Everything you need for your portfolio
Birikimli helps individual investors follow their portfolio in a clean interface, in lira, dollars and gold. It doesn't trade and never connects to your accounts.
The web and mobile apps, emails and reports are available in English and Turkish; legal documents are in Turkish.
Every asset in one portfolio
Turkish (BIST) and US stocks and ETFs, mutual and pension funds, crypto, FX, and gram gold and silver, side by side.
- Profit and loss on an average-cost basis, fees included
- Realized gains and dividends reported separately
- Allocation by asset class and by individual holding
Returns in lira, dollars or gold
Every transaction is recorded at that day's exchange rate (and gram-gold price).
- See how much of your gain comes from the asset and how much from the currency
- Switch the whole portfolio between lira, US dollars and grams of gold in one click
Inflation-adjusted (real) returns
What did your money really earn? Every purchase, sale and dividend is carried to today's money using Turkish CPI at its own date.
- Your gain above (or below) inflation in a single figure
- The same method in the monthly report and the free calculator
- Source: TurkStat CPI; months not yet published are never estimated
Annualized true returns: XIRR and TWR
The right answer to "what did I really earn per year?" when you keep adding and withdrawing money.
- XIRR: your personal annualized return, accounting for when you put money in and took it out
- TWR: portfolio performance with the effect of cash flows removed; the one to compare with an index
- Paired with real returns: the same cash flows are CPI-adjusted to give an inflation-free annual return
Manual assets: deposits, real estate, gold jewelry
Add the assets that have no market price so your true net worth is in one place.
- Term deposits and repo: enter the rate and maturity, the value grows daily; you are notified before and at maturity
- Real estate, vehicles, eurobonds, government bonds: set the current value yourself (or an annual value change)
- Gold jewelry: enter grams and karat, the value follows the live gram-gold price
Bonus issues, rights issues and splits
If a bonus issue is not applied, cost basis and profit/loss are wrong. Apply it in one click when it is announced.
- Bonus issues and splits detected from market data show up as an "apply" suggestion in your portfolio
- Quantity, average cost and chart history are computed correctly without editing past transactions
- A rights-issue subscription is recorded as a purchase of the shares you took up, at the right price
TEFAS funds
Turkish mutual funds, pension (BES) funds and exchange-traded funds in your portfolio.
- Search by fund code or name (e.g. TTE)
- Daily fund prices and up to five years of history
- Fund codes in your broker's export are recognised on import
Dividend tracking
Record the dividends you receive and see the yield of every holding.
- Monthly and yearly dividend charts
- Current yield and yield on cost
- A 12-month forecast calendar based on last year's payments
Investment goals
Set goals like “1 million lira in 5 years” and follow your progress.
- A progress bar driven by your portfolio's current value
- The monthly saving needed to reach the goal at your expected return
- Compare with your own plan: are you on track?
Financial independence (FIRE) planner
Answers “how much do I need to spend 60,000 lira a month, and in which year will I get there?” with inflation built in.
- The target nest egg, the year you reach it and its nominal value on that day
- How far the date slips if you don't raise your savings with inflation
- A probability simulation: your odds of being free by that year if returns fluctuate
- How the year shifts if returns, the withdrawal rate or your monthly saving change
Portfolio health score and “watch this month”
Concentration, risk, cost, dividend income and discipline in one 0-100 score, with what deserves your attention this month.
- A transparent score with fixed thresholds, the same for everyone, and a component breakdown
- Warnings for single-asset or single-sector concentration, high correlation and deep drawdowns
- Commission drag, drift from your target, lagging inflation and upcoming maturities
- Can be added to your monthly report email
Broker cost analysis
“How much have I spent on these trades?” The commissions you paid and estimated withholding tax on one card.
- Commission breakdown by year, month, broker, portfolio and asset
- Average commission rate (per mille) and the gap between brokers
- Commission as a share of your portfolio and gains; estimated dividend and interest withholding
Stock and fund screener
Filter stocks by P/E, P/B, dividend yield, profitability and leverage, and TEFAS funds by return and risk. No sign-in required.
- Ready-made screens such as high dividend, low multiples and high profitability
- BIST and US stocks; mutual, pension and exchange-traded funds
- A public, shareable page for every stock and fund
Recurring-buy (DCA) plans
Set up a plan like “X lira into this asset every month”; the purchases you log are matched to the plan automatically.
