Review, don't refresh.
Clarifolio is a quiet ledger for your stocks, bonds and T-bills — and the income they pay, reinvested or not. Log what happened, or import your spreadsheet. We'll email you before interest lands or a bill matures. Review it on your own schedule.
Free for up to 3 issuers · no card required · the demo needs no sign-up
- Any exchange 143 currencies
- KES Nairobi SE
- USD NYSE · Nasdaq
- GBP London SE
- EUR Euronext
- NGN NGX Lagos
- ZAR JSE
- UGX Uganda SE
- TZS Dar es Salaam SE
- RWF Rwanda SE
- GHS Ghana SE
- INR NSE India
- JPY Tokyo SE
- CAD TSX
- AUD ASX
- CHF SIX Swiss
- SGD SGX
Everything the ledger tracks
Built around what actually compounds.
Holdings across every issuer
Equities, government bonds and Treasury bills from every issuer you hold, plus money market funds on Pro, on any exchange, in your currency — one ledger instead of five spreadsheets.
Dividends, reinvested or not
Log each payment as it lands and mark it reinvested or withdrawn — the choice that actually drives compounding, kept honest year after year.
Trade journal
Every buy, sell and redemption, filterable by date, issuer or type.
Cost basis
Average cost, break-even, realised gains and dividend yield on cost, derived from the ledger.
Bond interest schedule
Every interest date and amount worked out from the coupon rate, plus a maturity ladder.
T-bill rollover
See what each bill pays at maturity, then roll it into the next one in a single step.
Payment reminders
One email a few days before bond interest lands or a bond or bill matures.
Monthly statements
What went in, what came out and what you earned, saved as a PDF. Your latest month is free; every past month and the monthly email come with Pro
Import from Excel or CSV
Bring a broker statement or your own sheet, in any layout. Match the columns, preview every row, done. Importing twice never duplicates.
Savings goals Pro
Set a target, track progress toward it, and see it in your annual review.
Year in review Pro
What you invested, what you earned and how often you traded, month by month, for the year so far.
Tax summary and CSV export Pro
Each tax year's income, the tax withheld from it and the gain on every sale, ready for your return. Export your trade history whenever you want.
Most finance apps want you back tomorrow.
Most personal finance apps are built to be checked constantly — streaks, push notifications, real-time price alerts. That's a fine model for engagement, a poor one for building wealth, and a reliable way to turn a long-term decision into a daily source of anxiety. Clarifolio drops the daily nudge. Log a holding when you buy it. Log a dividend when it lands. Then close the tab until there's something worth reviewing.
How it works
Three deliberate steps. No daily ritual required.
Add what you own
Buy shares, add a bond or a T-bill in one short form, or import the spreadsheet you already keep.
Let the dates come to you
We email you before interest lands or a bill matures. Record each payment, reinvested or withdrawn.
Review, don't refresh
A statement each month and your year in review: the picture, not the noise.
See it with a sample portfolio
Real screens from Clarifolio, filled with a sample portfolio. Open the demo to click around it yourself, no sign-up needed.
Sample portfolio, shown in Kenyan shillings. Clarifolio works in any currency: pick yours in Settings.
Simple, transparent pricing
Choose the plan that fits your investing journey.
Starter
Everything you need to start tracking your NSE portfolio.
Forever
- Unlimited Issuers (not included)
- Year in Review (not included)
- Savings Goals (not included)
- Data Export (not included)
- Priority Support (not included)
- Tax-year Summary (not included)
- Money Market Funds (not included)
- Statement Archive and Email (not included)
- Dashboard Insights (not included)
Pro Tracker
Advanced analytics, reporting, and priority support for active investors.
per month
per year (Save 33%)
- Unlimited Issuers
- Year in Review
- Savings Goals
- Data Export
- Priority Support
- Tax-year Summary
- Money Market Funds
- Statement Archive and Email
- Dashboard Insights
Guides for long-term investors
Plain-language explanations of what a long-term investor actually records — dividends, Treasury bills, bonds, cost basis — and how Clarifolio fits each case.
Use cases
A Dividend Tracker for Long-Term Investors
Log every dividend when it lands, mark how much you reinvested, and see your income by holding and by year — on any exchange, in your currency.
