes | No | Yes | No |

| Dividend tracking | Yes | Basic | Manual | No | Yes | Basic | Yes |

Our recommendation

If you use Trading 212, the choice is clear. DeskFi is the only free portfolio tracker that connects to T212 via API and provides portfolio-level analytics.

The free tier gives you everything you need for proper portfolio management: automatic sync, sector breakdowns, goal tracking, rebalance guidance, and 5 AI research calls per month. No other free tool comes close.

If you do not use Trading 212 and want multi-asset tracking, Delta is reasonable for basic tracking across stocks and crypto.

If you only need dividend tracking and hold fewer than 15 stocks, Stock Events works for that narrow use case.

For everyone else, especially UK investors on Trading 212: start with DeskFi's free tier. If you find yourself wanting more AI analysis (most people do after the first weekly brief), Pro at EUR 9.99 per month is the most cost-effective upgrade available.

Create your free DeskFi account and have your portfolio tracked and analysed within five minutes.

Check our setup guide for a walkthrough of connecting your Trading 212 account.