Skip to content

For investors across Europe

Everything you own, on one screen.

Your portfolio across brokers, currencies and tax-advantaged accounts — with the dividends already declared and each account's tax treatment applied. The flat you rent out beside it.

Create your account See what it does

The problem

Your money is in six places and none of them agree.

Your money keeps office hours in six different buildings. A brokerage account here, a tax-advantaged one there, a flat with a mortgage against it, a pension you have not opened since the day you signed it. Every one of them tells you the truth and not one of them tells you the whole of it: a statement says what you hold, never what it earned, never what the withholding already took, never what all of it comes to on one day in one currency.

Getting good with money has far less to do with being clever than with being able to see. Put the whole picture on one screen and most of it becomes obvious; leave it in fragments and even the plain questions go unanswered — how it compares with the benchmark you pick, what has already been declared for next quarter, what each account's tax treatment actually is. The spreadsheet that would fix that costs an evening to build and is stale within the week, which is why it gets rebuilt every January. Fewer places to look, not more numbers: that is the whole idea.

Ratio Radar™ · your portfolio

Yield, growth, how it compares with a benchmark you pick, how spread out it is, what the account's tax treatment hands back, and how much rides on one position — each scored 0-10, per account or per portfolio.

The product

Three things you own, read the same way.

RATIO is not your accountant's software and it is not the terminal you place orders in. It sits above both. One place that shows what you own, what it is earning and where the problem is, with the detail a click away when you want it.

Shares, ETFs, the flat you rent out and the valuables you keep all work today, on the same basis, so that for once they can be compared.

Available now

Investment portfolio

Import a statement from your broker and get the whole position: holdings at live prices, every transaction, and what it is all worth in your own currency.

  • Holdings, transactions and cash across as many accounts as you hold
  • Live prices, and FX so dividends paid in three currencies land in one
  • Dividends declared ahead, then reconciled against what the broker actually paid
  • Tax treatment per account, because a general account and a tax-advantaged one are not the same money
  • A dividend calendar, income by month, and a year of income at a glance

Available now

Property, as an investment

A flat you rent out is an asset with a return, not a line in a spreadsheet. RATIO treats it like one, beside your shares, on the same basis.

  • Each property with its leases, the rent that actually arrived and every cost paid out
  • Rent after the tax that applies to it: a flat rate on revenue, the progressive scale, a fixed amount, or tax paid at source
  • The mortgage still owed and the share of the property that is yours, from your bank's own statements
  • Total return since purchase: the price growth and the rent together, on what you paid
  • The rent each lease says is due, on its payment day, with the contract's end in view

Available now

Valuables

A watch, a ring, a painting or a car in the garage has a price too. Record it once, value it again when you learn more, and it sits on the same screen as the shares and the flat.

  • Watches, jewellery, art, antiques, cars and collectables, each recorded once, with your share if you own it jointly
  • Every valuation you enter, with its date and the currency it was given in
  • The price you paid against what it is worth today, or what it brought in once it was sold or lost
  • In the same net worth as the shares and the flat, and out of every yield: a valuable pays no income

How it works

Three steps, no spreadsheet archaeology.

01 · Import your statement

Export from your broker, drop the file in. No passwords handed to an aggregator, no new bookkeeping habit.

02 · It works out the rest

Live prices, your own currency, dividends ahead and behind, and the tax treatment each account actually gets.

03 · See where you stand

What you hold, what it earned, what is coming — with the flat you rent out beside it.

Investment portfolio

Bring the statement you already get.

Export from your broker and drop the file in — no passwords handed to an aggregator, no new bookkeeping habit. Two work today and the rest are being built; say which one you need and we will tell you when it lands.

Broker names are the trade marks of their respective owners. RATIO is not affiliated with, endorsed by or partnered with any of them — you export your own statement and bring us the file.

Where it works

Built for Europe, not translated into it.

Most portfolio tools are built around one country's tax code and bolted onto the rest. RATIO starts from the opposite end: 36 countries across the EU and EEA, plus the UK and Switzerland, each with its own currency and its own rules about how each account is treated.

In 15 of them there is a tax-advantaged account that works differently from an ordinary brokerage one — and RATIO treats them differently, because a dividend inside one is not the same money as a dividend outside it.

A portfolio that spans two countries and three currencies is the normal case here, not the edge case.

Understanding a country's tax treatment is not the same as offering the service there: RATIO is offered in the EEA and Switzerland, and the UK is a tax residency you can pick rather than a country we serve. The terms say which is which.

Account types it understands

  • ISA
  • ISK
  • PEA
  • PIR
  • TBSZ
  • ASK
  • OST
  • DIP
  • Pillar 3a
  • IKE
  • IKZE
  • OIPE
  • and more

Plus the plain brokerage account everywhere else. Tell RATIO where you are tax resident and it applies that country's treatment to each account you hold — the withholding a foreign dividend already suffered, and what your own country still wants on top.

The boundary

What RATIO will never do.

A tool for keeping and visualising your own financial records. Not an investment platform, not research, not an assistant with opinions. The limits below are the product, not the small print.

Never tells you what to buy

No stock picks, no ratings, no “top dividend” lists. Every number here traces to a document you brought or a company filing — nothing is our guess. That is also why you can trust the ones that are there.

Never touches your broker

You export your own statement. No passwords, no aggregator, no order ever leaves this app.

Never sells your data

Not to advertisers, not to models, not to anyone.

Our position, in full

RATIO processes data you provide yourself: broker statements and records you enter. The service shows you your own data in an organised form and performs calculations on it. RATIO does not select financial instruments, does not evaluate them, does not give recommendations to buy, sell or hold, does not provide investment or tax advisory services, and does not make decisions for you. All trading decisions are yours, taken independently or with a licensed adviser.

On your phone

It installs. There is no app store involved.

Add it to your home screen and it runs full screen with its own icon, and updates itself the moment a new version ships — the same app you use on a laptop, not a cut-down version of it.

iPhone & iPad

Open app.ratio.software in Safari, then Share → Add to Home Screen.

Safari is the only browser on iOS that can install it.

Android

Open app.ratio.software in Chrome. It offers to install by itself.

Or Menu → Install app, if you dismissed the prompt.

  • Nothing comes from a store — no store account, no download the size of a film, and nothing on your phone that can see anything but itself.
  • Fixes reach you when they are ready, not when a review queue lets them through.
  • Remove it the way you remove any other icon.
Open the app

iPhone, iPad and Safari are trade marks of Apple Inc.; Android and Chrome are trade marks of Google LLC. RATIO is not affiliated with, endorsed by or certified by either, and the marks are used only to say which device and browser these steps are for.

Early access

Try it on your own portfolio.

The investment side is built and open — create an account, import a statement from your broker, and see the whole position come back. The rest is still being built, so what we want in return is what you run into.

Signing up takes an email address and a password, then one confirmation link.

Create your account

Not signing up today?

Leave an email and we'll tell you when something worth a look lands. No newsletter, no spam.