To import holdings from IBKR, XTB, and Revolut for net-worth tracking, you must export your portfolio as a CSV file from each broker's reporting dashboard and upload it into your chosen tracking tool. As European retail investors grow their wealth, they often end up opening multiple brokerage accounts to access different markets, avoid regional platform risk, or secure the lowest transaction fees. While this strategy is highly practical, it creates a significant administrative headache when you want to see the total value of your investments in one place.
Contents
- Why consolidating your portfolio data matters
- Extracting data from Interactive Brokers
- Exporting your portfolio from XTB
- Getting your investment data out of Revolut
- Normalising CSV files for your tracking tool
- Measuring your progress toward financial independence
Why consolidating your portfolio data matters
It is very common for a retail investor in Europe to hold an accumulating exchange-traded fund with one broker and a handful of individual stocks with another. You might have started your investing journey using a highly accessible app before transitioning to a more complex, institutional-grade platform as your portfolio grew. The problem is that brokers rarely design their interfaces to talk to one another. Keeping your total portfolio value in your head becomes impossible as soon as you factor in daily price fluctuations and currency exchange rates.
Consolidating your brokerage data into a single net-worth tracker is the most reliable way to monitor your progress toward financial independence. Without a unified view, you cannot accurately apply the standard withdrawal models or calculate your timeline to retirement. By maintaining a single source of truth, you can see your asset allocation across all accounts, ensuring you are not accidentally overexposed to a specific sector or geography just because those assets are split across different platforms.
If you want to understand how standard index funds fit into this broader picture, you can read our detailed guide on How ETF investing works for beginners in Europe. Once you have a firm grasp of your overall asset base, tracking becomes a routine maintenance task rather than a mathematical puzzle.
Extracting data from Interactive Brokers
Interactive Brokers (IBKR) offers one of the most powerful reporting engines available to retail investors, but its interface can feel overwhelming. To get your data out of IBKR for a net-worth tracker, you will need to bypass the standard PDF statements and use a feature called a Flex Query. A Flex Query allows you to select the exact data columns you need, such as ticker symbols, International Securities Identification Numbers (ISINs), quantity of shares, and current market value, and export them into a machine-readable CSV format.
Interactive Brokers complies strictly with ESMA regulations regarding transparent reporting and asset segregation for European clients. Because of these robust reporting requirements, the data you pull from IBKR is incredibly precise, capturing fractional shares down to eight decimal places and detailing every corporate action. Creating a custom Flex Query requires a few deliberate steps.
- Log into the Interactive Brokers Client Portal from a desktop browser.
- Navigate to the Performance and Reports menu, and select the Flex Queries option.
- Create a new Activity Flex Query, ensuring you select the 'Open Positions' data block.
- Choose CSV as your output format and select the specific columns your tracking tool requires, such as Symbol, ISIN, Quantity, and Cost Basis.
- Save the query template and run it to download your raw data file.
Creating a reusable query means that your next export will only take three clicks. Automation is the secret to successful long-term portfolio tracking, as it removes the friction of manual data entry.
Exporting your portfolio from XTB
XTB is widely used across Europe because it offers zero-commission ETF trading for monthly volumes up to 100,000 EUR, making it a staple for many cost-conscious investors. The broker uses a proprietary trading platform called xStation 5, which provides a clean, modern interface but has different data export pathways compared to legacy brokers. To extract your holdings, you must use the web version of xStation 5, as the mobile application does not support advanced CSV exports.
Exporting from XTB is straightforward, though the platform focuses heavily on trading history rather than just static snapshots of your open positions. You must navigate to the history tab to generate the correct file. The platform allows you to pull historical data covering up to 365 days in a single export window, which is useful if you are trying to reconstruct your trading ledger for tax purposes.
- Log into the xStation 5 web platform on your computer.
- Locate the History tab at the bottom of your main workspace.
- Filter the view to show your current open positions or your cash operations.
- Click the 'Export to CSV' button located in the top right corner of the history panel.
- Save the file to your computer and review the columns to ensure your fractional ETF units are correctly formatted.
Your XTB export provides a clear snapshot of your current volume and average purchase prices. Maintaining clean records of these purchase prices is vital for determining your taxable gains when it is time to sell your assets.
Getting your investment data out of Revolut
Many European investors buy their very first fractional share on Revolut because the barrier to entry is virtually non-existent. Revolut routes its stock trading features through DriveWealth, a specialised clearing broker based in the United States. While the app is incredibly user-friendly for buying and selling, getting structured data out of the platform requires a bit more effort because the interface prioritises mobile convenience over complex spreadsheet generation.
Revolut does not offer a customisable API or a flexible query tool for retail investors. Instead, you must rely on monthly account statements. Revolut generates statements for a 30-day period, and you can download these directly from the investing section of the app. You must typically download an Excel format statement rather than a PDF if you intend to map the data to a net-worth tracker.
Extracting data from an app-first environment reminds you that convenience on the front end often means less flexibility on the back end. Once you have downloaded the monthly Excel file from Revolut, you will usually need to delete several rows of formatting text before the data is clean enough to import into a dedicated tracking software.
Normalising CSV files for your tracking tool
Once you have downloaded your CSV files from IBKR, XTB, and Revolut, you will immediately notice that no two brokers format their data exactly the same way. One broker might use the column header 'Ticker', while another uses 'Symbol', and a third might only provide the full company name. Normalising this data means editing your files so that they share a uniform structure before you upload them into your net-worth tracker.
The most important identifier in your export is the ISIN code. Ticker symbols can vary depending on which European exchange you purchased the asset on, but the ISIN is globally unique. If your tracker supports ISIN mapping, always use this column to identify your funds to avoid confusing a euro-denominated asset on the XETRA exchange with a dollar-denominated asset on the London Stock Exchange.
You must also format your date columns to a standard configuration, such as the YYYY-MM-DD standard, to prevent your tracker from confusing the day and the month. Preparing your data correctly ensures that your total portfolio value is calculated without duplication errors or missing assets.
Measuring your progress toward financial independence
The entire purpose of importing holdings for net-worth tracking is to measure your progress against your FIRE movement goals. You cannot know if you are on schedule to retire early unless you have a firm grasp of your combined portfolio balance. When you project your future wealth, you must rely on rational mathematical baselines rather than optimistic guesswork.
For our illustrations, we always use the same baseline assumptions. This is an illustration and not a forecast: we assume a nominal expected return of 7.0% a year, inflation of 2.5% a year, a real return of about 4.4% a year, and a safe withdrawal rate of 4% using the 25x rule. If you are subject to Romanian taxes, we assume the Romanian capital gains tax of 10% flat on net gains. You can verify current tax thresholds directly with ANAF, the national tax authority, to ensure your post-tax projections remain accurate.
By applying these figures to your newly consolidated portfolio value, you can begin mapping out milestones. You might want to explore How to calculate your Coast FIRE number in Europe to see if your current combined assets have already reached a self-sustaining critical mass. The clarity that comes from seeing all your investments in one neat dashboard is profound. Once your tracking system is set up, maintaining it only requires a few minutes of file exporting each month, leaving you free to focus on earning, saving, and letting your wealth compound.
To read more plain-word guides on managing your wealth and navigating the European investment landscape, feel free to explore our blog.