IndepAI vs myfund.pl

Move your portfolio from myfund.pl in 5 minutes

myfund.pl is the veteran Polish portfolio tracker, deep GPW coverage, IKE/IKZE accounts, and years of trust in the Polish investing community. IndepAI is the next step for investors who have gone global: multi-currency portfolios with FX-aware returns, a full dividend income suite, FIRE planning with geo-arbitrage, and an AI coach. And because IndepAI imports directly from the myfund.pl API, switching takes minutes, not evenings.

Join the import waitlist See the migration steps

myfund.pl has earned its place as the go-to portfolio tracker for Polish investors. Its GPW coverage is unmatched, stocks, NewConnect, Catalyst bonds, investment funds, and IKE/IKZE retirement accounts, all modelled around Polish tax rules. If your investing life starts and ends on the Warsaw Stock Exchange, myfund.pl does the job and has done it for years.

But most Polish investors no longer stop at the GPW. ETFs on Xetra, US stocks through XTB or Interactive Brokers, dividends arriving in three currencies, that is where a PLN-centric tracker starts to strain. IndepAI was built global-first: every position is tracked in its own currency, returns are FX-aware (so you can see whether you earned on the asset or on the exchange rate), and the dividend suite shows monthly income, yield on cost, a dividend calendar, and a withholding tax summary by country.

The best part: you do not have to choose on faith. IndepAI imports directly from the myfund.pl API, generate a read-only API key, paste it into the import wizard, and your portfolio is in. Five minutes, no CSV files, no manual re-entry, and your myfund.pl account stays untouched.

Migrate from myfund.pl in 3 steps

IndepAI has a dedicated myfund.pl importer, one of 6 broker importers, that talks directly to the myfund API. No file exports needed.

Get your API key from myfund.pl

Log in to myfund.pl and generate your personal API key in the account settings. The key is read-only, it can only fetch your data, never change it.
Paste the key into the import wizard

Open the IndepAI portfolio import, pick myfund.pl as the source, and paste the key. IndepAI fetches your positions and allocation directly from the API.
Review and you're done

Check the detected positions on the reconcile screen, confirm, and your portfolio is live, with FX-aware returns and your FI score from day one. Dividend income analytics light up as you record dividends or set forward dividends.

Your myfund.pl account is never modified, the import is read-only and you can re-sync or revoke the key at any time.

Join the import waitlist

Feature comparison

Feature	IndepAI	myfund.pl
Polish market coverage
GPW stocks and ETFs	✓	✓
NewConnect and Catalyst bonds	Limited Via manual entry	✓
IKE/IKZE account tracking	Limited	✓
Global investing
Multi-currency portfolios with FX-aware returns	✓	Limited PLN-centric
Global exchanges (US, UK, EU, Asia)	✓	Limited
Broker importers (XTB, IBKR, Degiro and more)	✓	Limited
One-click migration via the myfund.pl API	✓	✗
Dividends & income
Dividend tracking	✓	✓
Yield on cost (YOC) per holding	✓	Limited
Monthly income view and dividend calendar	✓	Limited
Dividend tax summary by country	✓	Limited Poland only
FIRE & AI
FI score and FIRE variants (Coast, Lean, Barista)	✓	✗
Geo-arbitrage with 1,100+ cities	✓	✗
AI financial coach	✓	✗

Which is right for you?

Choose myfund.pl if you want...

• Deepest Polish market coverage: GPW, NewConnect, Catalyst
• IKE/IKZE retirement account tracking built for Polish tax rules
• Long track record and an established Polish user community
• Broad asset support including Polish bonds and investment funds

Choose IndepAI if you want...

• PLN-centric, limited multi-currency and FX-aware return analysis
• No FIRE planning, FI score, or geo-arbitrage modelling
• No AI coaching or personalised guidance
• Dated interface with limited dividend income analytics

Understanding the key differences

Polish market depth: myfund.pl's home turf

Honesty first: for pure Polish market coverage, myfund.pl is hard to beat. NewConnect small caps, Catalyst corporate bonds, Polish investment funds, IKE/IKZE limits, it handles niches that global tools ignore. If 100% of your portfolio is Polish instruments and you want maximum local depth, myfund.pl remains a strong choice, and you can keep using it alongside IndepAI.

Global, multi-currency, FX-aware

The moment your portfolio crosses a border, the picture changes. IndepAI tracks each position in its native currency and converts at real exchange rates, separating asset performance from currency movement. A US ETF that gained 8% in USD while the zloty strengthened 5% is a very different result than your broker statement suggests, IndepAI shows you both components.

Import is just as global: 6 broker importers including XTB, Interactive Brokers, Degiro, and the direct myfund.pl API connection, which makes IndepAI the fastest way out of a spreadsheet-and-screenshots workflow for Polish investors with international accounts.

Dividend income: a full suite, not a column

IndepAI's income dashboard answers the questions dividend investors actually ask: how much income per month, what is my yield on cost per holding, when is the next payment (dividend calendar), and how much withholding tax did I pay per country, essential for the PIT-38/W-8BEN reality of investing from Poland in US and EU stocks. myfund.pl records dividends, but the analysis layer is where IndepAI pulls ahead.

FIRE and geo-arbitrage: the part myfund.pl never had

myfund.pl tells you what your portfolio is worth. IndepAI also tells you what it means: your FI score, how many years to financial independence, and how that timeline shifts if you move from Warsaw to Lisbon, Valencia, or Chiang Mai, with live cost-of-living data for 1,100+ cities and an AI coach that explains the numbers in plain language.

Pricing comparison

myfund.pl runs a freemium model with paid plans from roughly 10 PLN per month for fuller functionality. IndepAI's portfolio tracker and import (including the myfund.pl importer) are free; premium plans start at €4.99/month for advanced analytics and unlimited AI coaching. You can migrate and evaluate everything without paying anything.

Frequently asked questions

Is it safe to connect my myfund.pl account to IndepAI?

Yes. The import uses your myfund.pl API key, which is read-only, IndepAI can fetch your portfolio data but can never modify anything in your myfund.pl account. The key is stored encrypted, used only for synchronisation, and you can revoke it in myfund.pl at any time.

What exactly gets imported from myfund.pl?

Your current positions (stocks, ETFs, bonds, funds, crypto) and portfolio allocation. The myfund.pl API does not expose per-holding dividends or transaction history, so income analytics like yield on cost and the dividend calendar start populating once you record dividends or set a forward dividend per share in IndepAI. You review everything on a reconcile screen before anything is saved.

Do I have to stop using myfund.pl?

No. The import is non-destructive, your myfund.pl account stays untouched. Many users run both side by side for a while: myfund.pl for Polish market depth, IndepAI for global multi-currency tracking, dividend income, and FIRE planning. You can re-sync whenever you like.

Does the myfund.pl import cost anything?

No. The importer is part of the free portfolio tracker. You only ever pay if you later choose a premium plan for advanced features like unlimited AI coaching, the migration itself is free.

How long does the migration really take?

About 5 minutes. Generate your API key in myfund.pl, paste it into the IndepAI import wizard, and review the detected positions. There is no CSV exporting, column mapping, or manual re-entry.

See the difference for yourself

Try IndepAI free, no credit card required. Start with our Portfolio Import and see how geo-arbitrage could change your FIRE timeline.

Try Portfolio Import Free

Stay in context

Join the waitlist from this page and we will keep the comparison context attached, so your first IndepAI run starts with the tool you were evaluating.