Best Portfolio Tracker for South Africa 2026: JSE, TFSA, ZAR

If you hold JSE shares in rand alongside US and global stocks, ETFs and crypto, most portfolio trackers were built for someone else's market. This guide compares the real options a South African investor can actually use, covers the local specifics (TFSA, retirement annuities, SARS, dividend withholding and the rand-dollar question), and gives you a checklist to decide for yourself.

What does a South African investor actually need from a portfolio tracker?

A South African investor needs a tracker that handles JSE-listed shares in ZAR next to US and global holdings, converts everything back to rand honestly, and does not assume you live in one country. That last part is where most tools quietly fail a local portfolio.

A portfolio tracker is software that pulls your holdings into one view, shows live or near-live value, and reports gains, losses and income across every account you own. For someone in South Africa, the job is harder than for a US-only investor because your money usually sits in more than one currency and more than one jurisdiction.

The concrete requirements for a local portfolio are:

• Johannesburg Stock Exchange (JSE) coverage with prices in ZAR, so a Satrix 40 ETF or Naspers position shows correctly.
• Multi-currency support so US tickers like AAPL and VOO, plus crypto such as BTC-USD, sit beside local shares and still roll up to one rand total.
• Honest currency gain or loss treatment, because a chunk of your offshore return is just the rand weakening against the dollar.
• Room for your wrappers and accounts by name: the tax-free savings account (TFSA), retirement annuities, and separate offshore brokerage accounts.

If you have never compared trackers before, our real-data comparison of six portfolio trackers is a useful companion to this geo-specific guide.

What is the local landscape a South African investor should research?

The local landscape is a mix of South African brokers, tax wrappers and tools that were mostly built elsewhere. Knowing the names helps you test any tracker against your real accounts before you pay.

Brokers and platforms South Africans use

These are the platforms where South African retail investors actually hold shares. A tracker should be able to represent each one, whether by sync, CSV or manual entry:

• EasyEquities, the dominant local fractional-share platform for JSE and US shares.
• Standard Bank Online Share Trading and FNB Share Investing, the big-bank broking arms.
• Satrix, best known for its index ETFs and its own investment platform.
• Interactive Brokers, the common route to deep global and offshore exposure.

Wrappers and accounts by name

South African tax structure revolves around a few named accounts, and a tracker that cannot separate them leaves you doing mental arithmetic:

• The tax-free savings account (TFSA), with annual and lifetime contribution limits set by law.
• Retirement annuities (RAs), which carry their own contribution and tax rules.
• Ordinary taxable brokerage accounts, local and offshore, which is where capital gains tax (CGT) and dividend withholding tax bite.

Tools South Africans reach for today

Most local investors start with Sharesight, Yahoo Finance or a spreadsheet. Each has a ceiling. Spreadsheets break on live prices and currency conversion, Yahoo Finance is a quote screen rather than a true multi-account ledger, and specialist tools vary wildly on JSE and ZAR support. If you are weighing the manual route, our breakdown of portfolio tracker versus spreadsheet lays out where a sheet stops being enough.

How do the main portfolio trackers compare for a South African portfolio?

The table below compares PortfolioTrackr against tools South African investors commonly consider. Prices are shown in the currency each tool publishes. We never convert them to rand, because published prices change and a guessed figure is worse than an honest one.

Where does each tool stop for a South African investor?

Every tracker does something well and then hits a wall for a local portfolio. Here is where each one lands.

Sharesight

Sharesight is strong on dividend tracking and performance reporting across multiple markets, and it does list JSE support. Its ceiling for a South African investor is interaction: it is a reporting engine, not a live monitoring tool, so there are no price-level alerts to WhatsApp or Telegram, and real-time pricing is limited on lower tiers. For current pricing you will need to see their site.

Delta Investment Tracker

Delta is a polished mobile app that auto-syncs crypto wallets, exchanges and some stock brokers, which suits an investor whose offshore side is crypto-heavy. The limits are the 10-asset free cap and 40-asset Pro cap, and weaker handling of JSE-specific wrappers like the TFSA. It is a crypto-first tracker that also holds stocks, not a JSE-first tracker.

Simply Wall St

Simply Wall St excels at making a company's fundamentals readable through its Snowflake visual across 90 markets. For portfolio tracking it is thinner: the free tier caps at 1 portfolio and 10 holdings, billing is yearly only, and it functions more as research than as a rand-denominated ledger of your real accounts.

Empower Personal Dashboard

Empower gives genuinely free whole-net-worth aggregation with a serious retirement planner, but it is built around US financial institutions: 401(k)s, IRAs and US brokerages. For a South African holding JSE shares in ZAR, account aggregation and the planner simply do not map to your accounts.

Getquin

Getquin offers unlimited broker connections on a free tier plus a large investor community, with strength in European brokers. The gap for a local investor is JSE sync and ZAR-native wrapper handling, which means more manual work for the South African side of your portfolio.

