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Launching 19 October 2026Live now: AI analysis for your whole portfolio −25% for every subscription taken out by 31 December 2026

Do you know how good your portfolio
really is?

depiq shows you the quality, risk and allocation of your portfolio in two minutes — clearly explained, without jargon and without sales pressure.

  • Encrypted connection
  • Servers in Germany
  • GDPR compliant
  • Start without payment details
New · the depiq bookDepot-IQ – Financial intelligence for everyoneFree e-book · coming soon · Learn more
The depiq dashboard with an example portfolio: portfolio value, total result since purchase, diversification and positions, with Deqo alongside.The depiq dashboard with an example portfolio: portfolio value, total result since purchase, diversification and positions, with Deqo alongside.
The depiq dashboard on a phone with an example portfolio.The depiq dashboard on a phone with an example portfolio.
  • 2 minutes until your portfolio is set up
  • 10 quality criteria per stock
  • 0–100 portfolio score with an explanation
  • daily market situation for your portfolio
  • AAQS · 10 criteria per stock
  • Concentrations inside your ETFs
  • Dividend calendar
  • Market situation for your holdings
  • Sentiment on the exchanges
  • 13 currencies
  • Deqo knows your portfolio
  • Your own limits with alerts
The problem

Plenty invested.
Little understood.

Most investors know their portfolio value — but not how good, how risky and how spread out their wealth really is.

Without depiq

Guessing, searching, hoping.

3 brokers · 2 ETFs · 6 stocks — and no overall picture

With depiq

See, understand, decide.

Technology38%
Financials19%
Industrials16%
  • Technology 8 points above your limit of 30%
  • Apple: 4% direct + 3% via ETFs = 7%
  • Average quality 7.2 out of 10 — solid
  • No overview

    Positions spread across several brokers, ETFs overlap — how much Apple is really in there?

    depiq adds it all up

  • Gut feeling instead of clarity

    Whether a stock is solid or just sounds good — your broker won’t tell you.

    AAQS checks 10 criteria

  • Concentrations go unnoticed

    Too much technology, too much dollar — risks you only see in a crash.

    Your own limits with alerts

How it works

Three steps
to the whole picture.

No bank access, no installation. You keep full control over your data.

  1. Set up your portfolio

    Import your broker statement — or type in your positions in seconds.

  2. Get clarity

    Quality, allocation, dividends and risks — instantly as a picture, not a desert of tables.

  3. Decide for yourself

    Set your own limits, ask Deqo, stay on top of it — without other people’s tips.

AAQS · the quality score

How good is the company really?

Every stock is measured against 10 fundamental criteria. Every criterion met counts one point — so you understand quality at a glance.

Example company Stock · example values High quality
8 of 10 criteria met
  • Revenue growth 10 years met
  • Revenue growth 3 years met
  • Operating profit growth 10 years met
  • Operating profit growth 3 years met
  • Return on equity met
  • Return on capital employed met
  • Net debt met
  • Profit continuity 10 years met
  • Expected return not met
  • Largest profit decline 10 years not met

The quality score shows how solid a company is. It is not a buy recommendation. Whether you buy is up to you.

Market situation

What is happening on the markets today —
and what it means for your portfolio.

Put into context every morning: sentiment, dates and events — filtered to the stocks and ETFs you actually own.

  • Rate decision Thu, 29 Oct · 14:15 Frankfurt

    ECB decides on the key rate

    Thu, 29 Oct · 14:15

    high significance for your portfolio: 60% of your portfolio is listed in euros
  • Labour market Fri, 6 Nov · 14:30 Washington

    US jobs report

    Fri, 6 Nov · 14:30

    medium significance: affects 5 of your holdings in US dollars
  • Inflation Mon, 9 Nov · 02:30 Beijing

    China inflation data

    Mon, 9 Nov · 02:30

    low significance: affects 2 of your holdings
  • Conflict today Persian Gulf

    Gulf tensions — oil price rising

    today

    medium significance: Energy makes up 8% of your portfolio
  • Rate decision Fri, 30 Oct · 04:00 Tokyo

    Bank of Japan meets

    Fri, 30 Oct · 04:00

    low significance: affects 1 holding in yen
  • Quarterly results Thu, 29 Oct · after the close Cupertino

