The Capitally alternative with live bank connections
Your whole balance sheet, kept up to date by the banks., not by you.
Capitally's figures are the ones you last uploaded, by their own design. Gylder's come from the bank, over PSD2, from €8 a month.Capitally is a serious analytical tool, and on several things it does more than Gylder does. What it does not do, by its own design, is connect to your accounts: their site states there is no open-banking aggregator in the data path and no background sync, so the figures are the ones you last uploaded. Gylder's come from the bank — live PSD2 connections to 2,700+ banks across 29 countries, DeGiro, Bitvavo and Coinbase, from €8 a month.
- PSD2 livePSD2 live · 2,700+ banks
- Stored in FrankfurtStored in Frankfurt
- Your own encryption keyEncrypted before storage, key unique to you
- No ads, no data salesNo ads, no data sales
- PSD2 live for 2,700+ banks in 29 countries
- Data stays in the EU
Where Capitally is stronger
Four things Capitally does that Gylder does not.
Capitally beats Gylder on more points than any other product this family compares against, so the page starts there. All four come off their own site.
Encryption performed in your browser
Capitally's security page describes AES-256-GCM performed in the browser, with keys derived from your password on your own device. Gylder encrypts on the server, with a key unique to your account, before the data is stored — a different architecture, and on this point theirs is the stronger one.
Reporting in any of 130+ currencies
Capitally holds every transaction in the currency you paid in and reports in whichever you pick, splitting capital return from currency return. Gylder converts everything to euros today; reporting in another currency is on the way.
Options, shorts and margin
Their Captain plan prices options from strike, expiry and multiplier and shows delta, theta, gamma, vega and rho, alongside short positions and margin estimates. Gylder tracks none of that. They also state that futures and CFDs are not native instruments.
Tax figures, including Dutch box 3
Capitally ships tax presets for a list of countries that includes a Netherlands box 3 preset, and flags that several presets are early and may contain inaccuracies. Gylder produces no tax figures at all.
Why Gylder
Four reasons Gylder fits a European household better.
Capitally is built for an investor who wants analytical depth and is happy to feed it. Gylder is built for a household that wants the picture to be right without being maintained.
- Why Gylder
Live PSD2 connections to 2,700+ banks across 29 countries.
Gylder's PSD2 connections reach 2,700+ banks across 29 countries, and DeGiro, Bitvavo and Coinbase connect too. Capitally's security page states there is no open-banking aggregator, no shared password and no third party in the data path, and that imports happen only by file upload or manual entry — a deliberate architecture, and the trade-off this page is about.
- Why Gylder
Balances that refresh without you.
Your bank balances, broker positions and exchange holdings arrive on their own, so the number on the dashboard is today's. Capitally states “No background auto-sync” and “You decide when it updates”, and says it is not the right fit for a hands-off aggregator dashboard.
- Why Gylder
A mortgage as the loan parts it really has.
Gylder models each part as annuity, linear or interest-only, with its own rate, fixed-rate period and extra repayments. Capitally models a mortgage properly too — a custom Loan or Mortgage asset with rate, compounding, amortisation and dated rate resets — but their site does not describe splitting one mortgage into separate loan parts, which is how most Dutch mortgages are written.
- Why Gylder
A forgotten password is not the end of your data.
Gylder encrypts every balance with a key unique to your account, held server-side, so you can reset a password and keep your history. Capitally's own pages state that a project password cannot be reset and the data behind it cannot be recovered — the honest cost of encrypting in the browser, and worth knowing before you choose either way.
Swipe for all four
Privacy, the European way
Your financial data stays in Europe, encrypted before it is stored.Your financial data stays in Europe, and is encrypted before it is stored.
Gylder was built for European rules from the first line of code. A copy of our database, on its own, reveals nothing.
- GDPR compliant
- EU data centres
- PSD2 regulated
- AES-256-GCM
Encrypted before it is stored
Every balance is encrypted with AES-256-GCM using a key unique to you. A copy of our database alone reveals nothing.
Read-only by nature
Connections can only ever read. Gylder never trades, transfers or touches your funds.
Kept in the EU, two-factor sign-in
All data lives in Frankfurt, Germany, GDPR-compliant by design, and every login uses two-factor authentication.
Yours to take and to delete
Export everything in one click. Delete your account and the key your data was encrypted with is destroyed with it; encrypted backups age out within seven days.
Swipe for more
Gylder vs Capitally on privacy
Where your balance sheet lives, and how it is protected.
A net worth tracker holds the most complete picture of your finances that exists anywhere: every account, every holding, your home and your debts, in one place. Where that picture is stored, and how it is protected, matters more than any feature.
