Snowball Analytics is built around dividends, and on dividends it gives away more on its free plan than HaboFi does. Where it pinches is the ten-holding limit and the cost of lifting it.
The short version
| Snowball Analytics | HaboFi | |
|---|---|---|
| Free plan holdings | 10 | No cap |
| Portfolios | 1 free, 10 on Investor, unlimited on Expert | 1 |
| Dividend calendar | Free plan | Pro |
| Linking a brokerage | Starter and above | Not offered — export upload only |
| Paid plans | Starter, Investor, Expert (USD, billed annually) | Pro, invite-only while payments are finished |
Where Snowball is better
Dividend tools on the free plan. Snowball includes automatic dividend tracking, a dividend calendar and custom withholding tax on every plan. In HaboFi the dividend calendar and projections are Pro. If dividends are the whole reason you want a tracker, Snowball gives you more of that for nothing.
Research depth. Its Investor plan adds ten years of company fundamentals and long-horizon backtests.
Multiple portfolios and brokerage linking on the paid plans. HaboFi has one portfolio per account and no automatic sync.
Where HaboFi is different
No holdings cap on the free plan. Snowball’s free plan stops at ten holdings; HaboFi’s does not stop. For a diversified portfolio that is the difference between the free plan being usable and not.
Your return against the S&P 500 is free, adjusted for deposits over time. For the income side, the distinction between the two dividend yields people quote is in yield on cost versus current yield.
Nothing connects to your broker. You upload a file you exported; no credentials are stored and nothing keeps reading the account.
What the dividend calendar difference means day to day
A dividend calendar answers two questions: what is due, and when. On Snowball’s free plan you get both without paying. On HaboFi the calendar and the forward projections sit behind Pro, while the dividends you have actually received are on the free plan and counted into your return.
So the split is between recorded income and forecast income. If you want to know what landed and how it affects what your portfolio has returned, HaboFi’s free plan covers it. If you plan around the next twelve months of payments — timing a withdrawal, or watching which month is thin — that is the part Snowball gives away and we do not.
Withholding tax, which neither tool can fully solve
A dividend from a company domiciled abroad usually arrives after tax has been deducted at source, and the rate depends on the country pair and on the treaty between them. Snowball lets you set a custom withholding rate. HaboFi reads the tax rows your broker exports and does not ask you to configure a rate.
Both approaches have a failure mode worth knowing. A configured rate is a guess applied uniformly, so it is wrong for any holding that does not match it. Reading the broker’s rows is only as good as the export, and some brokers report the gross dividend and the tax on separate rows that have to be matched up — which is exactly the detail covered in the DEGIRO export guide. Neither is a substitute for your own records at tax time.
Which one fits
- Dividends are the main thing you track: Snowball.
- You want fundamentals history and backtesting: Snowball.
- You hold more than ten positions and want the whole portfolio on a free plan, without linking an account: HaboFi.
HaboFi is free to track with, with no position cap and no card. Upload a broker export and see live P&L and your return against the S&P 500 — no broker login, and nothing that keeps reading your account.
Try HaboFi free