Compare
Gylder and the alternatives
Almost everyone tracking their money already uses something. A spreadsheet, the app their broker hands them, a portfolio tracker, a net worth app, or a dashboard built for one country. 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.
Every product with a page of its own gets the same table of features, so you can open two of them and read them against each other. The products below are good at the job they were designed for. The question worth asking is whether that job is yours.
What this page compares on
Four questions, asked of every product on this page. The comparison page for each product answers them point by point in a table, using the same points every time.
Getting your numbers in
What it keeps track of
What it works out for you
Where it works and what it costs
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 for 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 instead of sitting at the number you last typed. You can still export the lot to CSV, so you keep the spreadsheet if you want it.
Your broker's or exchange's own app
DeGiro, Bitvavo, Coinbase, Kraken, Trade Republic, Scalable Capital
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. 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) are live, covering 100+ banks across 29 countries, from ING and Rabobank to Sparkasse, BNP Paribas and Revolut. 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, Sharesight, Snowball Analytics, Capitally
Built for The investment portfolio, and several of them do it very well.
This is a crowded and genuinely good category. 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 European products with a community around them, and both have been widening what they hold beyond listed securities. Sharesight is built around dividend and tax reporting, Snowball Analytics around rebalancing and goals, Capitally around analytical depth. What they have in common is where the centre of gravity sits: the portfolio is the thing being modelled.
Gylder starts from the whole balance sheet. The same account that shows your cost basis, your return and your dividend calendar also carries the mortgage as the loan parts it actually has, the savings, and manual holdings such as property and precious metals, which Gylder revalues for you. 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.
- Portfolio PerformanceNo single country. The interface is in English and it is not tied to one country's institutions.
- getquinEurope, with its deepest coverage in its home market.
- ParqetGermany, Austria and Switzerland.
- SharesightAustralia, New Zealand, the United Kingdom, Canada and the United States, the countries its tax reports are written for.
- Snowball AnalyticsNo single country. The interface is in English and it is not tied to one country's institutions.
- CapitallyNo single country. The interface is in English and it is not tied to one country's institutions.
- Portfolio Dividend TrackerEurope, with its deepest coverage in its home market.
Net worth apps
Finary, Kubera, Monarch Money
Built for Holding everything you own in one balance sheet, across countries, currencies and asset types.
This is the closest comparison to what Gylder does, and the category we expect to be measured against. They are strong on breadth: many currencies, many institutions, many kinds of asset, including the awkward ones. Finary is European, euro-native and stores its data in Europe. Kubera sits at the premium end and is aimed at a global, largely American audience. Monarch is a household finance product with budgeting at its centre. The question worth asking any of them is not whether they can hold a European mortgage, it is how much of it they model rather than store as a number you maintain by hand.
Gylder is a European product, and the details show it. A mortgage is modelled as the loan parts it actually has, annuity, linear or interest-only, each with its own rate, schedule and extra repayments. The euro is the base currency. Bank connections are read-only account information access under PSD2 across 29 countries. Financial data is encrypted with a key unique to your account before it is stored and kept in EU data centres. Pro is €15 a month, Basic €8, both starting with a 14-day free Pro trial.
- OriginThe United States. Both the bank connections and the tax handling are American.
- EmpowerThe United States. Both the bank connections and the tax handling are American.
- KuberaSeveral countries, with the product and its pricing aimed mainly at the United States.
- FinaryEurope, with its deepest coverage in its home market.
- Monarch MoneyThe United States. Both the bank connections and the tax handling are American.
Your bank's own overview
The spending and net worth views inside ING, Rabobank, ABN AMRO and bunq
Built for Explaining the money that moves through that bank, and increasingly through your accounts at other banks too, now that PSD2 lets one bank pull the others in.
They are good at spending, they are already on your phone and they cost nothing. Several of them will now add your accounts at other banks over open banking, so the old complaint that a bank app only sees its own bank no longer holds. What they still do not carry is the money that is not a bank account: your broker positions, your exchange balances, the house and the mortgage on it.
Gylder categorises spending as well, and puts the categories next to the portfolio, the property and the mortgage. A month of heavier spending and a month of market movement then show up in the same number and on the same chart.
Single-country dashboards
MijnVermogen, Vermogensoverzicht
Built for The household balance sheet of one country, including the parts of it that only exist there. Both products here are Dutch, in Dutch, and built for people living in the Netherlands.
The smallest category on this page, and the one that goes deepest on a single country. These take the local specifics seriously: the mortgage, the pension, the tax picture. They differ from each other completely in how the numbers get in, from a full dashboard to a single page that keeps everything in your own browser.
What separates Gylder here is the connections and the upkeep. Exchange holdings arrive over a read-only API key, a DeGiro export imports with its full transaction history behind it, prices refresh on their own, and bank connections over open banking (PSD2) cover 100+ banks across 29 countries. Anything without a connection, such as property, precious metals, a loan or a business stake, you add once and Gylder keeps valuing it.
When Gylder is not the right choice
You want a budgeting app
You want financial advice
You hold one account and nothing else
You want it free
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.