This is the row Capitally is built to win, and it wins it: their security page describes AES-256-GCM performed in your browser with keys derived from your password on your own device. Gylder encrypts server-side with a key unique to your account before the data is stored, which is the weaker claim of the two and the one that lets a bank connection exist at all. The rest of this table is about what each approach costs.
| Privacy point | Gylder | Capitally |
|---|---|---|
| Where your financial data is stored | Frankfurt, Germany, inside the EU | Their help pages say EU data centres; their privacy policy says some hosting facilities are situated in the United States |
| The company behind it | A European company, based in the Netherlands | CAPITALLY p.s.a., Warsaw, Poland |
| Bank connections run through | Enable Banking, based in Finland, which keeps no copy of your data | Nothing: their security page states there is no aggregator in the data path, and imports are files you upload |
| Encryption | Every balance encrypted with AES-256-GCM before it is stored, server-side | AES-256-GCM performed in the browser, keys derived from your password, per their security page |
| If you forget your password | Reset it and keep your history; the key belongs to your account | Their site states a project password cannot be reset and the data behind it cannot be recovered |
| What pays for the product | Subscriptions. Gylder sells nothing else | Subscriptions, stated as their only revenue line |
Only in Gylder
Your mortgage is not one number.
Most Dutch mortgages have several loan parts. Gylder models each one as it really is, annuity, linear or interest-only, with its own rate, schedule and extra repayments. Capitally models a mortgage seriously too, as a custom Loan or Mortgage asset with a rate, compounding, an amortisation schedule and dated overrides for rate resets and payment holidays. What their site does not describe is splitting one mortgage into separate loan parts, each with its own rate and end date — which is how a Dutch mortgage is usually written.
Start 14 days of Pro, freeGylder vs CapitallyGylder vs Capitally, feature by feature
Point by point, starting with the points Capitally wins.
Tap a topic to compare.Pick a topic to compare.
| Where Capitally is stronger | Gylder | Capitally |
|---|---|---|
| Encryption performed in your own browser | No:No: Gylder encrypts server-side, with a key unique to your account, before storing | Yes:Yes: AES-256-GCM in the browser, keys derived from your password |
| Reporting in a currency other than the euro | Partly:Everything converted to euros today; other reporting currencies are on the way | Yes:Yes, 130+ currencies, with capital and currency return split apart |
| A cost-basis method you choose | No:Weighted-average cost only; FIFO and specific-lot are not built yet | Yes:FIFO, LIFO, highest cost, lowest cost, specific lot or average cost |
| Options, short positions and margin | No:Not part of Gylder | Yes:Yes, on their Captain plan, with option Greeks |
| Tax figures for your country | No:Not part of Gylder | Yes:Yes, including a Netherlands box 3 preset; they flag some presets as early |
| Time-weighted return (TWR) | No:Not yet: Gylder computes money-weighted return | Yes:Yes, alongside money-weighted return |
| Getting your numbers in | Gylder | Capitally |
|---|---|---|
| European bank accounts over open banking (PSD2) | Yes:Live: 2,700+ banks in 29 countries | No:By design: their site states there is no open-banking aggregator in the data path |
| Balances refresh without you doing anything | Yes:Yes | No:By design: their site states there is no background auto-sync — you decide when it updates |
| Broker and exchange holdings arrive without typing | Yes:DeGiro, Bitvavo, Coinbase, over a connection | Yes:Yes, from files you upload: 73 broker and 10 crypto-exchange presets |
| Prices refresh on their own | Yes:Yes | Yes:Yes, every 30 minutes or at the market close |
| A European home kept at today's value | Yes:Revalued for you | Partly:Real estate as a custom asset; their site states property is not priced automatically |
| Any other asset, DeFi included | Yes:Yes, and integrations added on request | Yes:Yes: anything priceable, including private equity and collectibles |
| What it keeps track of | Gylder | Capitally |
|---|---|---|
| A mortgage with a rate and an amortisation schedule | Yes:Yes | Yes:Yes, with dated rate resets and payment holidays |
| One mortgage split into separate loan parts | Yes:Annuity, linear, interest-only, each with its own rate | Not stated:Their site does not say |
| Savings and deposit accounts | Yes:Yes | Yes:Yes, with estimated interest income |
| Transactions sorted into spending categories | Yes:Yes | No:By their own guidance, record the balance rather than importing a full statement |
| A net worth history | Yes:Yes, daily | Yes:Yes: owned against owed over time |
| What it works out for you | Gylder | Capitally |
|---|---|---|
| Annualised return on the money you put in (XIRR) | Yes:Yes | Yes:Yes, which they call money-weighted return or IRR |
| Return split into price, dividends and currency | Yes:Yes | Yes:Yes: capital return and currency return separated |
| Dividends received and yield on cost | Yes:Received and yield on cost, with the coming year projected from the last twelve months | Yes:Yes, forecast from the last payment and five-year growth |
