pviotti / degiro-bookkeeper

Simple financial accounting for Degiro.

Degiro Bookkeeper

This is a simple command line tool to work out earnings and dividends figures for a Degiro account. It takes as input a Degiro account CSV statement file in English language, and outputs to console or to CSV files information about earnings from sells transactions and dividends in a given period.

Disclaimer: I am not a tax expert or a financial advisor, and this software (as any software) may be buggy, so use it at your own risk.

Usage

1. Download your Degiro account statement (Activity > Account Statement) for a certain time period as a CSV file.
2. Supply the downloaded CSV file as input to Degiro Bookkeeper, using parameters as specified in its help message reported below.

$ ./dgbk --help
USAGE: dgbk [--help] [--version] [--year <year>] [--period <period>] [--outputpath <output path>] [--etfbuys] [<input>]

CSVFILEPATH:

    <input>               path of Degiro Account Statement CSV file

OPTIONS:

    --version             print dgbk version
    --year, -y <year>     year (in YYYY format)
    --period, -p <period> Irish CGT tax period (1: Jan-Nov; 2: Dec; default: whole year)
    --outputpath, -o <output path>
                          path for earnings and dividends CSVs output
    --etfbuys             prints and outputs buy transactions of ETFs
    --help                display this list of options.

Features

• compute earnings in € using exact exchange rate as per account statement
• tell apart ETF and shares earnings
• account for Degiro fees on transactions
• account for taxes on dividends automatically deducted by Degiro
• process malformed input CSV (i.e. with garbled rows) and output cleaned up CSV in the same folder as the input file (with -clean.csv suffix)
• work out dividends in €, $ or Can$ in a given year
• output summary of deposits and withdrawals both total and per-year
• output total ADR fees for a given year in $
• output and take into account stock splits
• output and take into account changes in stock name or ISIN
• country-specific features:
  • Ireland:
    • support for CGT tax periods (i.e. Initial and Later - see revenue.ie)
    • support for tracking ETF buy transactions (to comply with Deemed Disposal tax)

Limitations

• only supports Degiro account statements in English language
• only outputs earnings in €
• only supports "Auto FX" (see #136)
• only supports transactions in € or USD

FAQ

Q: Why is my Degiro Annual Report showing numbers slightly different from the Account Statement?

In the Annual Report we use the exchange rates of the close price of the day the document is created. The Account Statement uses more accurate data, but the difference should be negligible. However, please remember that this report is not an official document as Degiro is not providing tax related services.

-- Degiro customer support (queried via mail, December 2021)