Panoramica vs Sharesight

Sharesight's biggest moat is country-specific tax reporting. In Australia in particular, Sharesight is widely cited by accountants — pre-formatted CGT reports, DRP-aware dividend tracking, and franked-credit handling all out of the box. The same applies to NZ, with similar coverage in UK, CA, and US.

Panoramica does not produce country-specific tax reports. It tracks tax lots (FIFO / LIFO / HIFO) and realised gains, and exports CSV / PDF for your accountant — but it doesn't pre-format an ATO myTax export.

For investors whose primary annual workflow is tax-time portfolio reporting, Sharesight is genuinely the better tool. Pretending otherwise on a comparison page would be misleading.

Sharesight's "unlisted investments" feature lets you record almost any asset — but it's a generic catch-all. A bond becomes "an unlisted investment with a value"; the coupon rate, maturity date, and payment frequency don't live in the data model. The same applies to property (manually valued) and bonds (no fixed-income analytics).

Panoramica's data model is asset-class-aware. Bonds carry coupon, maturity, frequency, and accrued interest. Properties carry address and type. Metals are tracked in troy ounces by metal type with live spot pricing. Cash is multi-currency with live FX. Each of these flows into the analytics — yield projections, currency exposure, allocation breakdowns — in a way that a generic "custom investment" cannot.

Sharesight's "diversity report" shows you breakdowns: country, sector, currency, asset class. It tells you what you have.

Panoramica's 4-dimensional risk engine asks whether what you have is risky. It applies calibrated concentration thresholds — single holding above 25%, top three above 60%, single currency above 80%, single sector above 40% — and surfaces specific concerns with severity ratings. Beyond that: Monte Carlo projections, correlation matrices, scenario analysis ("what if equities drop 30%?"), and AI-generated narrative risk stories that reference your specific holdings.

These are different tools answering different questions. Sharesight reports; Panoramica analyses.

Sharesight is a 15-year-old web product with a mobile companion app. The data model, the workflows, the layouts — all assume a desktop screen.

Panoramica is iOS-first. Every screen is built for a 6-inch portrait display, with iPad layouts where appropriate. The trade-off is honesty: Sharesight runs on every browser; Panoramica doesn't. If you don't carry an iPhone or iPad, Panoramica isn't the right pick.