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DeGiro portfolio tracker: benchmark your DeGiro portfolio against the S&P 500

We read the DeGiro account statement exactly as DeGiro produced it and rebuild every position, cash flow and dividend from it. DeGiro books your trades inside that same statement, in lines such as a buy of 45 shares at 21.72 EUR, so one file already covers your whole history. The transaction file on its own leaves out dividends and share splits, which makes a portfolio built from that file alone show a share count and a return that are quietly too low.

What the file contains

The account statement is a cash ledger. Every row carries a date, a time, the product name, its ISIN, a description of what happened, a currency and an amount, with the running balance beside it. Trades, deposits, withdrawals, interest, transaction costs, dividends and corporate actions all sit in that same list.

The transaction file adds the trade detail: Aantal for the number of shares, Koers for the price, Waarde EUR for the trade value before costs, Totaal EUR for the amount that actually left your cash balance, and Wisselkoers for the rate DeGiro applied. The gap between the value column and the total column is the fee, and fees belong in your cost basis.

Dividends arrive on two lines: the gross payment, sometimes in dollars, and the tax withheld from it as a negative amount underneath. Your net income is the sum of that pair, converted at the rate that applied on the payment date.

The export comes as CSV, XLSX or XLS, and we read the file as it is: no renaming, no reformatting, no cleaning up in a spreadsheet first. The columns we look for in this export are Datum, Tijd, Product, ISIN, Aantal, Koers, Waarde EUR, Totaal EUR, Wisselkoers, AutoFX Kosten, Omschrijving, Mutatie and Saldo.

How the import works for DeGiro

DeGiro has a reader of its own, tested against real exports. Upload the file as it came off your account and the columns are recognised without you mapping anything.

The account statement, the Rekeningoverzicht tab in the web trader, holds trades, dividends, splits and cash movements in one file. The full route is in our DeGiro export guide.

Take the whole period. A start date set to a round year rather than to before your first order leaves you with sells that have no matching buy, and the cost basis of anything you still hold inherits the gap without saying so. Keep the file as it was downloaded, because opening it in a spreadsheet and saving it again reformats dates and trims long decimals.

Statements come in Dutch or in English depending on your account language, and the numbers inside the descriptions follow that language. We read the column headers to work out which of the two we are looking at, because 1,700 is one point seven shares in one of them and seventeen hundred in the other.

What to watch for with DeGiro files

Corporate actions live only in the statement. Splits, spin-offs, ISIN changes and expired options are booked in the account statement with a label in front of them, never in the transaction export. Those lines move shares without moving cash, so we adjust the share count and leave the purchase price where it was.

The money market fund. Idle cash swept into a money market fund moves units while the money stays in your balance. Counting those rows as a holding would report your cash twice, so we pass over them.

Currency legs. A dollar trade from a euro account produces a separate debit and a separate credit for the conversion. The amount is already inside the trade row, so booking the pair as well would count the same money a second time.

Loose transaction costs. Costs are sometimes booked on their own row instead of inside the trade. We fold such a row into the trade with the same date and ISIN, and keep it as a standalone fee when there is nothing to attach it to.

What you see after the upload

Your file becomes a verdict first: your time-weighted return next to the S&P 500 and the Nasdaq 100 over the same period, with your own deposits replayed into the index so both sides carry the same timing. Under it sit your positions with their cost basis, the dividends you received and the income your holdings are expected to pay, your allocation across positions and currencies, and a year report you can keep for your records.

Because the statement carries deposits, dividends and corporate actions in one list, the verdict, the dividend view and the yearly report are all built from that single DeGiro file.

You can look at all of that on the demo portfolio before you upload anything of your own. The first two weeks are free and no card is asked for.

Frequently asked questions

Is the account statement enough on its own? Yes. DeGiro writes your buys and sells into the account statement as well, next to the dividends, deposits and corporate actions. The transaction file adds exact times and prices, so uploading both sharpens the trade detail. The statement on its own already rebuilds a complete history, which is why we point people at it first.

Why did my share count change after a split? A split is booked as a pair of lines on the same day: the old number of shares leaves and the new number arrives, with no cash attached. We match that pair against the position you held and change the share count while leaving the purchase price untouched, because a split changes how many shares you own and not what you paid for them.

My statement is in Dutch and your interface is in English. Does that matter? No. The column headers tell us which language the file was written in, and the numbers inside the descriptions are then read accordingly. That step is not cosmetic. In a Dutch export the text 1,700 means one point seven shares, and in an English export the identical text means seventeen hundred, so guessing is not an option.

What happens to a line you do not recognise? It is kept rather than dropped. An unfamiliar cash line booked on the name of a fund becomes a cash movement against that holding and is listed in the import warnings. You can then see what happened instead of wondering why a total is off by an amount that nothing in the dashboard accounts for.