Best Portfolio Tracker for Nigeria 2026: NGX, Naira, US Stocks

Nigerian investors increasingly hold local shares on the Nigerian Exchange alongside US stocks, global ETFs and crypto, and most trackers handle one world but not both. This guide compares the real options, with NGX support, naira conversion and the cost-in-USD, value-in-NGN problem at the centre, so you can decide which tool fits your portfolio and which does not.

What does a Nigerian investor actually need from a portfolio tracker?

A Nigerian investor needs one view that holds Nigerian Exchange (NGX) shares in naira (NGN) next to US and global holdings, and that converts everything cleanly without hiding the currency effect. The core problem is simple to state and hard for most tools: your cost on a US stock was paid in dollars, your value matters to you in naira, and the gap between them moves with the exchange rate.

Concretely, a tracker built for a Nigeria portfolio should cover:

• NGX coverage with prices quoted in NGN, for names like DANGCEM, MTNN, GTCO and ZENITHBANK.
• Multi-currency portfolios where US, UK and crypto holdings sit beside local shares and every value converts to naira.
• Honest currency accounting, so a naira move on a dollar holding shows as its own number, not blended into price gains.
• Alerts you will actually see, delivered where you already are.
• Flexible import, because no local broker offers clean automatic sync.

That last point matters in Nigeria more than in the US or UK. Your holdings most likely come from a CSCS account through a licensed stockbroker, and from a separate dollar-investing app, so manual entry, CSV and screenshot import are the realistic path, not one-click broker sync.

What is the local landscape a Nigerian investor should research?

The local landscape splits into two halves: Nigerian shares held through a CSCS account and a licensed broker, and US stocks held through a dollar-investing app. A tracker has to span both, because no single account holds everything.

Nigerian shares: CSCS and licensed stockbrokers

Nigerian equities are held in a Central Securities Clearing System (CSCS) account, opened through a licensed stockbroker. Commonly used brokers include Stanbic IBTC Stockbrokers, Meristem and Cordros. Each has its own dashboard, but those dashboards show only what you hold with that broker, in naira, and nothing about your dollar portfolio.

US and global stocks: the dollar-investing apps

For US stocks, many Nigerian investors use Bamboo, Trove or Chaka. These give access to names like AAPL, TSLA and VOO in dollars. Again, each app shows only its own holdings, and typically in USD, which is exactly where the naira conversion gets lost.

The tools most people stitch these together with today are:

• The broker and app dashboards themselves, checked one at a time.
• Google Sheets, with prices and exchange rates entered or pulled by formula.

Google Sheets is powerful and free, but you maintain it by hand, and exchange-rate history for an accurate cost basis is tedious to keep. We cover that trade-off in detail in our look at a portfolio tracker versus a spreadsheet.

US dividends and the W-8BEN

If you hold US dividend-paying shares through a dollar app, you will encounter the W-8BEN form, which your broker uses to establish your status as a non-US person for withholding purposes. Dividends from US shares are subject to US withholding, and you may also have local Nigerian tax obligations. We discuss the concepts qualitatively below and name no rates, because rates change and a wrong number in a finance guide is worse than none.

How do the main portfolio trackers compare for a Nigeria portfolio?

The table below compares PortfolioTrackr against tools Nigerian investors commonly reach for. Prices are shown in the currency each tool publishes, never converted.

For a broader cross-market view beyond Nigeria, our data-driven comparison of six trackers runs the same checks on a wider field.

Where does each tool stop for a Nigeria investor?

Every tracker here does something well and stops somewhere that matters for a naira-plus-dollar portfolio. Here is where each one lands.

Google Sheets

Google Sheets does total control well: you can model NGX shares, US stocks and crypto in any currency you choose. Where it stops is upkeep. You enter or fetch prices, you track the exchange rate on the day you bought each dollar holding to get an honest cost basis, and you keep that going forever. It works, but it is a second job.

Simply Wall St

Simply Wall St does company fundamentals well, condensing valuation, growth and financial health into one visual across a large universe of stocks. Where it stops is being a daily multi-account tracker: billing is yearly only, the free portfolio is capped at 10 holdings, and it is research-first rather than a tool built around NGX prices in naira.

Delta Investment Tracker

Delta does crypto and mobile polish well, auto-syncing wallets and exchanges and tracking a wide asset range. Where it stops is local-equity depth: NGX coverage and naira-base cost accounting are not its focus, so a Nigeria investor gets a strong crypto view and a weaker local-shares one.

