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The portfolio app that explains what you own, and builds the reports you ask for. On your Mac, encrypted, not in anyone’s cloud.

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The portfolio tracker that explains what you own

Marisco is a portfolio tracker that makes you smarter. Connect your banks, brokers and exchanges to see what you own, earn, spend and save in one place, in your own currency. Ask questions about your own numbers, understand how it all fits together, and learn to make more informed decisions.

Your wealth, aggregated.

See your investments, cash, cars, real estate... all together.

  • The whole picture

    See your wealth and how it changes.

  • All your accounts, together

    Bring banks, brokers and other assets into view.

  • Go beyond the balance

    Ask questions and get to know your numbers.

Your wealth, aggregated.
Reports you can play with.
See what you really hold.
Understand where it goes.
See what your money earns.
Keep the details in view.

Understand your portfolio. Ask questions in chat. Create personalised reports. Compare your broker fees. Track investing and spending. Explore ideas with scouts.

Where your money lives

Everything you own lives on your Mac.

Encrypted, with the key in your Keychain. We have no access to it.

AES-256
encryption, on your Mac
Keychain
the only place the key lives
0
copies of your portfolio on our servers

How it works

Live demo

Reports, built around you

Ask for a report and Marisco builds it from your numbers. Then drag any assumption. This one runs live, on a demo portfolio.

ChatNew report
Build me a retirement plan: retire at 55, €2,000 a month, guardrails if markets fall.
WorkingReads your holdings and cash30 years of index prices3,000 simulated paths

Here’s your plan in today’s money, with guardrails around a 4% withdrawal rate. Drag a slider and the 3,000 paths run again.

Saved to Reports · Retirement plan
Simulate thousands of futures for my portfolio. Will I reach €300,000 in ten years?
WorkingReads your portfolio’s monthly returnsNets out your deposits4,000 simulated paths

Each band is a share of the simulated paths. Change the years, the monthly amount or the target and it runs again.

Saved to Reports · Monte Carlo
What’s my FIRE number, and how long until I get there?
WorkingReads your accountsA year of income and spendingWorks out your savings rate

Your number at a 4% withdrawal rate, and when you get there. Move the sliders to see what your spending and savings change.

Saved to Reports · FIRE number
Will I hit my €60,000 house deposit by 2029?
WorkingReads your accountsYour portfolio’s own swings2,000 simulated paths

Your deposit, projected from what funds it today. Move the target, the date or the monthly amount and it runs again.

Saved to Reports · Goals
My bank’s fund charges 1.5% a year. What would that cost me over 30 years, against my ETFs?
WorkingReads what you have investedCompounds both fee levelsChecks the report renders

Both paths, same return before fees and the same savings. The gap is the fees, plus the growth they never earned.

Saved to Reports · Fees drag
How far is my mix from my targets: 50% North America, 30% Europe, 10% each for Asia and emerging markets?
WorkingLooks through your ETFsReads your target weightsWorks out the drift

Your mix by region, against the targets you set. Pick another dimension, or add a target, and it redraws.

Saved to Reports · Breakdown
What if the worst years came first, right after I stop working?
WorkingReads your accounts30 years of index pricesReplays them in three orders

The same years in three orders, under the same withdrawal. The gap is what the order alone does.

Saved to Reports · Sequence risk
Try asking
Retirement planMonte CarloFIRE numberGoalsFees dragBreakdownSequence riskDemo portfolio · example figures
Pick a request, or play with the report

Synthetic prices on a demo portfolio. An illustration, not a forecast or advice.

Be curious

LEARN

Everything on the screen can be selected and asked about. Click a card, a row or a chart and Marisco explains what it is, why it looks that way, and what to ask next. Follow the thread and your questions become reports you can come back to.

