MyFund Review 2026 — Polish Portfolio Tracker Verdict

TL;DR

MyFund is the de facto Polish portfolio tracker — quietly built, locally focused, and battle-tested through nearly two decades of Warsaw Stock Exchange (GPW) market cycles. Pricing in 2026 is straightforward: a Free tier sufficient for most retail users, and a Premium tier at 19 PLN/month that unlocks unlimited portfolios, advanced analytics, and full PIT-38 export. It supports Polish brokers natively (Bossa, mBank Inwestor, ING Inwestor) plus XTB and Interactive Brokers via CSV, includes a built-in Belka tax calculator, and generates PIT-38 documentation that maps directly to Polish tax filing. Best for Polish residents holding GPW-listed equities, Polish ETFs, and Polish mutual funds (TFI). Worst at: international broker auto-imports, crypto (basic), polished mobile UX, and English-language support. Verdict: irreplaceable for serious Polish retail investors filing PIT-38 every year, awkward for international users who happen to encounter the brand.

Why Portfolio Trackers Matter for Polish Investors in 2026

Polish retail investing has changed dramatically since 2020. The introduction of IKE and IKZE tax-advantaged wrappers, the rise of low-cost ETFs through XTB and DEGIRO, and a wave of new investors entering during pandemic-era market volatility all created a generation of Polish investors with multi-broker, multi-currency portfolios. Yet the Polish tax system — specifically PIT-38, the capital-gains return — remains complex: foreign dividends, the 19% Belka tax, currency conversion at NBP rates on transaction dates, and treatment of mutual funds versus stocks all require careful documentation.

International tools (Sharesight, Snowball, getquin, Empower) do not handle PIT-38. Their tax reports target Australian CGT, US 1099, German Steuerreport, or UK capital gains. Polish investors who use these tools end up exporting raw data and reconstructing PIT-38 manually each spring. MyFund was built explicitly to remove that friction. Founded in 2008 in Warsaw, the platform has been refining its Polish-tax-aware tracking for nearly two decades — longer than most competitors have existed. Many investors consider it the unofficial standard among serious Polish retail investors, even though it has never raised significant venture capital and has never marketed aggressively outside Poland.

Key Facts at a Glance

How MyFund Works

You sign up via the web (the mobile apps are companions, not entry points), create a portfolio, and start adding transactions either manually or via CSV import from your broker. Bossa, mBank Inwestor, and ING Inwestor have well-mapped CSV templates that handle Polish-specific quirks: WIG20 instrument tickers, Polish bond identifiers, TFI fund codes, and the NBP-rate conversion logic that PIT-38 requires. XTB and IBKR CSV imports work but require slightly more attention to mapping.

Once trades land, MyFund prices everything against GPW closing data, applies NBP exchange rates for the transaction dates, and builds a portfolio view in PLN regardless of the underlying currency. The Belka tax calculator runs continuously in the background, showing you a running estimate of the 19% capital gains tax owed if you closed every position today. This is the single most important feature for Polish investors: it removes the spring-tax-season scramble and gives a year-round view of effective after-tax returns.

The PIT-38 export is the closer. At year-end you export a fully populated PIT-38 form (in PDF or printable form) with all gains, losses, dividends, and foreign-source withholding correctly allocated. Many investors consider this alone worth the Premium subscription — accountants charge 200-500 PLN to prepare a PIT-38 manually, and MyFund effectively automates the work for under 200 PLN per year.

IKE and IKZE wrapper handling is a quietly important feature for Polish investors. Both wrappers shelter capital gains and dividends from the 19% Belka tax (with different deposit limits and tax mechanics: IKE is post-tax-in/no-tax-on-gains, IKZE is pre-tax-deductible-in/flat-tax-on-withdrawal). Most international trackers ignore the distinction entirely and would over-report taxable gains. MyFund tracks IKE and IKZE separately, applies the correct tax-free treatment, and feeds only the taxable-account portion into PIT-38. This is the kind of detail that takes years of Polish-specific product development to get right.

