Helvestor
Free app that aggregates all your brokerage accounts and scores your portfolio for risk and diversification, without bank login
🔗 Visit Helvestor
Description
If your investments are spread across two or three brokers, actually knowing whether you're diversified means opening each app separately and doing the math yourself. Helvestor's answer is to pull the picture together in one place and have AI explain, in plain terms, what your combined portfolio is actually doing.
Helvestor is a Swiss portfolio-aggregation app that lets investors combine holdings from multiple brokerage accounts without connecting bank credentials, then applies an AI-generated score for risk, diversification, and cost across the combined portfolio. It's explicitly positioned as neither a robo-advisor nor a simple balance tracker — it doesn't manage money, it explains what you already hold. The app is free with no stated paid tier, targets German/English-speaking Swiss investors, and is built around Swiss data-protection standards.
💬 Our review
The short version: for a Swiss investor juggling multiple brokers, Helvestor is worth a look precisely because it's free and doesn't require handing over bank credentials — the main thing to verify yourself is how it makes money with no visible paid tier, since that's unusual for a fintech product.
Compared to Finary (popular in France, broader asset coverage) or generic "net worth tracker" apps, Helvestor's focus is narrower — Swiss-market investors specifically — and its no-bank-login approach differs from aggregators that rely on Open Banking connections. The free, full-featured pricing is a genuine positive for users, but it also means asking how the company sustains itself long-term is a fair question before trusting it with portfolio data. The Android app being in beta is a minor rough edge; the bigger limitation is that value depends entirely on how good the AI risk/diversification scoring actually is in practice, which is hard to verify from the marketing site alone.
📊 Global score
🤖 AI-enriched data
Complètement gratuit, sans carte de crédit requise, aucun plan payant visible sur le site.
Pros
Agrégation multi-compte sans connexion bancaire requise
Accès entièrement gratuit, sans carte de crédit ni limite de fonctionnalités affichée
Score IA du portefeuille sur risque, diversification et coûts, expliqué en langage clair
Cons
Limité au marché suisse et à l'audience germanophone/anglophone
Application Android encore en version bêta
Aucun modèle économique visible malgré la gratuité totale, à vérifier avant d'y confier ses données