OverviewExample figures
HoldingsExample figures
NameWeightValueGain
DividendsExample figures
PerformanceExample figures
CostsExample figures
Chat
Total value
Is this number my return?
Not quite. €212,480 is everything you hold across three accounts, cash included. Your investments are up €8,540 this year, but €3,200 of that is money you deposited, so the market did €5,340 of the work.
Dividends
Is €240 a lot?
It is 1.1% of what you have invested, paid mostly by ASML and IWDA. Last quarter was €180, so the income is growing with the positions, not from a change in yield.
Value · 12–19 Mar
What happened here?
Mostly the market, not you. Your portfolio fell 6.2% that week and the world index fell 5.4%, so most of it was the sell-off around the Iran crisis: most likely large holders moving into safer assets, with gold up 4% in the same days. ASML and Nvidia fell hardest and have since recovered half of it.
Allocation
Why is so much in single stocks?
Two positions do it. ASML and Palantir are 29% of everything you own, so “single stocks 62%” is mostly them. Whether that is a problem depends on whether you chose it.
Largest holdings
Which holdings did most of the work this year?
ASML and Nvidia: €3,900 and €2,100 of this year’s €8,540. Palantir gave back €600, and the rest came from IWDA and dividends.
Costs this year
Which broker costs more?
DEGIRO €55, Revolut €30. But Revolut’s cost hides in the currency spread, not the fee line: €22 of its €30 came from converting euros to dollars.
ASML
Why is ASML my biggest position?
You bought it four times since 2023 at an average of €612, and it has risen 42% since. It grew into the top spot more than you bought it there: your purchases add up to €26,900, the position is worth €38,250.
Palantir
What has Palantir done since I bought it?
+61% since the first buy in 2024, at an average cost of €74. The lot you added at €120 in March is down 18%, which is why the position feels worse than its number says.
IWDA
Do my ETFs hold these too?
Yes. IWDA holds Nvidia and ASML as well, so your real exposure to those two is about 3 points higher than the rows show. Different funds, some of the same companies.
Nvidia
How much Nvidia do I really own?
7% directly, plus about 1.4% through IWDA, so 8.4% of everything you own. Every 10% move in Nvidia moves your wealth by about €1,800.
Cash
Is this too much cash?
It is 14% of your wealth. €18,000 of it sits in DEGIRO earning nothing, while Revolut pays 3.2% on its share. Whether to hold it is your call; where it sits costs about €45 a month.
By payer
Who pays me the most?
ASML, twice a year, and IWDA, every quarter: together 77% of your income. The rest is Nvidia’s token dividend and interest on cash.
By year
Will I earn more this year?
On today’s holdings, about €820 for the year: the positions are unchanged, ASML raised its dividend 9%, and IWDA’s payout follows the index. That is a forward yield of 1.2%.
Return vs index
Did I beat the index?
Over the last year, yes: 8.4% against 6.1%, time-weighted, so your deposits do not flatter it. Over three years, no: 21% against 27%. 2024 is the year that cost you, when Palantir was bought near its high.
Worst fall
How bad could it get?
Your worst stretch so far was 11% over five weeks this March, recovered in seven. With 62% in single stocks, a 20% fall is well within the ordinary; the index’s worst in the same period was 9%.
This year, by broker
What am I paying for?
€47 of trading commissions, €26 of currency spread and €12 of ETF fees, IWDA’s 0.2% a year. The spread is the one that hides: it never appears on a statement, it is inside the exchange rate.
Currency spread
How do I pay less to convert?
Convert in one lot rather than per trade, and not at the weekend: Revolut’s spread was 0.6% on weekdays and 1.5% on Saturdays, and four of your six conversions were Saturdays. That is €14 of the €26.
Click anything to take over

Agents working for you

SCOUTS

A scout is a personal researcher that keeps watch for you. It follows your portfolio, a company or a question you care about, checking news and data on a schedule. When there’s something worth knowing, it emails you a report explaining what happened.

New chatScout builder
Follow Nvidia and send me a weekly newsletter on earnings and product news.
Of course. I’ll send you the important updates every Friday.
And if something changes before Friday?
I’ll flag major changes sooner, with links to the sources.
Scout createdNvidia · Every Friday
Inbox
Click an email to read it1–4 / 4

  • Every Friday

    Your week

    The moves, earnings and news behind your portfolio’s week, with context beyond the market headlines.

  • Every weekday

    Your biggest holdings

    An eye on the positions that matter most to your portfolio, and the events coming their way.

  • Every Day

    Watchlist

    How is Nvidia doing? Price changes, news, earning calls. Even social media noise.

