Gylder and the alternatives
Almost everyone tracking their money already uses something. A spreadsheet, the app their broker hands them, a portfolio tracker, or one of the international net worth apps. This page says plainly what each of those is built for and where Gylder is different, so you can work out in a couple of minutes whether it is worth your evening.
No scoring, no grid of ticks. The products below are good at the job they were designed for. The only question worth asking is whether that job is yours.
What this page compares on
- Everything, not just the traded part
- Bank balances, broker positions, crypto, the house, the mortgage against it and the gold in the safe, adding up to one number instead of four apps you total in your head.
- The numbers a broker does not show you
- Cost basis that survives a transfer, realised and unrealised split apart, time-weighted and money-weighted return, dividends already announced and the ones still to come.
- Built in euros, for the Netherlands
- The euro as the base currency rather than a conversion, a mortgage modelled as the loan parts it actually has, and financial data encrypted with a key unique to your account and held in EU data centres.
The spreadsheet
Excel, Google Sheets, Numbers
Built for Anything you can describe in rows and columns, which is why it is still the most common way people track their net worth.
A spreadsheet is genuinely hard to beat on flexibility, and it is the alternative we hear about most. What it costs is your weekend. Prices typed in by hand, a broker export reconciled every quarter, an amortisation schedule you built once and no longer fully trust, and a cost basis that quietly breaks the first time you transfer a position. Nothing is wrong with the model. It is the upkeep that wears out.
Gylder keeps the same columns you would have built and updates them without you. Prices refresh on their own, exchange holdings arrive over a read-only API key, a DeGiro export imports with its full transaction history behind it, and manual holdings such as property and precious metals are revalued rather than sitting at the number you last typed. You can still export the lot to CSV, so the spreadsheet stays available rather than being taken away.
Your broker's or exchange's own app
DeGiro, Bitvavo, Coinbase, Kraken
Built for Showing you the money held with them, accurately, in detail and at no extra cost.
They are the authoritative source for their own slice, and they should be. What none of them can do is see the other slices. If your money sits with a broker, an exchange and two banks, and a third of your net worth is a house with a mortgage against it, no single one of these apps holds enough to give you a total.
Gylder connects to them rather than replacing them. Bitvavo and Coinbase link with a read-only API key, DeGiro imports from your own account export, and Kraken is built and switches on once we finish testing it. Bank connections over open banking (PSD2) arrive in September 2026, covering ING, ABN AMRO, Rabobank, Bunq, SNS and 100+ other banks across the Netherlands, Belgium, Germany and nine other countries. Anything without a connection, such as property, precious metals, a loan or a business stake, you add once and Gylder keeps valuing it.
Portfolio trackers
Portfolio Performance, getquin, Parqet
Built for The investment portfolio, and several of them do it very well.
Portfolio Performance is free, open source and runs on your own machine, which is the right answer if you want your data on a disk you own and you are happy entering transactions yourself. getquin and Parqet are polished, largely German-speaking products with a community around them. All three are portfolio tools first. The portfolio is the subject, and the rest of your balance sheet sits outside the frame.
Gylder treats the portfolio as one section of a balance sheet rather than the whole document. The same account that shows your cost basis, your time-weighted return and your dividend calendar also carries the mortgage, the savings and the manual entries, and the net worth chart at the top is built from all of it. If the portfolio really is all you own, a dedicated portfolio tracker may serve you better, and we would rather say that here than after you have paid.
International net worth apps
Kubera and similar
Built for Consolidating wealth across countries, currencies and asset types, aimed at a global and largely US audience.
This is the closest comparison to what Gylder does, and the category we expect to be measured against. These products are strong on breadth: many currencies, many exchanges, many kinds of asset, including the awkward ones. The trade-off is that none of it is specifically Dutch. The euro is a converted currency, a mortgage is one number rather than three loan parts on different schedules, and where the data is hosted is a question you have to go looking for.
Gylder is EU-first by construction. The euro is the base currency, not a conversion. A Dutch mortgage is modelled as the loan parts it actually has, annuïteit, lineair or aflossingsvrij, each with its own rate, schedule and extra repayments. Financial data is encrypted with a key unique to your account before it is stored and kept in EU data centres, and a bank connection is read-only account information access under PSD2. Pro is €15 a month, Basic €8, both starting with a 14-day free Pro trial.
Your bank's own overview
The spending and net worth views inside ING, Rabobank and ABN AMRO
Built for Explaining the money that moves through that one bank: what came in, what went out and roughly what it went on.
They are good at spending, they are already on your phone and they cost nothing. They also stop at the edge of the bank. Your broker account, your exchange balances, the house and the mortgage on it are, as far as that app is concerned, not there at all.
Gylder categorises spending too, but the categories sit next to the portfolio and the property, so a month of heavier spending and a month of market movement land in the same number instead of two apps that never meet.
When Gylder is not the right choice
- You want a budgeting app
- Gylder shows you where you stand and what changed. It does not do envelopes, budgets set in advance or a plan for the month ahead.
- You want financial advice
- Gylder is not a financial adviser. It shows you your financial picture and it does not tell you what to buy, sell or hold.
- You hold one account and nothing else
- Your broker's own app is free and authoritative for exactly that. A second tool earns its place once there is a second thing to track.
- You want it free
- Gylder is paid for by subscriptions rather than by selling or brokering your data, and that means there is a bill. The 14-day free Pro trial exists so you can find out before it arrives.
Try it against your own numbers
Fourteen days of Pro, free. Import a DeGiro export or link an exchange with a read-only key, and you will know within an evening whether the picture is worth keeping.