Snowball Analytics review 2026: is this dividend tracker worth it?

In this review, we look at Snowball Analytics, a portfolio and dividend tracker from France that brings your broker accounts into one dashboard. We cover what the free plan includes, how much the paid plans cost in euros, how European brokers connect, how it measures returns and dividends, what it does not do for taxes and which alternatives may suit you better.

In November 2026, Anthropic also launched Personal Finance in Claude, which links bank, card, loan and investment accounts and answers questions about your money. It is not an option for European investors yet: the beta is limited to paid Claude plans in the US and to US banks, and for investment accounts it reads the balance, not your holdings or trades. Snowball takes a different route, with a connector that lets Claude read your Snowball portfolio. We compare both further down.

All prices and features below were checked on Snowball's website and help centre in November 2026. The screenshots come from Snowball's public demo portfolio, a real view of the app that anyone can open without an account.

Overview

Snowball Analytics is run by Snowball Analytics SAS, a company registered in Lyon, France. It was founded in 2021 by two investors who tracked their portfolios in spreadsheets, went online in 2022 and launched its mobile app in 2024. Snowball says it tracks more than 200,000 portfolios worth over $15 billion in total.

The service is built for long-term investors, and dividends are at the centre of it. You add your trades once, by broker connection, report import or file, and Snowball shows:

• Your total return, measured as a time-weighted return (TWR) and a money-weighted return (IRR)
• Every dividend received, a calendar of coming payments and a forecast of your income for the next year
• Your allocation by asset class, sector, country and holding, including the stocks inside your ETFs
• Stocks, ETFs and funds on more than 70 exchanges, plus cash, deposits and assets such as property that you add by hand

Snowball works in the browser and on iOS and Android. The interface is available in English, German, Spanish and Portuguese, and you can show your portfolio in euros, złoty or more than 30 other currencies.

Highlights

^{Sources: (1) Snowball pricing page, (2) Snowball portfolio tracker page, (3) Snowball changelog, (4) Snowball about page. Ratings from Trustpilot, the Apple App Store (UK) and Google Play. All checked November 2026.}

Pros and cons

Pros

• Built for dividend investors: calendar, income forecast, yield on cost, yield after withholding tax and a dividend rating
• Shows both a time-weighted and a money-weighted return, and compares your portfolio with a benchmark
• Cheaper than Sharesight: unlimited holdings from €79.99 per year
• Broker report import on every plan, including the free plan, with guides for DEGIRO, XTB, Revolut, eToro and Saxo
• Native automatic connection with Interactive Brokers
• You choose FIFO or average cost for realised gains
• 14-day trial without a card, and well-rated mobile apps

Cons

• The free plan stops at 10 holdings and has no automatic broker sync
• Broker connections only bring in 90 to 200 days of history, so you need a report import for the rest
• No tax reports for any European country
• No import guide for Trade Republic or Scalable Capital, so you use Snowball's CSV template
• Connected accounts sync once a day and prices are not real-time
• No Dutch or Polish version

Pricing: Free vs Starter vs Investor vs Expert

Snowball has a free plan and three paid plans. European visitors see prices in euros, and paying yearly saves 16%, about two months. Every new account starts with 14 days of full access, and you do not need a card. When the trial ends, you move to the free plan and Snowball asks you to upgrade or trim your portfolio if you are over the limits.

^{Source: Snowball pricing page, November 2026. Prices in EUR as shown to European visitors. Visitors from the US see the same amounts in USD.}

What each plan adds

• All plans: broker report import, dividend calendar and tracking, custom withholding tax, TWR and IRR, diversification, benchmarking against index funds, backtests on 10 years of data, CSV export and portfolio sharing
• Starter and above: automatic broker sync, unlimited holdings, full rebalancing tool, weekly summary emails, dividend rating and push alerts for dividend events
• Investor and above: 10 portfolios, benchmarking against any asset, a portfolio report, 10 years of company fundamentals and backtests on 30+ years of data
• Expert only: unlimited portfolios and the MCP connection to Claude and other AI apps

Which plan do you need?

A portfolio of 2 to 5 ETFs fits in the free plan, as long as you are happy to import a new broker report after you trade. Starter is the plan most investors need: it removes the holding limit and adds automatic sync for one portfolio. Investor makes sense if you want separate portfolios, for example one per broker or per family member, or if you want to compare your portfolio with an ETF of your choice. Expert is mainly for people who want to query their portfolio from an AI app.