  • Every month

    Expenses in check

    Notice changes in spending, saving and subscriptions. Useful even if you don’t invest yet.

Be informed

INSIGHTS

Uncover connections, spot concentration, hidden fees and interesting facts about your wealth, so you can keep learning next.

Exposure

61%in two holdings

ASML and Palantir carry most of this portfolio.

Together, these stocks make up 61% of its value. See how the other 39% is spread.

ASML + Palantir61%Everything else39%
Performance

+8.4%time-weighted return

Growth, not just more deposits.

See how your investments performed against a benchmark, separate from the money you added.

Overlap

3 fundswith shared holdings

Different funds. Some of the same companies.

Look through your ETFs to see where the same businesses appear more than once.

3 fundsNvidia2 fundsMicrosoft
Income

€240in dividends this quarter

Your dividends are starting to add up.

See who paid you, when it arrived, and how your income changed over time.

This quarter€240
Last quarter€180
Cash flow

€650invested this month

See where this month’s money went.

You added €650 to investments and spent €1,350 on everyday purchases. Market gains are counted separately.

Added to investments€650
Everyday spending€1,350
Broker fees

€85in fees this year

See what each broker costs you.

Trading and currency-conversion fees can be easy to miss. Compare what you paid across your accounts this year.

DEGIRO€55
Revolut€30

Bring your own agent

Using Claude Code or Codex? We got you.

Through the marisco command and MCP server, your agent reads your ledger on your Mac and builds reports in the app.

Or keep it all on your Mac. The built-in agent also runs on a local model, through Ollama or LM Studio, so your questions never leave it.

Ask your AI about MariscoClaude ChatGPT Perplexity 
 ▐▛███▜▌   Claude Code
▝▜█████▛▘  Opus 5.5 · your own account
  ▘▘ ▝▝    ~/.marisco/workspace
> Build me a report: how much of my dividend income
  comes from US companies, month by month, and what
  withholding tax costs me.
⏺ marisco run-query "SELECT … withholding …" --json
  ⎿  €214.60 withheld · 61% of it on US dividends
⏺ marisco write-report --slug us-dividends \
    --content-file tmp/us-dividends.mdx --json
  ⎿  ✓ compiled · loaders ran · rendered
It’s in Marisco under Reports, with a slider for the
treaty rate so you can see what a W-8BEN changes.
Example session on a demo portfolio.

Understand your portfolio. Ask questions in chat. Create personalised reports. Compare your broker fees. Track investing and spending. Explore ideas with scouts.

Private by design

We built it so we can’t look

What you own stays on your Mac, encrypted. We have no access to it.

The key stays in your Keychain

A copied backup or a lost disk is unreadable on its own.

How it works

Read-only connections

Brokers and banks connect without your login. Marisco can’t trade or move money.

Counts, not contents

Analytics say which screens were used, never what is on them.

Privacy policy

See what left your Mac

Settings lists every request the app made to us.

Where each kind of tool keeps your data
MariscoAI assistants with your accountsCloud portfolio trackersLocal trackersSpreadsheets
Where your data livesYour Mac, encryptedTheir serversTheir serversYour computerYour computer
Who holds the keyOnly you, in your KeychainThe providerThe provider, usuallyYouYou
Works without an accountYes, in Private modeNoNoUsuallyYes

Categories as of October 2026, from each category’s public documentation. Individual products vary; check each one’s privacy policy.

FAQ

Is Marisco a financial advisor?

No. Marisco is a portfolio learning and analysis tool. It helps you understand what you own and explore your questions. It does not manage your money or execute trades. You make the decisions.

Which brokers can I use?

You can connect banks and brokers supported by SnapTrade and Enable Banking, with broad coverage across Europe, the United States and Canada. Availability depends on your institution, country and account type. Select your bank or broker when requesting an invitation so we know what you use.

Can I track several brokers and banks in one place?

Yes. That is the point. Each account you connect lands in one ledger, and Marisco shows the whole picture across all of them: holdings, cash, income and spending, converted into your own base currency. You can still open one account on its own when the question is about that account.

Does Marisco show ETF overlap?

Yes. Marisco looks through your ETFs to the companies inside them, so you can see where the same business turns up in more than one fund, and what your real exposure to it is once your direct holdings are added in. Two funds with different names can still be mostly the same companies.