- Planned vs. actual, streaks and missed periods
- Push or email reminder on the plan day
- Pending buys included in your weekly/monthly email digest
Performance vs. the market
Compare your portfolio's return with BIST 100, the S&P 500, the dollar, gram gold and inflation on one chart from the same start date.
- Time-weighted (TWR) portfolio line, unaffected by deposits and withdrawals
- Benchmarks converted to your display currency (lira, dollars or gold)
- A clear answer to “did I beat inflation?”
Rebalancing
Enter a target allocation and see exactly what to buy and sell.
- Rebalance by buying and selling, or with new money only (no selling)
- Units and amounts for every asset, with the expected weights afterwards
- You can add assets you don't hold yet to the target
- An alert when a weight drifts from its target by the margin you choose
Realized gains and tax statement
Get a yearly sales statement in lira, grouped by asset class.
- Proceeds, cost and gain or loss per sale, plus dividend totals
- PDF and CSV output you can hand to your accountant
- It does not calculate tax; filing still needs official sources and professional advice
Market calendar and date alerts
Turkish central bank (MPC) meetings, Fed decisions and TurkStat inflation releases.
- Earnings and dividend dates for the stocks in your portfolio and watchlist
- Push and email notices as those dates approach
- Estimated dates are clearly marked
News feed
Current economic headlines on one screen.
- Headlines that match your holdings appear under “Related to my portfolio”
- Articles open on the publisher's own site
Alerts, notifications and monthly report
Email and phone notifications when a price target is reached, and a performance summary every month.
- Email and push notifications for price alerts
- Optional daily gain notification and weekly digest
- Monthly report: return, dividends, top movers and inflation-adjusted return
Portfolio history and benchmarks
How have value and cost changed over time?
- Compare against BIST 100, the dollar, gram gold or the S&P 500 with the same money
- Charts from one month to five years
Risk dashboard and stress test
See the health and resilience of your portfolio at a glance.
- Annualised volatility, Sharpe ratio, maximum drawdown and 1-day VaR
- Correlation matrix between holdings and each holding's contribution to risk
- Sector, country and currency concentration ("70% of your portfolio is in one sector")
- A "what if the dollar rises 10% or BIST falls 20%?" stress test
Portfolio sharing
Share your portfolio as a read-only link or card.
- Percentages only by default; amounts stay hidden
- Show amounts if you choose, and revoke the link at any time
- A card image ready for social media
Shared (family) portfolios
Manage one portfolio together with a partner, family or co-investor.
- Invite by email; nothing is shared until the invitee accepts
- Viewers can only look; editors can add transactions
- Up to five people per portfolio, removable at any time
Two-step verification and passkeys
An account that holds your financial data should not rely on a password alone.
- A 6-digit code from an authenticator app, or a passkey with fingerprint/face
- One-time recovery codes in case you lose your phone
- Download all your data as a ZIP in one click and delete your account any time
API, webhooks and Sheets / Excel
Keep your portfolio live in your own tools too.
- Read-only or read-write API keys with an OpenAPI definition
- Signed webhooks for alerts and transactions (Zapier, Make, n8n)
- Live data in Google Sheets and Excel with a single formula
Tags and an investment journal
Group your holdings by purpose and keep the reasoning behind your decisions.
- Tags like “long term” or “retirement” with the value and return of each group
- “Why did I buy this?” notes shown next to the trade price and today's price
- A journal that helps you spot emotional decisions
Peer comparison and community
Where does your portfolio stand against investors of a similar size? Optionally publish it under an alias.
- Anonymous and opt-in: nothing is shown unless the same size band has at least 10 other participants
- Followable public portfolios: percentages only, no amounts or identity
- Leave any time; your data is deleted
Home screen widgets
See your portfolio value and today's change without opening the app.
- Small and medium widgets for the iPhone and Android home screen and the lock screen
- Hide amounts and show percentages only
Import from Excel and CSV
Bring your existing transaction history over in minutes.
- Columns are recognised automatically, with a preview before saving
- Re-uploading the same file never creates duplicates
Information, calculations and news in the app are not investment advice; market data may be delayed. The tax statement is an informational summary, not a ready-to-file result.