    Apple reports results

    Thu, 29 Oct · after the close

    medium significance: your largest position · 9% share
Examples · how depiq puts events in context for your portfolio
  • low significance
  • high significance for your portfolio
An event card in depiq: the ECB rate decision, which share of an example portfolio is affected and which positions are meant.An event card in depiq: the ECB rate decision, which share of an example portfolio is affected and which positions are meant.
  • Sentiment gaugeFear or greed — and how much of it hits your portfolio.
  • Dates that matterResults, dividends and central banks for your holdings.
  • Exchanges worldwideWho is trading right now — and which of your holdings are affected.
  • Your share affectedHow much of your portfolio an event actually touches, in percent and amount.
Deqo Your personal AI assistant

Just ask.
Deqo knows your portfolio.

No general stock-market wisdom — answers built on your real positions, as text and as a picture. No tips, no sales pressure. Type or just speak — using your phone’s microphone.

  • Am I too heavy in tech?
  • Dividends in November?
  • How dependent on the dollar?
  • What will the ECB meeting bring?

Your tech share is 42%. That is above your own limit of 30%.

Staying with it

Learn, collect, get better.

Short lessons from the Academy, points for every step towards more clarity — and the “Founding Member” badge for the first 100 paying members – subscription or lifetime.

Your level
Experienced
1,250 more to “Pro-Investor”
  • Beginner reached
  • Investor reached
  • Experienced reached
  • Pro-Investor from 2,000
  • Founding Member first 100
  • Complete your profile +25
  • Finish an Academy lesson +20
  • Upgrade to Pro or Max +200
depiq Academy · Lesson 3 of 8
What the price-to-earnings ratio really tells you
6 minutes

Time in the market beats timing the market.

Tip of the day
  • Understanding diversification
    Lesson · 5 minutes · +20 points
  • How do you read a balance sheet?
    Lesson · 7 minutes · +20 points
Reading shelf
Books that genuinely help investors
What is behind the name
Depot German for portfolio
IQ understanding instead of guessing
financial intelligence

Financial intelligence for everyone —
not just for professionals.

Banks and funds have analysts. Private investors have gut feeling. depiq gives you the same clarity — and the knowledge to use it.

  • See

    Your portfolio as a picture — quality, risk, return at a glance.

  • Understand

    Knowing why something is the way it is — in plain language.

  • Decide for yourself

    With your own rules and limits — without other people’s tips, without sales pressure.

Jürgen Puhm, Founder of depiq
Jürgen Puhm
Founder of depiq · Stuttgart
  • Entrepreneur
  • Investor
  • IT expert
About me

Built by an investor,
for investors.

I am Jürgen, an IT consultant for over 25 years and a private investor. Three portfolios, two apps, one spreadsheet — and still no answer to the simple question: am I well positioned? depiq is the tool I wished for myself.

  • IndependentNo commissions
  • 25+ years in ITBanks and insurers
  • An investor myselfMy own tool
“I wanted to know how good my portfolio really is. Now you can too.”
Jürgen Puhm, Founder
Jürgen Puhm
Founder of depiq

Questions, ideas, feedback? Write to me directly — I reply personally.

Coming soon

Learn to invest.
Simply explained.

"Depot-IQ" is the beginner’s book from depiq: from the money system to stocks and ETFs, gold, real estate and crypto. Step by step, with lots of charts and diagrams.

The book is published in German first.

In the paperback: 25% reader discount on depiq PRO and MAX.

The book "Depot-IQ — financial intelligence for everyone"
  • 32 chapters – from simple to in-depth
  • 179 charts and diagrams – see instead of read
  • €0 free as an e-book (PDF download)
Pricing

Fair, clear, cancel any time.

Start for free. −25% on Pro and Max for every subscription taken out by 31 December 2026 — permanently, as long as your subscription is active.