How is my performance calculated?

Two ways, because they answer different questions. The time-weighted return strips out the money you deposited and withdrew, so it can be compared with an index. The money-weighted return keeps your timing in, so it tells you what your own decisions earned. Marisco shows both and says which is which, so a big deposit is never mistaken for a good year.

TWR vs MWR: follow the worked example
What financial data can Marisco access?

A lot more than stock prices. Marisco draws on Financial Modeling Prep (FMP) for market research and EODHD for additional global price coverage. You can explore:

  • Quotes and prices. Stocks, ETFs, funds, indices, currencies, crypto and commodities, plus trading volumes and price changes.
  • Historical data. Daily and intraday price histories, including prices adjusted for dividends and stock splits.
  • Company profiles. Business descriptions, sectors, industries, peers, market capitalisation and shares available to trade.
  • Financial statements. Income statements, balance sheets, cash flow, quarterly and annual results, and growth trends.
  • Financial ratios. Valuation multiples, profit margins, returns on capital, debt levels, liquidity and efficiency.
  • Valuation and financial health. Discounted cash flow estimates, owner earnings, Piotroski scores and Altman Z-scores.
  • Revenue breakdowns. Where a company makes its money, by product line and geographic region.
  • Earnings. Reporting dates, reported profits and revenue, analyst estimates, and how results compare with expectations.
  • Earnings call transcripts. What management said about results, strategy and the questions analysts asked.
  • Dividends and stock splits. Payment histories, announced dividends, ex-dividend dates and split events.
  • Analyst research. Earnings forecasts, price targets, rating changes, upgrades, downgrades and consensus views.
  • ETFs and mutual funds. Underlying holdings, sector weights, country allocations and exposure to individual companies.
  • Institutional portfolios. Reported holdings and position changes from fund managers’ US 13F filings.
  • Insider transactions. Disclosed purchases and sales by company executives, directors and other insiders.
  • US politicians’ trades. Publicly disclosed investment transactions by members of the Senate and House of Representatives.
  • Futures positioning. Commitment of Traders reports showing how different groups are positioned in futures markets.
  • Executive pay. Leadership teams, compensation disclosures and industry benchmarks for executive remuneration.
  • Workforce changes. Company employee counts and historical changes in headcount.
  • Macroeconomics. Inflation, GDP, employment, interest rates, Treasury yields and upcoming economic releases.
  • Market and sector trends. Leading gainers and losers, active stocks, sector performance and industry valuations.
  • Technical indicators. Moving averages, relative strength, volatility and trend indicators.
  • Corporate events and filings. IPOs, mergers, acquisitions, SEC filings, delistings and ticker changes.
  • Index membership and ESG. Current and historical index constituents, plus environmental, social and governance ratings.
  • News and announcements. Company news, press releases, market headlines and updates on currencies and crypto.
  • Market schedules. Exchange opening hours, trading holidays and upcoming earnings, dividend and IPO calendars.

Coverage, history and update frequency vary by market and dataset; some prices are delayed. Ask Marisco what you want to investigate, and it can help you make sense of the available data.

Explore the data catalogs: FMP and EODHD.

What is a report?

A question you can come back to. Ask about your dividends, a retirement plan or a Monte Carlo of your mix, and Marisco builds a report from your own numbers, with every assumption yours to change.

What is a scout?

A job you describe once, in plain language. Try: “Keep an eye on Nvidia and send me a weekly roundup of earnings and product news.” Your scout checks in the background and brings you a personalised newsletter, on your schedule or when there’s something worth knowing.

How much does it cost?

Marisco is free during its private, invitation-only beta. Request an invitation below and we’ll be in touch.

Can I use a local model?

Yes. The agent built into Marisco runs on Pi, and Pi works with a model on your own Mac, through Ollama, LM Studio or any OpenAI-compatible server. Set it up that way and your questions, the answers and your portfolio never leave your Mac. Only price lookups go out, by ticker.

What happens to my portfolio data?

It stays on your Mac, encrypted. We have no access to it. You can read more about how we handle personal data in our Privacy Policy.

Read our Privacy Policy

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