About Quantic

Tracking dividends is straightforward until your holdings cross a border. Then the payments arrive in currencies you don't spend, each already reduced by tax withheld in the country that paid it; your broker exports dates and decimals in whatever convention it likes; and at the end of the year you need gross-and-withheld per country rather than the net figure that landed in your account. Most trackers treat all of that as an edge case.

Quantic treats it as the main case. It reads the file your broker gives you whatever conventions that file uses, keeps each payment in the currency it was actually paid in, converts at the rate that applied on that payment's own date, and assembles a tax year you can hand to whoever prepares your declaration.

This work started with European investors because that is where the problem bites hardest — a dozen tax regimes and several currencies inside one continent. None of it is Europe-only. Invest from the United States or anywhere else and the same machinery applies: US listings are fully supported, a dividend paid in your own country is never marked down for a withholding nobody took, and a foreign holding is handled the way cross-border dividends actually work. The one part that depends on where you file is the tax report's disposals section, and it says so.

There is no parser per broker. You tell Quantic once what your export's columns mean — date, ticker or ISIN, quantity, price, fee — and it remembers. It infers the date and decimal format from your own rows rather than asking, reads buys and sells from the sign of the quantity, folds the commission into the cost basis instead of discarding it, and identifies holdings by ISIN, so a company that changes ticker keeps its history instead of splitting into two positions. Validated against a real DEGIRO export at 44 of 45 rows, with no DEGIRO-specific code involved.

The per-year tax report covers dividends wherever you live, and disposals for Spanish residence, with FIFO and the two-month repurchase rule. Each currency leg converts at the rate for its own date rather than one year-end average, and holdings are followed by ISIN across ticker changes so a renamed company does not drop its payments. It reconciled to within 0.05% of both a broker's own euro total and a paid professional report.

You never hand over a broker login: you upload a file you exported yourself, so there is no credential to leak and nothing to revoke. The interface speaks seven languages, six of them fully translated, each served from its own domain. The core is free, and an MCP endpoint lets an AI assistant answer questions about your own portfolio.

Every guide on this site names a real limitation, and this is the page that collects them. A tool that lists only what it does well is a brochure, and you would find these out in week two anyway.

The tax report is a beta, and its disposals section is Spain only.

The dividend half works for any tax residence: it reports what you received and what was withheld, per source country. The capital-gains half is only modelled for Spanish residence — so if you file in the United States, Germany or anywhere else, you get the dividend section and no disposals section. Producing FIFO numbers under rules we have not implemented would be worse than producing none. Either way it computes no liability and claims no tax credit: it is an input to a declaration, not the declaration.

Nothing imports options.

Every option position is entered by hand. No broker export Quantic reads carries them today, and the app would rather say so than list a broker it cannot actually deliver.

It is a file importer, not a broker connection.

There is no live sync and no balance that updates itself the moment you trade. You export a statement when you want to bring things up to date, and Quantic reads it. That is the direct cost of never asking for your credentials.

It is small, and independent.

One person builds and runs it. That is why it can afford to care about comma decimals and withholding at source, and equally why it moves at the pace it moves.

Quantic is built by Francesc Leveque, a software engineer who wanted a dividend tool that was as useful and as complete as he could make it, starting with the one he needed for his own portfolio. It runs on Elixir and Phoenix LiveView, on a single server in Europe, and it is not venture funded — which is why the free tier can stay free and why there is no incentive to sell your data or your attention.

If something reads wrong, a number looks off, or your broker's export defeats the importer, saying so is genuinely useful — those reports are how most of the import edge cases got fixed.