Know Where You Stand. See Where You’re Going.

Praetora FinanceBeta

A smarter way to track your portfolio, simulate retirement, and plan withdrawals with tax-aware precision.

Start Planning

Built for Serious Investors

Professional-grade portfolio analysis without the subscription fee.

Monte Carlo Projections

Run thousands of simulations with correlated sector returns to stress-test your portfolio against every scenario.

German Tax Model

Full Abgeltungssteuer, Teilfreistellung, Günstigerprüfung, and Soli — automatically applied per position.

Broker Import

One-click CSV import from Trade Republic, Scalable Capital, and Comdirect. Positions are created automatically with live price updates.

Dividend Tracking

Annual income projection, monthly payout calendar, yield analysis, and upcoming ex-dates at a glance.

Performance Tracking

Daily portfolio snapshots with historical charts. Track your total return, daily changes, and growth over any timeframe.

Withdrawal Strategies

Fixed, percentage, or dynamic withdrawals with cash buffer modeling — find your safe withdrawal rate.

How It Works

Sign Up

Create your account with just an email. Sign in via magic link or optional password.

Add Positions

Import your portfolio by ISIN or ticker. Prices update automatically.

Run Simulations

Configure withdrawal strategies, tax models, and see your future unfold.

Frequently Asked Questions

Praetora Finance is a portfolio tracking and retirement projection tool. It combines real-time price data, Monte Carlo simulations, and German tax modeling to help you plan your financial future with confidence.

We run thousands of simulated portfolio paths using correlated sector returns and geometric Brownian motion. Each simulation accounts for your withdrawal strategy, contributions, taxes, and inflation to show a range of possible outcomes.

The German tax model includes Abgeltungssteuer (flat capital gains tax), Teilfreistellung (partial exemptions for equity ETFs), Günstigerprüfung (favorable comparison with personal income tax rate), and Solidaritätszuschlag. For other countries, a simple flat tax rate can be configured.

Your portfolio data is stored in an encrypted database and is only accessible to you. We use magic link authentication by default, with an optional password for convenience. All connections are encrypted via HTTPS.

We support CSV exports from Trade Republic, Scalable Capital, and Comdirect. After importing, prices are automatically refreshed from live market data.

Yes, Praetora Finance is completely free for personal use. There are no subscription fees, premium tiers, or hidden costs.

Ready to take control of your portfolio?

Get Started Free