Short, straight answers to what people ask before and after they install Stonqs: what it costs, where your data goes, how the import works and what the numbers mean.
There isn't one. Stonqs is open source under the AGPL: no paid tier, no ads, no account. There's also nothing to sell, because your data never leaves your computer. If paid extras ever appear, they'll be things that cost money to run, like sync between devices, and never a lock on what's free today.
For people who invest on their own and have outgrown a spreadsheet: a few brokers, more than one currency, dividends from all over, and the nagging question of whether the portfolio is doing well or just growing because you keep paying in.
Stonqs is an independent project from Germany, and its author tracks a real portfolio with it every day. If development ever stopped, the app you have would keep running, the code would stay public under the AGPL, and your portfolio would still be a standard SQLite file that any SQLite tool can open. You can export your transactions at any time.
It's an alpha, version 0.x. The calculations are covered by tests and the author uses it with real money, but expect rough edges and keep your broker statements. Before every database upgrade, Stonqs saves a copy of your data next to it.
No. Stonqs records and analyses what you already own. It makes no recommendations, and neither does its assistant. For anything that matters, especially your tax return, check the figures against your broker's statements.
On your computer, in a database file inside your profile folder. There's no account and no server. Set a password on the profile and the file is encrypted.
No. There's no server that could hold it. To fetch prices, Stonqs sends the ticker it needs to the data source you chose, and that's all. Your holdings and amounts go nowhere, unless you switch on the AI assistant and let it read them.
Copy the database file in your profile folder, like any other file. That one file is the whole portfolio. A copy of an encrypted database stays encrypted.
There's no automatic sync, because there's no server to sync through. To move a portfolio to another computer, copy the profile folder across.
Then that profile's data is gone. There's no reset and no back door, which is the whole point of the encryption. The password is optional until you save a key for an AI provider, so only set one you'll keep.
Yes. Every figure is calculated on your computer. You only need a connection to fetch new prices and exchange rates, and you can always enter prices by hand.
Yes. Stonqs reads any CSV. You tell it once which column is which, check every row before it's saved, and keep the mapping as a layout for next time. Interactive Brokers Flex statements are read directly.
No, and that's deliberate: Stonqs never asks for your broker login. You download an export from your broker and import it. Importing a file again adds only the rows that are new, so a monthly update stays quick.
Yes. Exports from Parqet, Delta, CoinTracking are recognised as they are. From Excel or any other tracker, save a CSV and map its columns once.
Not yet. Stonqs reads CSV and Interactive Brokers Flex XML. If your broker's export doesn't import cleanly, open an issue on GitHub with five anonymised rows and the header row.
Because they answer two different questions. Time-weighted return shows how your investments did, with deposits and withdrawals taken out; compare that one with an index. Money-weighted return shows how you did, with the timing of your money included.
Usually because the broker counts something else. Many broker apps show the gain on what you hold today against what you paid for it, and fresh deposits move that figure. Stonqs separates the money you paid in from the money the market made, and covers all your accounts at once, sold positions included.
Shares, ETFs, funds and crypto, in cash and securities accounts in any currency. Anything without a public price, you can value by hand.
Yes. Every dividend keeps the tax withheld at source as its own entry, so yields are based on the gross payment. You see income by year and by instrument, and the payments still to come.
No, but it gets the numbers ready. Reports list realised gains, dividends with the tax withheld, and the fees and taxes you paid, for any period, and export them to CSV for you or your tax adviser. What you owe depends on your country's rules, so Stonqs doesn't calculate it.
Both. FIFO is the default, and you can switch the portfolio to average cost. For a partly sold position, the positions table shows both methods side by side.
Yes. Each account keeps its own currency, each trade keeps the exchange rate of its day, and every total is shown in the base currency you pick. The part of a result that came from the exchange rate is shown separately.
When a data source reports a split, Stonqs offers it to you instead of applying it by itself, because it can't know whether your broker already adjusted the position. Accept it, and the lots are adjusted with the same total cost.
Yes. Choose the region where you spend your money, and real returns appear next to the nominal ones, based on Eurostat or IMF price indices.
macOS 12 or newer on Apple Silicon and Intel, Windows 10 and 11 (64-bit), and Linux on x86-64. There's no phone app yet.
Apple Silicon for any Mac from late 2020 on, Intel for older ones. About This Mac in the Apple menu tells you which one you have.
It isn't damaged. The alpha builds aren't signed with an Apple certificate yet, and that's how macOS words it. Move the app to Applications and run xattr -dr com.apple.quarantine /Applications/Stonqs.app in Terminal once. On Windows, the copy from the Microsoft Store opens without a warning; for the installer, click More info, then Run anyway.
Once a day, Stonqs checks whether a new version is out and tells you what's in it. Nothing installs until you say so, and a version that fails its signature check is refused. A copy from the Microsoft Store is updated by the Store instead: the app tells you, and its button opens the Store page. You can switch the check off in the settings.
English and Russian. It follows your system language unless you pick one in the settings. This website is also in German.
Start with the demo portfolio, then import your own broker export.
Apple Silicon is any Mac from late 2020 on. Older Macs are Intel.
On a Mac, Stonqs needs one Terminal command after installing. Without it, macOS reports the app as damaged. How to do it, and why it's safe
Windows 10 or 11, 64-bit
x86-64. Ubuntu 22.04, Debian 12 or newer.
