Where the others can't go.
Most US-built portfolio trackers run on Plaid — which means they need your bank password, which means they don't work in most of Europe. We took a different route. Here's the honest scorecard.
| FEATURE | MILLEFOLD | MONARCH | YNAB | POCKETSMITH | EMPOWER |
|---|---|---|---|---|---|
| EU brokers (Trading 212, Revolut, Trade Republic, DEGIRO) | ✓Native CSV detection for 8 brokers + generic column-mapper | ×Plaid US-only | ×Budget tool, not a portfolio tracker | ~Yodlee feeds — limited EU broker coverage | ×US-only |
| Connects without bank passwords | ✓CSV in, no credentials stored | ×Plaid requires bank login | ×Plaid + direct bank links | ×Yodlee requires bank login | ×Bank login required |
| Encryption at rest of net worth / position values | ✓AES-256-GCM per-user key, operator can't read in plaintext | ~Disk-level encryption only | ~Disk-level encryption only | ~Disk-level encryption only | ~Disk-level encryption only |
| EU-resident data hosting | ✓Supabase EU + Cloudflare global edge | ×US-resident | ×US-resident | ×AU / US-resident | ×US-resident |
| No third-party analytics / ad SDKs in product | ✓Only PostHog EU for errors (PII stripped) | × | × | × | ×Advisory referral business model |
| Discipline score / behaviour scoring | ✓Score grades you, not your holdings | × | ×Budget rules, not portfolio behavior | × | ~Retirement-readiness score |
| Long-horizon projection (10-40 years, real returns) | ✓Built-in. Real + nominal toggle. 4 rate presets. | ~Goal tracker; not a real projection | × | ✓ | ✓Heavy advisor upsell |
| Free tier (no card required) | ✓Founder cohort = €0 forever (1k cap) | ×$14.99 / mo after trial | ×$14.99 / mo | ~Free tier with 12 accounts | ✓Free product, advisor cross-sell |
| Pricing (paid tier, yearly) | €6/mo | $8/mo | $8.25/mo | $9.95/mo | Free* AUM advisor fees |
What the table doesn't show: Monarch and Empower have years of polish, mobile apps, household-shared accounts, and auto-categorisation we don't. YNAB has the best budget UX on the market — we don't do budgeting. PocketSmith's forecasting UI is excellent.
Where we're different:we're built for a person who keeps their financial life in spreadsheets right now because no EU-resident tool will read their broker. We don't sit between you and your bank. We don't see your net worth — we just give you the math.
If you're US-based with a Schwab/Fidelity/Vanguard 401k that Plaid already reads:Monarch or Empower probably fits better. If you have a Trading 212 ISA, a Revolut Crypto portfolio, a mortgage in Lithuania, and you don't want any of that crossing the Atlantic — we built this for you.
Comparisons reflect public marketing pages + public docs of each competitor at the time of writing. If something here is out of date, email hello@millefold.com and we'll fix it. We don't take affiliate fees from any of these products and we don't mind linking to them.