| Portfolio against a benchmark | Partly:Against a global-equity index proxy, one at a time | Yes:Yes, up to ten at once, including inflation and policy rates |
| Privacy and security | Gylder | Capitally |
|---|---|---|
| Where the data is stored is stated consistently | Yes:Frankfurt, Germany | Partly:Their help pages say EU data centres; their privacy policy names hosting in the United States |
| Encrypted before it is stored | Yes:AES-256-GCM, with a key unique to your account | Yes:AES-256-GCM, performed in your browser |
| Your history survives a forgotten password | Yes:Yes | No:Their site states a project password cannot be reset or the data behind it recovered |
| Connections can only ever read | Yes:Yes | Yes:Yes: no credentials in the data path at all, per their security page |
| Subscriptions are the only thing the product sells | Yes:Yes | Yes:Yes, stated as their only revenue line |
| Price, and getting your data out | Gylder | Capitally |
|---|---|---|
| Price | Yes:€8 or €15 a month; Pro €150 a year | Yes:Sailor, Navigator and Captain, billed yearly; their own comparison article gives €80, €130 and €250 a year |
| Billed in euros | Yes:Yes | Yes:Yes, taxes included |
| A plan that costs nothing | No:No free tier: 14 days of Pro, then from €8 a month | No:No permanent free tier, as their FAQ states |
| Try the paid tier free | Yes:14 days of Pro | Yes:14 days, no card |
| Export everything you have entered | Yes:One click, CSV | Yes:Every record, in JSON, CSV or Excel |
Want it kept up to date for you? Gylder fits better.If you want the picture kept up to date for you, Gylder is the better fit.
- your money is at European banks, DeGiro, Bitvavo or Coinbase
- you have a mortgage with more than one loan part
- you want your financial data kept in the EU and encrypted with your own key
- you want returns, dividends and spending in one place
- you would rather pay a lower flat price, in euros
And if you would rather your data were encrypted in your own browser, and uploading a file every month is a price you are glad to pay for that — Capitally is built for exactly that, says so plainly, and does more analysis on the other side of it than Gylder does. On options, cost-basis methods, reporting currencies and tax figures it is simply the deeper tool.
Start 14 days of Pro, freeQuestionsQuestions people ask before switching
Anyone for whom browser-side encryption is the deciding feature: Capitally performs it on your own device and Gylder does not. The same goes for anyone who needs options with Greeks, a choice of cost-basis method, reporting in a currency other than the euro, or tax figures for their country — including the Netherlands box 3 preset their site lists. Gylder is the better fit when you want the balances to be the bank's rather than the ones you last uploaded.
On this one axis, yes, and it is worth being plain about it. Capitally encrypts in your browser with keys derived from your password. Gylder encrypts server-side with AES-256-GCM using a key unique to your account, before anything is stored, so a copy of our database alone reveals nothing — but the server does hold that key. That is what makes a live PSD2 connection, a password reset and a daily net worth history possible at all. Which trade-off is right is genuinely yours to make.
No, and they are explicit that this is deliberate: their security page states there is no Plaid, no Yodlee and no open-banking aggregator, no shared password and no third party in the data path, and that imports happen only through file upload or manual entry. Gylder's PSD2 connections reach 2,700+ banks across 29 countries, Dutch banks included, and they are read-only.
Gylder refreshes on its own: bank balances over PSD2, broker and exchange holdings over a connection, prices daily. Capitally states that there is no background auto-sync and that you decide when it updates, with holdings arriving from files you upload — their own site says it is not the right fit for a hands-off aggregator dashboard. Neither is wrong; they are built for different habits.
In Gylder, yes: each part is annuity, linear or interest-only, with its own rate, fixed-rate period and extra repayments. Capitally models a mortgage seriously as well, with a rate, compounding, an amortisation schedule and dated rate resets — but their site does not describe splitting one mortgage into separate loan parts, which is how a Dutch mortgage is usually written.
Not yet. Gylder converts everything you hold in other currencies into euros, so your net worth is always one figure, and support for viewing it in other currencies is on the way. Capitally already reports in any of 130+ currencies and separates capital return from currency return, so if that is what you need, theirs is the tool that does it today.
No. Gylder shows what you own, what it cost and what it has returned, and is not a financial or tax adviser. Capitally ships tax presets for a list of countries that includes a Netherlands box 3 preset, and flags on their own help page that several presets are early and may contain inaccuracies and that the output is for estimating rather than a definitive source.
Try it against your own numbers.
Connect your bank, import DeGiro or link an exchange. You will know the same evening.Connect your bank, import DeGiro or link an exchange with a read-only key. Within an evening you will know whether the picture is worth keeping.