Automated and passive ETF and stock portfolio investing via the DEGIRO broker.

• Passive - Set and forget, so you don't have to remember to invest your balance. Ideal with scheduled payments.
• Portfolio - Define your ETFs or stocks portfolio with a target allocation ratio.
• Rebalancing - Finds the optimal way to rebalance your portfolio with new orders to match your target allocation.
• Limits - Set limits for maximum and minimum order amounts, and maximum fees.
• Scheduling - Run monthly, daily, or anything in between on a custom schedule.
• Logging - All decisions and orders are logged for monitoring and transparency.
• Dry mode - Use dry mode to test and review before committing.

Install using Docker Compose by copying the compose example below or the compose.yaml file.

services:
  degiromatic:
    image: ghcr.io/dkempen/degiromatic:1
    container_name: degiromatic
    restart: unless-stopped
    environment:
      # For all configuration environment variables, see the documentation
      DEGIRO_USERNAME: username
      DEGIRO_PASSWORD: password # Use .env or Docker Secrets!
      DEGIRO_TOTP_SEED: totp_seed # Use .env or Docker Secrets!
      PRODUCT_VWRL_ISIN: IE00B3RBWM25 # Example product, replace with your configuration
      PRODUCT_VWRL_EXCHANGE: 200
      PRODUCT_VWRL_RATIO: 100
      DRY_RUN: true # Set to false only when done testing
      TZ: Europe/Amsterdam
    volumes:
      - ./data:/data

The tool is configured entirely via environment variables. This section describes all available configuration options and their meanings. Only required variables without a default value have to be manually defined.

The logs and login session data persist inside the /data directory, which can optionally be mounted for outside access and persistence.

Optionally, the container can be run as another user with the user instruction syntax: user: UID:GID. For example user: 1000:1000 in the compose file. When doing so, make sure that the user has permission to write to the data directory.

The tool uses the products configuration to build the desired portfolio and place product orders automatically. In the examples below, VWRL on the EAM exchange is used as an example product.

The products of the desired portfolio are configured as a list of environment variables with the symbol as the key for each config. A couple of notes:

• At least 1 product must be specified in the portfolio. There is no maximum number of products, as long as the keys (symbols) are unique.
• All portfolio products have to be owned beforehand in your existing portfolio. This acts as an extra safety measure. If a configured product is not already present in your owned portfolio, the run will be cancelled.
• If there are any other products in your owned portfolio that are not in your configuration, they will be ignored and treated as if they don't exist.

Example with a single product (VWRL):

PRODUCT_VWRL_ISIN: IE00B3RBWM25
PRODUCT_VWRL_EXCHANGE: 200
PRODUCT_VWRL_RATIO: 100

Example with multiple products (IWDA and IEMA):

PRODUCT_IWDA_ISIN: IE00B4L5Y983
PRODUCT_IWDA_EXCHANGE: 200
PRODUCT_IWDA_RATIO: 88
PRODUCT_IEMA_ISIN: IE00B4L5YC18
PRODUCT_IEMA_EXCHANGE: 200
PRODUCT_IEMA_RATIO: 12

The product ratios are calculated in relation to each other, not as fixed percentages that add up to 100%. So for example, a configured portfolio of product A with ratio 4 and product B with ratio 1, will be calculated to the percentages 80% and 20%. However, it is useful to set the ratios to the exact percentages adding up to 100% for extra clarity. So the last example can also be configured with 80 and 20.

The symbol (or ticker) is the 1 to 5 character long code that describes the exact financial product on an exchange. For example the code for Vanguard FTSE All-World UCITS ETF USD Dis on the EAM exchange is VWRL. It is listed on the details page and next to the product.

The ISIN is the 12 character long code that describes the exact financial product on an exchange. For example the code for VWRL on the EAM exchange is IE00B3RBWM25. It is listed on the details page and next to the product.

The exact same product can often be bought on different exchanges. So in order to specify which one, a couple of steps are needed. The exchange ID is the same for all products on the same exchange, so you only need to look this up once per exchange.

1. On the DEGIRO website, open DevTools by pressing F12 and navigate to the Network tab to see requests.
2. Now search the product by symbol (ticker) or ISIN in the search bar in the top left.
3. Look for a request like this https://trader.degiro.nl/productsearch/secure/v1/lookup?searchText=IE00B3RBWM25, and view the response data.
4. Click on the product on the exchange you want.
5. Confirm that the exchange is the one you want on the details page of the product.
6. Take note of the product ID (in this case 4586985) by looking at the URL on the details page https://trader.degiro.nl/trader/#/products/4586985/overview.
7. Look up the product ID in the open request response data from step 3 and copy the exchange ID (exchangeId). In this case 200 for EAM, Euronext Amsterdam.

The SCHEDULE environment variable defines when the tool runs and attempts to buy products. It is not a problem if the schedule triggers more than necessary, as the tool will first check the cash amount before buying products. However, running it sparsely reduces log noise and is useful when you want to avoid buying at certain times or dates.

The schedule uses the cron syntax with some additional features. See the Croner docs for pattern specifications. Legacy cron syntax has been disabled in Croner to allow for more complex schedules (see the examples). A minimum interval of 1 minute per schedule is enforced. You can also combine multiple cron schedules using a ; separator in cases where a single pattern is insufficient. Below are a few example schedules:

1. Install Node.js.
2. Install pnpm.
3. Clone this repository.
4. Copy example.env to .env and update the configuration.
5. Install dependencies and run:

pnpm start