For broader context beyond this geo, our honest portfolio tracker app comparison covers these tools on features that are not country-specific.

How do dividend withholding and local tax work for South African investors?

Tax on your portfolio splits into local tax on South African income and gains, and withholding on foreign dividends, and no tracker files it for you. The useful move is to know the forms and concepts so your records line up at year end. We state no rates here on purpose, because they change and a wrong number in a finance guide is worse than none.

• SARS is the South African Revenue Service, the authority you report to. Your local return captures capital gains tax (CGT) on disposals and taxable investment income.
• Dividend withholding tax applies to South African dividends, deducted before the cash reaches you.
• On US shares, the W-8BEN form you complete with your broker establishes your treaty status and affects the withholding applied to US dividends before they are paid.
• Foreign dividends and gains interact with your South African return, and the rand-dollar exchange rate on the relevant date matters for how amounts are recorded.

This is why currency handling is not a nicety. When PortfolioTrackr records a foreign holding, the cost is converted at the exchange rate of the day you bought it, the value at today's rate, and the currency gain or loss appears as its own line. It also keeps 10 years of daily exchange rates for its 100 supported currencies, so historical conversions are consistent rather than guessed.

How does PortfolioTrackr fit a South African portfolio?

PortfolioTrackr fits a South African portfolio by putting JSE shares in ZAR next to US and global stocks, ETFs and crypto in a single rand-convertible view. It supports the Johannesburg Stock Exchange (JSE) under the JNB code with prices in ZAR, and every value is convertible to rand. You can see the full exchange list, 100 in all, on the markets coverage page.

What it does for a local portfolio:

• Multi-currency portfolios where a Satrix ETF in ZAR and a VOO position in USD both roll up to one rand total.
• The currency gain or loss shown as its own line, so you can see how much of your offshore return was the rand moving versus the dollar.
• Price alerts at levels you set, delivered by WhatsApp, Telegram, email or push. Positions are checked once a minute while the market is open and around the clock for crypto. You can see how the WhatsApp and Telegram alerts work before you commit.
• Flexible entry: direct broker sync with Interactive Brokers, Alpaca and Bybit on every plan, plus manual entry, voice, text, CSV and broker screenshots, so EasyEquities or FNB Share Investing holdings go in even without a sync.

The JSE trades Monday to Friday and skips Saturday and Sunday, so stock alerts pause when the market is closed while crypto keeps running. The exact session and holiday schedule is covered in our guide to JSE trading hours and holidays.

On pricing, there is a 3-day free trial with everything in Starter and no card required, then Starter at USD 9 a month, Pro at USD 19 a month, or Lifetime at USD 299 once. The full breakdown is on the pricing page, and both iPhone and Android versions are on the app page.

Where PortfolioTrackr is not the right tool

PortfolioTrackr is not a SARS tax-filing tool: its tax report converts each trade at the rate of its own date and shows that rate on every row, but it does not produce official South African return forms, so you still reconcile with SARS or your accountant. If your priority is deep fundamental research rather than tracking, a research-first tool like Simply Wall St or Koyfin may suit that specific job better.

How to choose a portfolio tracker for South Africa: a checklist

Run any tracker, including this one, through the same checks before you pay. None of these questions tells you what to buy; they tell you whether a tool fits your accounts.

1. JSE in ZAR: does it show your local shares under JNB with rand prices, not a broken ticker?
2. Multi-currency roll-up: do your US and crypto holdings convert to one rand total, with currency gain or loss separated out?
3. Your real brokers: can you get EasyEquities, Standard Bank, FNB, Satrix and Interactive Brokers in, by sync, CSV or manual entry?
4. Wrappers: can you keep your TFSA, retirement annuity and taxable accounts as distinct portfolios?
5. Alerts: can you set price levels and receive them the way you actually check your phone, and do stock alerts respect market hours?
6. Tax records: does it keep historical exchange rates and per-trade detail you can hand to your accountant?
7. Cost and lock-in: is there a free trial, and does the price match how much tracking you actually do?

Investors in other dual-market countries face the same structure, so our UK portfolio tracker guide and Australia portfolio tracker guide walk the same checklist against different local wrappers and tax systems.

The bottom line

The best portfolio tracker for a South African investor is the one that shows JSE shares in ZAR next to your offshore holdings, separates the currency gain or loss, and keeps records clean enough for your SARS reconciliation. Most global tools were built for US or European accounts and leave the local side half-tracked.

PortfolioTrackr covers the JSE in rand, handles multi-currency with honest exchange-rate accounting, and sends level alerts by WhatsApp or Telegram, while staying honest that it is not a SARS filing tool. Run the checklist above against it and against anything else on your shortlist, start with a free trial where one exists, and decide for yourself.

Frequently asked questions