The Snowball Analytics alternative that can’t read your portfolio

Snowball Analytics is a portfolio tracker that publicly markets dividend-oriented tooling. Per its public materials it tracks assets in 30+ currencies from 70+ exchanges, offers automatic broker connections on its paid tiers, includes a dividend calendar with forecasts and a dividend rating, and provides rebalancing and backtesting. It has a community section with public portfolios, and since August 2026 an AI assistant that answers questions about your portfolio, per its changelog. It distributes native iOS and Android apps.

Turbobulls is a privacy-first financial 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, transactions or performance. Beyond investments it tracks your wallet, bank accounts, salary, expenses and income, showing how the whole picture moves over time. Every account opens with 14 days of everything, no card, and then lands on a free plan that never expires.

Both handle multi-currency portfolios, benchmarking and performance analytics, and neither is a trading tool. Where they diverge is scope, privacy architecture and specialised tooling, and that is what the rest of this page is about.

TurbobullsThis is where the two differ most fundamentally. Turbobulls encrypts holdings, transactions and performance data on your device before they are sent, with AES-256-GCM under a key derived from your password using PBKDF2. The platform is designed so that not even Turbobulls can read your financial information.

SnowballSnowball Analytics says outright, on its own security page, that its data is not end-to-end encrypted, ‘because it will not allow us to deliver several fundamental features of the service’. The same page describes stored data as ‘depersonalized’, meaning not connected to you personally, and encrypted in transit (HTTPS); its pricing FAQ adds that data is encrypted at rest. It offers a ‘Hide all values’ button that hides amounts on screen, useful for looking at your portfolio in public but a display setting rather than an encryption architecture. Broker connections run through Yodlee and SnapTrade: its security page says broker credentials go to the aggregator straight from your browser, that its own servers never see them, and that Yodlee gives it a read-only interface; its help centre says holdings and transactions sync nightly. When its AI assistant is used, relevant portfolio data and your prompt go to OpenRouter with personal data and account identifiers removed first, per its privacy policy. The same policy says personal data is stored inside the European Union, and that in some cases, mainly for technical reasons, data may be stored on servers outside it.

TurbobullsOn 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.

Dividend tracking is a focus of Snowball’s public marketing. According to its own materials it offers a dividend calendar showing upcoming payment dates, a Future Payments schedule of announced and projected payments for the year ahead, and a dividend rating on its paid tiers that scores companies on a 0 to 100 scale for financial stability and the likelihood of a dividend cut, from 13 fundamental criteria. For someone building a passive-income portfolio, that can be a meaningful part of the value.

Turbobulls also tracks dividends. It imports payments for supported instruments and presents income by month in a calendar, including payments declared but not yet paid, which are kept out of your totals until they land. Withholding tax is recorded per payment, so the figure shown is net and in your base currency, and splits are applied retroactively. The full calendar and the yield figures need a paid plan; the free plan keeps the last three months. Trailing twelve-month and indicated annual income are included, with yield on cost and current yield on paid. A paid plan also shows the payments expected over the next 12 months, estimated from the last dividend and rhythm of each holding at what you hold now.

Turbobulls is not positioned around the same dividend-specific feature set. It has no rating system, and its expected payments need a paid plan where Snowball shows projected ones on every tier. If your decision rests primarily on dividend tooling, Snowball is positioned to offer more of it. Where Turbobulls differs is context: dividend income sits alongside salary, side income and personal expenses, so you can see whether passive income is growing relative to what you actually spend.

This is the widest difference in scope. 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.

Snowball Analytics, per its public materials, keeps cash accounts inside the portfolio on every tier, and its own comparison page says you can add and track bank and savings accounts beside your brokerage accounts. Fees and taxes are recorded as portfolio transactions, and its performance calculation includes fees, which is genuinely useful for seeing the drag commissions create. It does not do budgeting, household spending or salary tracking: its pricing page sets out the feature set tier by tier and none of the three appears. If you want day-to-day spending alongside your portfolio, you would likely run a separate app next to Snowball.

For anyone who wants only the investing side, that breadth is capability they will not use, and it is worth knowing before signing up. It is not capability you have to pay for, though: Investing Pro buys the investing side on its own and leaves the spending side exactly as it is on the free plan. 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.

Snowball Analytics markets a broad set of analytical tools. Its pricing page lists the Sharpe ratio, beta and PE among its metrics on every tier, diversification by sector, asset class and region, and IRR. Its rebalancing tool is purchases-only on free and full on paid. Backtesting tests portfolio ideas on historical data: 10 years on Free and Starter, 30+ years on Investor and Expert.

Turbobulls offers benchmarking against any ETF, stock or basket you add, with one benchmark on free and no limit on paid, alongside return on investment, money-weighted return and time-weighted return on every plan. Historical snapshots let you view the portfolio as it stood on any date, rebuilt from your own transactions. Behind those headline numbers 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, multiple on invested capital (MOIC), momentum, and fees and taxes.

Allocation by asset type, broker, currency and tag is available on every plan; sector, industry, country and region are paid. Holdings are classified by instrument, so a fund is counted where the fund itself is domiciled rather than distributed across what it holds. A target can be set on each holding, and when you enter what you are investing this month, Turbobulls splits the amount across the holdings below their targets. It plans purchases only, where Snowball’s paid tiers rebalance in full. Where Turbobulls is plainly less deep is the forward-looking side: it offers no backtesting or scenario modelling, which Snowball markets.

This is the clearest practical trade between the two. Snowball markets automatic broker connections through Yodlee and SnapTrade on its paid tiers; Turbobulls has none, and that is a deliberate choice rather than something pending. Sync means a server somewhere holds working broker credentials and the platform reads the positions that come back. In Snowball’s case its security page says your broker credentials go straight from your browser to Yodlee and its own servers never see them; the holdings and transactions still sync nightly onto servers it says are not end-to-end encrypted. 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.

Anyone migrating from Snowball Analytics can export holdings and transactions to CSV, which its pricing page lists on every tier including free, and map the file through the generic CSV adapter. The same route covers any broker without a dedicated adapter.