The getquin alternative that can’t read your portfolio

getquin, operated by QUIN Technologies GmbH in Berlin, is a portfolio tracker whose homepage cites more than 500k users. Per its public materials it tracks stocks, ETFs, commodities, art, collectibles and real estate among more than 800k assets, offers community features that let you follow other investors and see their portfolios, and connects to brokers and bank accounts by API. As checked in September 2026 it also markets net worth tracking, an income and spending breakdown with budgets, AI-powered portfolio analysis on Premium and AI financial agents on Wealth.

Turbobulls is a privacy-first tracker built on end-to-end encryption. Data is encrypted on your device before it reaches the server, so the platform is designed not to be able to read your holdings or transactions. Beyond investments it tracks your wallet, bank accounts, salary, expenses and income, and offers money-weighted and time-weighted return, historical snapshots and retroactive split handling.

Both convert a portfolio to one base currency and benchmark it against the market. Where they diverge is privacy architecture, which return metrics come free, how data gets in, and whether there is a community at all. Those four are not independent of each other, which is the point of the next tab.

getquingetquin’s security page states AES-256 encryption in transit and at rest and data stored on servers in Germany and Europe; its homepage and AI page add that, with its encryption, no one can access your data, not even getquin. Its privacy policy says the platform is hosted in the EU, names finAPI, Plaid, Flanks and SnapTrade among the services it uses to connect accounts, and adds that data handled by its Segment analytics service is stored on Segment servers in the USA and that data may be processed outside the EU when you use its chatbot. It is not end-to-end encrypted: no getquin page describes a key that only you hold. Its community feed shows shared portfolios to other members, its AI agent, in its words, knows your data, and its broker sync updates holdings daily. Those are features that work on portfolio data, which is the sense in which we call it a server-side model. For full detail, its privacy policy and security page are the authoritative sources.

TurbobullsTurbobulls uses end-to-end encryption, which is a different model rather than a stronger version of the same one. Data is encrypted on your device with AES-256-GCM under a key derived from your password using PBKDF2, before anything leaves. The trade is real and runs in both directions: end-to-end encryption rules out a server-mediated social feed, AI analysis of your holdings, and broker auto-sync, because none of those can work on data the platform cannot read.

Both companies are EU-based and subject to GDPR. On analytics, Turbobulls records explicit events only within the app: no autocapture, no session recording, no advertising trackers, and nothing sold. See exactly how the encryption works, including what we can still see.

This is the area getquin is positioned around. Per its stock-forum page, you can follow experienced investors, traders or friends, see thousands of other members’ portfolios, post your own for feedback and discuss stocks with other members. If you share your portfolio, others see the names of the stocks, funds or ETFs you buy but not the amounts, per the same page. For investors who value social learning, that is a real draw.

getquin also publishes educational articles and guides in its magazine, and its forums surface breaking news, earnings and other market-moving events. For newer investors, having a community and educational material next to the tracker can be worth something.

Turbobulls has no social feed and no way to share your portfolio or follow anyone else’s, and will not. That is not a roadmap gap: each of those requires the platform to be able to read portfolio data, and Turbobulls is built so it cannot. If sharing and following are what you want, getquin is positioned to offer them and we are not.

What we do have is the Turbobulls Community, a discussion forum for questions and ideas about using the app and about investing. Anyone can read it, and posting needs a Turbobulls account. It is not portfolio sharing: nobody there sees another member’s holdings. Forum posts are public and not encrypted, while the tracker itself stays a solo tool for people who want to track and analyse privately.

getquin markets an internal rate of return (IRR) and a true time-weighted return (TTWROR) as separate metrics on its paid tiers (its help centre limits IRR to Premium and Wealth and lists TTWROR among Premium features), along with AI-powered portfolio analysis and risk ratings, and exposure across countries, sectors, currencies and asset classes. That is a solid analytical toolkit, and the AI part is something Turbobulls has no equivalent of.

Turbobulls puts the same pair of return metrics on every plan. On top of ROI it offers both money-weighted return and time-weighted return, free included. MWR reflects the return you actually earned given when you added or withdrew money; TWR isolates the portfolio’s own performance from your cash-flow timing. Having both gives a fuller picture, and conflating them is a common mistake in retail self-evaluation. Behind those sits the Overview’s All figures card: its growth and return figures, wealth velocity, growth rate (CAGR) and time-weighted return among them, are on every plan. Paying for the investing side opens the risk and efficiency figures, among them the Sharpe ratio, maximum drawdown, return volatility and MOIC.

Allocation by asset type, broker, currency and tag is on every plan; sector, industry, country and region are paid. Holdings are classified by instrument, so a fund counts where the fund itself is domiciled rather than distributed across what it holds. Benchmarking runs against any ETF, stock or basket you add, with one benchmark on free and no limit on paid, and historical snapshots let you view the portfolio as it stood on any date.

Turbobulls tracks spending with categories and tags, cash accounts, debt, salary and savings rate alongside the portfolio, and reports net worth across all of it, with a financial independence projection on top. Budgeting is envelope-based: each month you assign the money you actually have to categories and watch what is left, unspent money rolls over, and overspending comes out of next month’s pool, so the budget stays tied to real cash.

getquin covers this ground as well. As checked in September 2026, its cashflow page markets income and expenses with automatic categorisation, monthly cash flow, budgets with spending limits, net worth tracking and connections to bank accounts alongside brokers, and its help centre lists cash flow analysis among Premium features. So the difference is not that one of us tracks spending or budgets and the other does not. It is the method: Turbobulls uses envelope budgeting, where you assign the cash you actually have to categories and unspent money rolls over. And all of it sits inside an account the server cannot read.

For anyone who wants only the investing side, that breadth is capability they will not use, and it is worth knowing before signing up. Investing Pro is the plan for exactly that reader: it opens the investing side in full and leaves the spending side exactly at free-plan depth, so nobody pays for the half they skip. On the free plan budgeting is read-only, and the caps include one workspace, three accounts, ten holdings, two brokers, 50 portfolio transactions, 120 wallet transactions and one benchmark.

This is the clearest practical trade between the two. getquin markets automatic sync for the brokers it lists as supported; Turbobulls has none, and that follows from the encryption rather than being a feature that has not shipped. Auto-sync in the form most trackers offer it needs a service, the tracker or an aggregator working for it, to hold working credentials and read the transactions it fetches. Turbobulls took the other side of that trade, and file import is the cost of it. It is a real cost and worth weighing.

Turbobulls ships CSV and XLSX adapters, among them Interactive Brokers activity statements, Trading 212, DEGIRO, eToro, Revolut, ING Romania and many more, with more on the way, plus generic CSV with manual mapping. You pick the broker and upload the file, and if the file does not match the adapter you picked, the app points you at the one it does match. The import preview flags duplicates before anything is written, and the commit is atomic: an import either lands in full or not at all. CSV and Excel export are available on every plan.

getquin’s help centre states it does not currently offer an export of your portfolio from its app or web app, so start from your broker statements rather than from getquin. If it adds an export, that file takes the generic CSV route, which also covers any broker without a dedicated adapter.