Performance metrics include time-weighted return, money-weighted return (IRR), capital gain, total return, and Sharpe ratio. Benchmarks include the WIG, WIG20, mWIG40, and any custom index. The Sharpe ratio inclusion is unusual for retail trackers and reflects MyFund's heritage of serving slightly more sophisticated Polish retail investors than the typical neobank-app crowd. Reports can be filtered by date range, by portfolio, by account, by asset class, or by custom tag, and exported to PDF or Excel.

Pricing Breakdown

MyFund pricing in 2026 is unusually simple and unusually cheap:

• Free — one portfolio, basic transactions, basic reports, manual entry. Useful for testing or small static portfolios.
• Premium — 19 PLN/month (~EUR 4.50) — unlimited portfolios, all reports, PIT-38 export, Belka calculator, all CSV imports, advanced analytics, IKE/IKZE wrapper handling.
• Premium Annual — typically discounted to roughly 190 PLN/year, effectively about 16 PLN/month.

That is the entire pricing structure. There is no enterprise tier, no advisor tier, no holdings cap on Premium. At 19 PLN/month, MyFund is roughly half the price of getquin Pro, a quarter of Snowball Pro, and a fifth of Sharesight Investor. For Polish investors who do not need international auto-imports, the value-for-money is the best in the category — particularly because the PIT-38 feature genuinely saves accountant fees.

The pricing has been remarkably stable. MyFund has not aggressively raised prices despite running for nearly two decades, and the Premium tier in 2026 is still in the same single-digit-EUR range it was at launch. For a small Polish team without VC backing, this restraint reflects genuine bootstrapped economics rather than growth-at-all-costs pricing.

Best For / Not For

MyFund wins when you:

• Are a Polish tax resident filing PIT-38 every year.
• Hold GPW-listed Polish equities, Polish ETFs (Beta ETF WIG20TR, MSCI Poland), or Polish TFI mutual funds.
• Use Bossa, mBank Inwestor, or ING Inwestor as your primary broker.
• Need IKE or IKZE wrapper tracking with correct tax-free treatment.
• Want a Belka tax calculator running year-round, not just at filing time.
• Care about NBP-rate-based currency conversion accuracy.

MyFund is not the right tool when you:

• Are based outside Poland and do not file PIT-38.
• Custody primarily at international brokers (Trade Republic, Scalable Capital, eToro) — coverage is thin.
• Want a polished mobile-first experience like getquin or Snowball.
• Prefer English-language UI and support.
• Hold significant crypto with complex DeFi exposure.
• Want social investing features.
• Need full bank account aggregation alongside investments.

Common Pitfalls

User reviews on Polish finance forums (Bankier.pl, Reddit r/Polska_2050, finansowekomandos discussions) cluster around recurring complaints in 2026:

• Mobile app trails web significantly — most users do all real work on the web, and the mobile apps are essentially read-only views.
• CSV mapping for newer brokers is manual — when a Polish broker tweaks its CSV format (Bossa has done this several times), MyFund users sometimes have to wait for an updated template.
• English UI is partial — most labels translate, but help text, error messages, and some report sections remain in Polish only.
• Limited international coverage — Trade Republic, Scalable Capital, Revolut Trading, and most non-Polish brokers require manual entry.
• Crypto is afterthought — basic coverage only, no exchange API integrations.
• No bank aggregation — for a true net-worth view (banking + investments), you need a separate tool.
• UI feels dated — the web interface has been incrementally updated but still looks like a 2010s product, which younger investors sometimes find off-putting.
• Customer support is small — response times can be slow during PIT season (March-April).
• No social or community layer — for investors who like getquin's social investing, MyFund feels solitary by comparison.
• Onboarding is technical — the first-portfolio setup assumes you understand cost basis, NBP rates, and CSV column mapping. Beginners sometimes bounce.

European Broker Coverage

This is MyFund's strongest area for Polish brokers and weakest for international ones. Coverage in 2026:

• Bossa (DM Banku Ochrony Środowiska) — supported via CSV, well-mapped, primary use case.
• mBank Inwestor — supported via CSV.
• ING Inwestor — supported via CSV.
• XTB — supported via CSV (the international standard for Polish investors).
• Interactive Brokers — supported via Flex Query CSV.
• DEGIRO — supported via CSV.
• Trading 212 — manual entry or CSV.
• eToro — manual entry or basic CSV.
• Trade Republic — manual entry only.
• Scalable Capital — manual entry only.
• Revolut Trading — manual entry only.
• Crypto exchanges — manual or CSV only.