−25% on Pro and Max for every subscription taken out by 31 December 2026

  1. Register for free
  2. Set up your portfolio
  3. Upgrade in the app if you want

Free

€0
for good · no card, no deadline
  • 1 real portfolio, 3 demo portfolios, 1 watchlist
  • 10 questions to Deqo per month
  • 5 price alerts
  • Stock analysis with price history and quality score (AAQS)
  • Performance of your portfolio
  • Import of transactions from your broker file
+ 2 more featuresShow less
  • Your own home currency
  • PDF per position and watchlist
Start for free

Free forever · no payment details

Popular

Pro

Launch offer −25%
€80.92
per year · works out at €6.74 per month · including 19% VAT
Regular for later subscriptions: €107.90
You save €26.98/year (25%)

Everything in Free, plus:

  • 5 real portfolios, 5 demo portfolios, 5 watchlists
  • 50 questions to Deqo per month
  • 25 price alerts
  • Fair value per security
  • Tax report (page, CSV and PDF)
  • Portfolio export as CSV, Excel and PDF
+ 2 more featuresShow less
  • Rebalancing suggestions
  • Risk metrics
Start for free

Upgrade to Pro in the app — any time, −25% for every subscription taken out by 31 December 2026

Max

Launch offer −25%
€134.92
per year · works out at €11.24 per month · including 19% VAT
Regular for later subscriptions: €179.90
You save €44.98/year (25%)

Everything in Pro, plus:

  • 10 real portfolios, 10 demo portfolios, 10 watchlists
  • 200 questions to Deqo per month
  • Unlimited price alerts
  • Upcoming market events
  • Analyst sentiment
  • Market overview for your portfolios
+ 1 more featureShow less
  • “If you hold”
Start for free

Upgrade to Max in the app — any time, −25% for every subscription taken out by 31 December 2026

Our terms (German) and the right of withdrawal (German) apply. 30-day money-back guarantee. Not investment advice.

Only for the first 100
€399
one-off, no subscription · later €499
Start for free

Secure Lifetime in the app — while places last

Our terms (German) and the right of withdrawal (German) apply. 30-day money-back guarantee. Not investment advice.

Secure payment via

The depiq ecosystem

One platform.
For your whole financial life.

Finance, knowledge and community — in one place.

  • Deqo AI coach
  • AAQS score
  • Alerts & reminders
  • Levels & badges

Academy

  • Knowledge & booksTip of the day, reading shelf
    TodayLive
  • Book: Depot-IQFree as an e-book
    Soon
  • CoursesStep by step to confident investing
    Soon
  • Learning videosExplained in a few minutes
    Soon
  • ChecklistsBefore buying and for your portfolio check
    Soon

Community

  • ExchangeMembers learn from each other
    Soon
  • Live sessionLive together every month
    Soon
Available today · 3 In the works · 7

New modules and extensions are added all the time – sign up and we’ll let you know as soon as one launches.

Be the first to know
Frequently asked questions

Any questions? Here are the answers.

Is depiq investment advice?

No. depiq is an analysis and information tool, not an investment adviser. All assessments, figures and Deqo’s output are for information only and are not a recommendation. The decision is yours alone; when in doubt, ask a licensed financial adviser.

Do I need access to my broker?

No. depiq receives no credentials and no authorisation. You upload a statement or enter positions by hand — there is no further access, and none is planned.

Which brokers and securities work?

You import your broker statement or enter positions by hand. Supported are stocks and ETFs identifiable by an ISIN for which the data provider carries prices — tens of thousands of holdings from the major markets worldwide. Individual holdings may be missing if the provider has no data for them. Cryptocurrencies are not the focus.

Where do prices and figures come from?

Prices, quality assessments and fair values come from a professional financial data provider, exchange rates from the European Central Bank. Deqo’s answers are produced via the Anthropic Claude interface — the calculating happens inside depiq, not in the AI.

What happens to the launch discount if I cancel?

The launch discount (−25% for every subscription taken out by 31 December 2026) applies as long as your subscription is active — even if you change plan later. If you cancel yourself, it ends with the subscription; signing up again later is at the regular price. The “founding member” badge, by contrast, stays with you even after a cancellation.

What sets depiq apart from portfolio trackers?

A tracker shows performance and dividends. depiq goes a step further: the quality of every company against ten criteria, a fair value per position (from Pro), a look inside your ETFs, your limits, and the market situation with the share of your portfolio that depends on it. It is meant for investors who want to understand their selection — not merely administer it.

Is depiq available in English?

The website is available in German and English. The app launches in German; English and Spanish are planned. Prices and billing are in euros.

Is there a light and a dark mode?

Yes, both are complete. depiq follows your system setting first; if you switch yourself, your choice applies — inside the application it stays saved with your account, on other devices too.

Do you now know how good
your portfolio really is?

Find out in two minutes — free and without payment details. −25% for every subscription taken out by 31 December 2026.

Start free