How importing works

Snowball offers four ways to get your trades in. Which one you use depends on your broker.

1. Automatic broker connection

On paid plans, you can link a broker through Plaid, Yodlee or SnapTrade, and since January 2026 Snowball has a native integration with Interactive Brokers. Holdings and transactions then sync automatically every night. The catch is history: according to Snowball's help centre, brokers usually share only 90 to 200 days of transactions. To get your full dividend and performance history, you import a broker report from your first trade date as well.

2. Broker report import

For many European brokers, you download a statement and upload it through "Import a spreadsheet". This works on every plan. With DEGIRO, you export the Transactions report from the Inbox as a CSV file. With XTB, you export the full report in Excel from your account history. After new trades, you upload a new report covering the period since your last import.

3. Email auto-import

On paid plans, each portfolio can get its own email address. You set a rule in your mailbox that forwards your broker's emails with attached reports, and Snowball imports the trades and dividends. Each portfolio supports one broker.

4. CSV template and manual entry

If your broker is not supported, you can fill in Snowball's CSV template or add trades by hand. Cash, deposits and property can be added as custom assets.

How European brokers connect

^{Sources: Snowball import guides, changelog and dividend tracker page, November 2026.}

In practice, Interactive Brokers and Trading 212 users get the most hands-off setup. With DEGIRO or XTB, the import works well, but you have to upload a new report after you trade. Before you subscribe, start the free trial and check that your broker's file imports cleanly.

Features

Dividends: the main reason to use Snowball

Snowball adds every dividend you receive and builds a calendar of coming ex-dividend and payment dates. From your current holdings, it forecasts your dividend income month by month for the year ahead. It also shows your yield, your yield on cost and the dividend growth of each holding.

For European investors, one detail matters: you can set the withholding tax for the whole portfolio or for each holding. Snowball then shows your yield before and after tax, which gives a more honest picture of income from US stocks or ETFs.

The ETF look-through opens each fund you hold and shows which companies pay the dividends inside it. If you are weighing income against growth, our guide to the best accumulating ETFs explains the other side of that choice.

Performance

Snowball shows two returns. The time-weighted return (TWR) removes the effect of your deposits and withdrawals, so it is the fair one to compare with a benchmark. The money-weighted return (IRR) reflects the timing of your own deposits. Both include dividends and fees. You can compare your portfolio with index funds on every plan, or with any asset from the Investor plan.

Since October 2026, you can also choose between FIFO and average cost as the cost basis. This changes your average price, realised profit and capital gain figures.

Allocation and rebalancing

You can group holdings into categories, for example "core ETFs" and "dividend stocks", and set a target weight for each. The rebalancing tool then suggests what to buy to get back to your targets. On the free plan it only suggests purchases.

AI assistant and MCP

Since August 2026, Snowball has a built-in AI assistant for questions about your portfolio. On the Expert plan, it also offers an MCP connection, which lets Claude, Cursor and other AI apps read your holdings, transactions, dividends and forecasts. The calculations run on Snowball's side, and the AI app explains the results.

Tax reports

Snowball does not produce tax reports for any country. What it does offer helps you prepare one:

• FIFO or average cost: realised gains calculated with the method you choose
• Withholding tax: dividends shown before and after the tax you set
• Portfolio snapshot by date: the value of your portfolio on a chosen day, such as 1 January
• CSV export: holdings and transactions you can share with your accountant

None of this replaces your broker's annual statement. Snowball's figures are useful as a check, but you still need to apply your country's rules yourself.

Mobile app

Snowball released its iOS and Android apps in 2024. They show the same data as the website, with home screen widgets for portfolio value and top movers and push alerts for dividend events. Ratings are high: 4.8/5 on the UK App Store and 4.7/5 on Google Play, where the app has more than 50,000 downloads.

Security and privacy

• Read-only connections: Plaid, Yodlee and SnapTrade let Snowball read positions and transactions, not place trades or move money
• No stored broker logins: Snowball says it does not store your broker account credentials
• Encryption: your data is depersonalised and encrypted at rest
• EU company: Snowball Analytics SAS is based in France and says it follows the GDPR

Your investments stay with your broker and are covered by that broker's investor protection. If Snowball shut down, you would lose the tracker, not your investments.