A Portfolio Tracker That Doesn't Connect to Your Broker
Why some investors prefer a manual ledger — no broker credentials, no import errors, no feed to check — and what you give up and gain by recording trades yourself.
Track Treasury Bills and Government Bonds Alongside Your Shares
Record T-bills and bonds with their tenor, rate, and maturity date, log coupon interest and discount income, and see what's maturing next — in the same ledger as your stocks.
Tracking an NSE Portfolio — Shares, Dividends, T-Bills and Bonds in One Place
A ledger for investors on the Nairobi Securities Exchange — record share purchases with brokerage fees and levies, log dividends as they arrive, and keep CBK Treasury bills and bonds in the same place.
Guides
An Annual Portfolio Review Checklist for Long-Term Investors
A once-a-year review that takes an afternoon, not a weekend — what to check, which numbers matter, and the questions worth asking before the new year starts.
Dividend Yield on Cost — What It Tells You, and What It Doesn't
Yield on cost compares the dividends a holding pays today with what you originally paid for it. How to calculate it, a worked example, and why it shouldn't decide whether you sell.
How Treasury Bill Discount Income Works
T-bills pay no interest — you buy below face value and receive the full face value at maturity. How to calculate the discount, the return over the holding period, and an annualised rate, with a worked example.
Reinvested vs. Withdrawn Dividends — Why the Split Is Worth Recording
What you do with each dividend shapes your portfolio as much as which stocks you own. How to think about reinvesting versus withdrawing, and why recording the decision every time pays off.
Weighted Average Cost Basis, Explained with Examples
How to work out your average cost per share across several purchases, why fees belong in it, what happens when you sell part of a position, and how that gives you your break-even price.
Free calculators
Treasury Bill Calculator
Work out a T-bill's price, the discount you earn, tax, and the annualised return. Works with yield or discount rates, any tenor and any currency.
Bond Interest and Yield Calculator
See every interest payment a bond will make from the day you buy it, the accrued interest you pay, tax, current yield and yield to maturity. Any currency.
Questions, answered
What is Clarifolio?
Clarifolio is a portfolio ledger for investors anywhere in the world — you log holdings, dividends, bond interest, and T-Bill income as they happen, then review the year on your own schedule instead of checking a live dashboard daily.
Is there a free plan?
Yes. The free tier covers up to 3 issuers with unlimited dividend logging, trades, and bond interest tied to those issuers — no credit card required to register.
Does Clarifolio track bonds and Treasury Bills, not just stocks?
Yes. Shares, bonds and T-bills each have their own page, and on Pro so do money market funds. For bonds, Clarifolio works out every interest date and amount from the coupon rate and shows a maturity ladder; for T-bills, it shows what each bill pays at maturity and lets you roll a matured bill into the next one in one step; for money market funds, it keeps the balance from your deposits, withdrawals and the interest you record.
Can I import my existing spreadsheet?
Yes. Upload an Excel or CSV file, such as a broker statement or your own sheet, in any column layout. Clarifolio suggests which column is which, you check it, and you preview every row before anything is saved. Rows already in your ledger are skipped, so importing the same file twice is safe.
Will Clarifolio remind me before bond interest or a maturity?
Yes. A few days before bond interest is due or a bond or T-bill matures, Clarifolio sends one email listing what's coming up. On Pro you also get a statement summarising each month. Both can be switched off in Settings.
Does Clarifolio execute trades or connect to a broker?
No — Clarifolio is a record-keeping ledger, not a brokerage. It never places or executes an order; trades are logged manually after they happen elsewhere.
What does the paid Pro plan add?
Unlimited issuers, money market funds, savings goals with progress tracking, every past monthly statement plus the statement email, dashboard insights (income calendar, income by quarter, net worth history), an annual Year in Review report, a tax-year summary of income, tax withheld and gains, CSV export of your trade history, and priority support.
Talk to a human
Questions about your ledger, or want someone to show you around? Email the team — Mon–Fri, 9am–5pm EAT.
Support
Stuck on a trade, an import, or your account? Email us and a person will get back to you.
Email supportA 15-minute walkthrough
We'll set up your first issuers with you and show how a year-end review comes together.
Request a walkthroughBegin logging your first holding.
Free for up to 3 issuers. No card required. Or look around a sample portfolio first.