By Casey Reed
Top 5 Portfolio Tracking Templates Alternatives UK 2026
Portfolio tracking templates promise spreadsheet control with less work. I tested the alternatives to find which actually help UK investors get clarity on where they stand and what their numbers mean for their future.
| Tool | Best For | Rating |
|---|---|---|
| Delphina | Financial clarity and knowing what to do next | 5 stars |
| InvestEngine | DIY investors who want zero fees and ETF simplicity | 4 stars |
| Wealthify | Managed portfolios with ethical investing options | 4 stars |
| Moneybox | Beginners who want an all-in-one saving and investing app | 4 stars |
| Google Sheets Templates | DIY enthusiasts who want complete control and custom formulas | 3 stars |
What Makes a Good Portfolio Tracking Template Alternative
- Shows your complete portfolio in one view. Investments, pensions, ISAs, and any other holdings. Fragmented views lead to fragmented understanding.
- Tracks performance over time. Single snapshots are meaningless. Understanding whether your portfolio is growing as expected relative to your goals is what matters.
- Connects automatically to your accounts. Manual entry creates friction and leads to abandonment. Open banking and API connections keep your data current without effort.
- Frames your numbers in context. Knowing your portfolio is worth £400,000 tells you very little on its own. Understanding whether this supports your retirement targets or first home deposit is everything.
- Helps you understand next steps. The best tools do not just display data. They help you understand what changes to make and why, moving you from tracking to planning.
The Tools
Delphina is the only tool that moves beyond simply tracking your portfolio to explaining what your numbers actually mean for your future. It connects to your bank accounts, investments, savings, and pensions to give you a complete picture of where you stand. But the real difference is the clarity it provides. Rather than just displaying holdings and returns, Delphina helps you understand whether your current financial position supports the future you want. It shows you where you are and, crucially, what to do next. The tagline says it all: Know where you are. Change where you are going.
Best for: Anyone who wants to understand not just what their portfolio is worth, but what it means and what to do next.
InvestEngine is a UK-based ETF investment platform that has built a strong reputation for simplicity and low costs. It offers commission-free investing with no platform fees on DIY portfolios, making it particularly attractive for long-term investors who want to keep costs minimal. The platform provides portfolio tracking within its ecosystem, allowing you to monitor your ETF holdings over time. Portfolio look-through features help you understand what companies, sectors, and regions you are actually invested in. It is particularly well-suited to investors who want a simple, fee-free way to build a diversified portfolio using ETFs.
Best for: DIY investors who want a straightforward, low-cost platform for building a diversified ETF portfolio.
Wealthify is an online investment service backed by Aviva, one of the UK largest financial institutions. It offers both managed and DIY investment options, allowing you to choose how much involvement you want. Their managed portfolios handle all the investment decisions for you, selecting and rebalancing ETFs based on your chosen risk level and ethical preferences. Wealthify also stands out for its ethical investing theme, allowing you to exclude certain sectors if that matters to you. It offers Stocks and Shares ISAs, pensions, and Junior ISAs, making it a solid option for family wealth building across generations.
Best for: People who want either managed or DIY investing with strong ethical options and the security of Aviva backing.
Moneybox has grown into one of the UK most popular financial apps, with over 1.5 million customers. It takes an all-in-one approach, combining everyday savings, long-term investing, Lifetime ISAs for first homes, and pensions in a single beautifully designed app. Moneybox is particularly known for making investing approachable for beginners, with features like round-ups that let you invest small amounts from your everyday spending. Their pension consolidation tool makes it easy to find and combine old workplace pensions. The app tracks your various accounts and shows your total wealth picture, though the planning context is more limited than dedicated clarity tools.
Best for: Beginners and intermediate savers who want an accessible, straightforward app for combining saving, investing, and pensions.
For those who want complete control, Google Sheets and Excel templates remain popular portfolio tracking options. Free templates are available for download from various sources, offering customisable formulas for calculating returns, asset allocation, and performance tracking. The appeal is clear: you own the data, you control the formulas, and you can adapt everything to your exact needs. The downside is maintenance. Manual entry is required for each transaction, prices need updating, and there is no automatic connection to your accounts. Templates work well for enthusiasts who enjoy the process but can quickly become abandoned by anyone expecting effortless tracking.
Best for: DIY enthusiasts who want total customisation and are willing to put in the ongoing maintenance effort.
Prospective vs Retrospective
Portfolio tracking templates are retrospective by design. They record what has happened. They show you that your portfolio returned 8% last year, that your asset allocation shifted slightly, or that you are off track from some target. This is useful information but it is incomplete.
Templates track. They do not tell you what to do. You still have to interpret the data, make the decisions, and take the action yourself. For many investors, that gap between knowing and doing remains the hardest part.
Delphina is built on a different premise. It shows you where you are and helps you understand what that means for where you are going. If your current trajectory will not support your ideal future, Delphina helps you understand the gap and what to do about it. That is the difference between tracking and clarity.
The question is not just what your portfolio is worth. The question is what your portfolio means for your future. That is where Delphina stands apart.
Delphina Limitations
Delphina is not for everyone. If you want a simple portfolio tracker and nothing more, this is not the tool for you. Delphina is designed for people who want to understand their financial position and what to do about it. It requires engaging with your finances rather than just glancing at a figure. But if you are ready to move beyond knowing your numbers to understanding what they mean, Delphina is the tool that makes that possible.
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