What users say

^{Sources: Trustpilot, Apple App Store (UK) and Google Play, checked 12 November 2026.}

On Trustpilot, users praise the dividend views, the clean design and fast support, with many saying issues were fixed within a day. The most common complaints are about broker syncing, figures that do not match the broker and dividend forecasts from the data provider that are sometimes wrong.

Snowball Analytics vs alternatives

^{Sources: pricing pages of each provider, checked November 2026. Claude Personal Finance: Anthropic help centre.}

Snowball is the cheapest of the paid trackers here and the strongest on dividends. Sharesight is the better choice if you want currency gains split out and more detailed reports, but it costs more and caps Starter at 30 holdings. getquin is better if you want many broker connections for free, while Portfolio Performance calculates similar returns at no cost, with all the work done on your own computer.

Can Claude replace a portfolio tracker?

Not on its own, at least in Europe. Personal Finance in Claude is a beta for Claude Pro, Max and Ultra subscribers in the US, and it can only link US banks. Even there, Claude reads the balance of an investment account but not your holdings, trades or dividends. Anthropic also says the feature is not designed to give investment advice.

Snowball is one of the few trackers that already works with Claude. On the Expert plan, its MCP connection lets Claude read your Snowball portfolio, so you can ask about your holdings, dividends, projected income and performance in plain language. The tracker keeps the data up to date, and Claude helps you understand it. The catch is the price: the connection needs the €249.99 per year Expert plan.

Who is Snowball Analytics for?

Dividend investors

If you live off dividends or plan to, Snowball's calendar, income forecast and after-tax yield are hard to beat at this price. It also suits investors who hold dividend ETFs such as SCHD alternatives next to single stocks.

Investors with several brokers

Snowball combines several brokers and currencies in one portfolio, with a fair time-weighted return to compare against a benchmark.

Investors on a budget

At €79.99 per year for unlimited holdings, Starter costs less than the paid plans of Sharesight and getquin.

Who Snowball is not for

• Investors who want a free tracker for more than 10 holdings with automatic sync
• Investors who need a ready tax report
• Trade Republic or Scalable Capital users who do not want to work with CSV files
• Investors who want the interface in Dutch or Polish

Final verdict: is Snowball Analytics worth it in 2026?

Snowball Analytics is the best-value tracker for dividend investors among those we have reviewed. It follows every payment, forecasts your income and shows your yield after withholding tax. Its time-weighted and money-weighted returns are sound, and the Starter plan costs €79.99 per year with no holding limit.

The weak points are imports and taxes. Automatic connections bring in only a few months of history, several popular European brokers need a report upload after each trade and there are no tax reports.

Our recommendation: use the 14-day trial to import your full history and check the figures against your broker. If they match and you care about dividends, Starter is enough for most investors.

Frequently asked questions

Is Snowball Analytics free?
Yes, for 1 portfolio with up to 10 holdings, with no time limit. The free plan includes broker report import but not automatic sync. Paid plans start at €79.99 per year.

How much does Snowball Analytics cost in Europe?
Starter costs €79.99 per year, Investor €149.99 per year and Expert €249.99 per year. Monthly billing costs €7.99, €14.99 and €24.99.

Does Snowball Analytics work with DEGIRO?
Yes, through report import. Snowball's DEGIRO guide has you export the Transactions report from the Inbox as a CSV file and upload it. After new trades, you repeat the import.

Does Snowball Analytics work with Trading 212 and Interactive Brokers?
Yes. Interactive Brokers has a native automatic connection, and Trading 212 can connect automatically on a paid plan. You can also import reports from both.

Is Snowball Analytics legit and safe?
Snowball Analytics SAS is a French company founded in 2021. Its broker connections are read-only, it says it does not store your broker logins and your data is encrypted at rest. Your investments stay with your broker.

Does Snowball Analytics make tax reports?
No. It calculates realised gains with FIFO or average cost and shows dividends after withholding tax, but you need to prepare your tax return yourself or with an accountant.

_{Disclaimer: This article is for informational purposes only and does not constitute financial advice. Investing involves risk, including the potential loss of your invested capital. Prices and features may change: check Snowball Analytics' website before subscribing.}