Comparisons

BullBenchmark vs getquin: what each one does and who it suits

Anyone who has looked for a portfolio tracker in Europe has come across getquin. It is one of the best-known trackers in the German-speaking market, it has a free tier, and it has a community, which few finance tools manage to build.

This page is written by the people who make the paid alternative, so read it with that in mind. The format is meant to keep it fair: what each tool is for, where getquin is the better choice, where we differ, and five questions you can put to any tracker, including ours.

What each one is

getquin is a portfolio tracker with a social layer. You keep your holdings in it and get an overview and analysis of what you own. Around that sits a feed where members publish portfolios, discuss positions and share what they are buying.

It has a free tier, so you can use it without a payment decision, and many people do.

BullBenchmark is narrower on purpose. You upload the export file from your broker, and the product answers one question: is what you are doing beating the index you would otherwise have bought? It does the surrounding bookkeeping too, with positions, dividends, allocation and year reports, but the centre of it is a comparison, not a feed.

It costs €5.99 a month or €59.99 a year, with a 14-day trial that does not ask for a card.

Where getquin is the better choice

There are three cases where getquin fits better.

You do not want to pay. A free tier beats a paid subscription for anyone who is not going to use the paid part. If you want to see your holdings in one place and you are not going to act on a benchmark number, the right amount to spend is nothing. We would rather say so than sell you a subscription you cancel after a month.

You want the community. Discussing positions with other investors is a feature we have not built and do not plan to build. If part of the value of a tracker is social for you, that points at getquin, not at us.

You live on your phone. getquin is mobile-first and is mostly used that way. We are a website that works on a phone, which is not the same as an app built for one.

Where we are different

The comparison a portfolio tracker shows you can go wrong in four separate ways, and almost every wrong version flatters you. Our product is built around getting those four things right.

Time-weighted return, not a simple percentage. A percentage that mixes your deposit timing with your investment results cannot be compared with an index, because an index has no deposits. A time-weighted return cuts the history at every cash flow, measures each slice on its own and chains the slices, so the number reflects what your holdings did rather than when your money arrived.

The difference between the two return numbers is explained in time-weighted vs money-weighted return.

Cash-flow replay, not a chart overlay. Drawing the index's line over your portfolio's line compares a lump sum with an instalment plan. We build a simulated index portfolio instead: an investor who received your deposits on your dates and bought an index tracker with all of it. That portfolio has the same timing luck as you, so the gap between it and you is your decisions.

The method is described in how to check whether you are beating the S&P 500.

A total-return benchmark, not a price index. The index level quoted in the news usually leaves out dividends. Your own portfolio keeps its dividends, so a comparison with the price version gives you an advantage you did not earn, and the advantage grows every year.

Your base currency, throughout. A euro portfolio measured against a dollar index carries the exchange rate in the result, and over several years the currency effect alone can change the outcome. We convert both sides at the historical rate of each day, and you choose the currency of the dashboard.

The problem is explained in multi-currency portfolio tracking.

The fifth difference is how data gets in. We read broker export files and never ask for a broker password, an API key or an account connection. That is a trade-off: a connected account updates itself, while a file means you upload one every so often.

Our reasons are set out in why we will never ask for your broker login. If you weigh that differently, that is a valid reason to pick another tool.

Five questions to ask any tracker

Feature lists go out of date within months, and any comparison table we publish today would be wrong within a year. So instead of describing what a competitor does, here is how to find out yourself, in about ten minutes, with any tracker including this one.

Does it show a time-weighted return, and does it say so? If the only number is a percentage next to your total value, you are looking at something that mixes deposits with performance.
When it compares you with an index, does it replay your cash flows, or does it draw the index's own chart next to yours? Ask for the number after a large deposit and see whether the comparison moves.
Is the benchmark the total-return version of the index, with dividends reinvested?
Is everything converted to one base currency at historical rates, including the benchmark?
Does the calculation include closed positions, fees and withheld tax, or only what you still hold today?

A tracker that answers all five well does the job, whatever its name and whatever it costs. A tool that cannot answer them tells you something too.

What we are deliberately not claiming

We do not publish getquin's prices, feature list or supported imports, because those change and we would be quoting them from memory.

Everything above about getquin is general and, as far as we know, correct at the time of writing in August 2026: a free tier, a community, a mobile-first product. Check the rest at the source.

What we can state precisely is our own side. BullBenchmark costs €5.99 a month or €59.99 a year. The trial is 14 days and takes no card.

The import is a file you download from your broker, in CSV or XLSX, with a column mapper for layouts we have not seen before. There is a one-click export of everything we hold about you, so you can leave with your data.

Who should pick which

Pick getquin if you want a free tracker, if the community is part of the appeal, or if you want an app above all.

Pick BullBenchmark if you want to know whether your stock picking beats an index, if your money is spread over several brokers and currencies, or if you want a yearly report you can hand to your bookkeeping without an evening in a spreadsheet.

Pick both if you like. They cost different things and answer different questions, and nothing stops you from keeping a free overview and running the benchmark separately.

If you want to see the comparison before deciding anything, the live demo is a sample portfolio across two brokers with the same screens a subscriber gets. Why the comparison matters in the first place is explained in what it costs to never benchmark your portfolio.

BullBenchmark reads the transaction export from your broker and shows your return next to the S&P 500 and the Nasdaq 100, fed with the same deposits on the same dates, in your own currency. The first two weeks are free and no card is needed.