For Polish investors who custody primarily at Bossa, mBank Inwestor, ING Inwestor, or XTB, MyFund's coverage is unmatched. For investors with significant Trade Republic, Scalable Capital, or Revolut Trading exposure — increasingly common among younger Polish investors — the manual-entry overhead becomes painful, which is where pan-European tools like Freenance or getquin become more practical complements or replacements.

A common pattern in 2026 is to run MyFund as the "tax brain" — it owns the canonical PIT-38 view — while tracking month-to-month performance and net worth in a more polished tool. Rebuilding the canonical PIT-38 source of truth at year-end is genuinely difficult; running a parallel view of performance is not.

Alternatives to Consider

• Sharesight — deeper international coverage and AU/NZ/UK/CA tax reports, USD$12/mo+ — but no PIT-38, weaker for Polish brokers.
• Snowball Analytics — USD$9.99/mo Pro, multi-asset including strong crypto, no PIT-38, weaker Polish broker coverage.
• getquin — free freemium, mobile-first, strong Trade Republic and Scalable, no PIT-38.
• Empower (formerly Personal Capital) — free, US-only, irrelevant for Polish residents.
• Freenance — multi-currency net worth and portfolio tracker built for European investors with broader EU broker support including CEE neo-brokers and native PLN/EUR/USD reporting. A natural complement for Polish investors who use MyFund for PIT-38 but want broader broker coverage and net worth tracking in one tool.

FAQ

Is MyFund free? There is a Free tier with one portfolio and basic features. Most serious users upgrade to Premium at 19 PLN/month for unlimited portfolios, PIT-38 export, and full CSV imports. Premium is the most cost-effective tier in the entire portfolio-tracker category — particularly relative to the value the PIT-38 export delivers.

Does MyFund handle PIT-38? Yes — this is its flagship feature. At year-end, MyFund generates a fully populated PIT-38 export with all gains, losses, dividends, and foreign-source withholding correctly allocated using NBP rates on the relevant transaction dates. Many investors consider this single feature worth the entire annual subscription. The output maps directly to the official PIT-38 form and can be filed with minimal accountant intervention, which is unusual in this category.

Does MyFund support Trade Republic or Scalable Capital? Not natively. Trade Republic and Scalable Capital integrations are manual entry only. Polish investors using these brokers typically combine MyFund with getquin or Freenance for a more complete picture, especially as Trade Republic has gained meaningful share among younger Polish retail investors since launching its Polish marketing in 2024.

Is MyFund good for crypto? Basic. Manual or CSV entry, no exchange API. If crypto is more than a small slice of your portfolio, you will need a separate crypto tracker (Snowball, Koinly, CoinTracker) or a tool like Freenance for unified multi-asset tracking. Polish crypto tax treatment (separate from PIT-38, on PIT-38 line for some categories of disposals) is a moving target and MyFund has historically prioritised stocks-and-bonds correctness over crypto coverage.

How does MyFund compare to international tools for Polish investors? MyFund wins on Polish-specific features: PIT-38, Belka calculator, IKE/IKZE wrappers, GPW coverage, NBP-rate conversion. International tools win on UX polish, mobile experience, social features, and international broker auto-imports. Most serious Polish retail investors end up using MyFund alongside one international tool. MyFund itself is a tool, not investment advice — and the team explicitly notes this throughout the product, in line with KNF guidance.

Does MyFund handle Polish bonds (obligacje skarbowe)? Yes. Polish retail treasury bonds (OTS, OTM, ROR, DOR, COI, EDO, ROD, ROS) are tracked with correct interest accrual and tax treatment, including the wrapper differences for IKE-purchased bonds.

Is the English UI usable for non-Polish speakers? Partially. Core menu labels, transaction entry, and reports translate, but help text, error messages, and some report sections remain in Polish. A non-Polish speaker can use MyFund but will need translation tooling for anything beyond standard flows.

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This article is informational only. MyFund is a tool, not investment advice.