Getquin

Getquin does a social investing community well, with a usable free tier and unlimited broker connections for supported markets. Where it stops is geography: it is built around European investors and brokers, so NGX names and naira as a base currency are not where it is strongest.

Empower Personal Dashboard

Empower does free US net-worth aggregation well, pulling 401(k)s, IRAs, brokerages and bank accounts into one view with a serious retirement planner. Where it stops for Nigeria is total: it aggregates US financial institutions and reports in US dollars, so Nigerian accounts and an NGN base are outside its scope.

How should a Nigerian investor think about dividend tax and withholding?

Foreign dividends and local tax are two separate layers, and a tracker's job is to record what happened, not to advise you on either. Treat the forms and concepts as things to research with a professional, not as numbers to copy.

• W-8BEN: completed with your US-facing broker or dollar app to establish you as a non-US person, which affects how US dividend withholding is applied.
• US withholding: dividends from US shares are withheld at source; the amount you actually receive is net of that.
• Local Nigerian tax: your own tax position in Nigeria is a separate matter from US withholding and worth confirming with an adviser.

This guide states no percentages or rates on purpose. Rates change, treaties change, and the right figure for your situation depends on facts only you and a tax professional hold. What a good tracker gives you is the raw record: each dividend, its pay date and the exchange rate used, so your adviser has clean inputs.

How does PortfolioTrackr fit a Nigeria portfolio?

PortfolioTrackr is built around exactly the naira-plus-dollar problem this guide opens with. It supports the Nigerian Exchange (NGX) with prices in NGN, and it lets US, UK and crypto holdings sit in the same portfolio with every value convertible to naira. You can see the full exchange list on the supported markets page.

On the currency problem specifically, PortfolioTrackr converts the cost of a foreign holding at the exchange rate of the day you bought it, and its value at today's rate, then shows the currency gain or loss as its own line on the summary card and the P&L chart. That means a naira move on your AAPL position does not masquerade as a price gain. It is broken out so you can read it honestly.

For alerts, you set your own price levels, Target 1, Target 2 and a stop-loss on a position or a level on a watchlist entry, and PortfolioTrackr reports status against those levels. Alerts arrive by WhatsApp, Telegram, email or push, and are checked once a minute while the market is open, around the clock for crypto. The NGX trades Monday to Friday and is skipped on the weekend and exchange holidays; our note on NGX trading hours and holidays covers when that applies.

Other things worth knowing:

• Import is flexible: manual entry, voice, text, CSV and broker screenshots work on every plan, including the free trial and Starter, which matters because Nigerian brokers do not offer clean automatic sync.
• Self-custody crypto is added by hand, by CSV or from a screenshot; PortfolioTrackr does not read wallet addresses.
• Pricing is a 3-day free trial with everything in Starter and no card, then Starter $9/mo, Pro $19/mo, or Lifetime $299 once; see the pricing page for current figures.
• The iPhone and Android app keeps the same NGN view in your pocket.

Where it is not the right tool: if you want deep institutional-grade equity research or an automatic one-click sync with a Nigerian broker, PortfolioTrackr does not do either, and a research platform or your broker's own dashboard will serve you better for those specific jobs.

How do you choose a portfolio tracker for Nigeria?

Choose by running every tool against the same checklist, then decide alone. No tool on this page is right for everyone, and the honest answer depends on what you actually hold.

1. Does it list NGX shares in NGN? Check your actual tickers, not just that "Nigeria" appears somewhere.
2. Can US, global and crypto holdings sit in one portfolio? A single view beats flipping between apps.
3. How does it handle currency? Confirm cost converts at the purchase-day rate and the naira effect shows separately.
4. How will you get data in? With no local auto-sync, test manual, CSV and screenshot import before committing.
5. Do alerts reach you where you are? For many in Nigeria that means WhatsApp or Telegram, not just email.
6. Does the billing suit you? Monthly, annual or one-time, and whether a free tier covers your holding count.

Investors elsewhere run the same checklist against their own markets; our UK tracker guide and Australia tracker guide show how the priorities shift by country.

The bottom line

For a Nigeria portfolio that mixes NGX shares in naira with US stocks, ETFs and crypto, the deciding factor is honest multi-currency handling, not feature count. Tools like Simply Wall St, Delta, Getquin and Empower each do one thing well, but stop short on NGX coverage, an NGN base, or the cost-in-dollars, value-in-naira split. PortfolioTrackr is built around that split, with flexible import and WhatsApp or Telegram alerts, though it leaves deep research and local auto-sync to others. Run the checklist against your own holdings and choose from there.

Frequently asked questions