The Finary alternative built for a Dutch balance sheet
Two European answers to the same question.. Here is where they differ.
Both European, both in euros. Gylder computes returns on the money you put in, models a Dutch mortgage part by part, and encrypts in Frankfurt. From €8 a month.Finary is Europe's largest wealth dashboard, euro-native and hosted in Europe, and on several points it reaches further than we do. Gylder is narrower on purpose: PSD2 connections to 2,700+ banks across 29 countries, returns worked out on the money you actually put in, a Dutch mortgage modelled loan part by loan part, and every balance encrypted in Frankfurt with a key unique to your account. 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
Why Gylder
Four reasons to choose the narrower product.
These are the closest neighbours on our whole alternatives page: both European, both euro-native, both keeping data in Europe. So the differences are not about the flag. They are about what happens after the connection is made, and about what gets computed from it.
- Why Gylder
Bank connections as regulated account information access.
Gylder connects over PSD2 through Enable Banking, based in Finland, which keeps no copy of your data, and the access is read-only account information access. Finary's security page names Plaid, Powens and Flanks as the regulated aggregators that handle credentials, and states read-only access; the words open banking and PSD2 do not appear on their site.
- Why Gylder
A return figure that counts what you put in and what you took out.
Gylder computes the annualised return on the money you actually deposited, using XIRR, and includes realised profit and a cost basis that survives a transfer between brokers. Finary's own performance article defines its figure as the difference between your unit purchase price and today's price, states that the calculation ignores deposits and withdrawals, and says realised gains are not currently taken into account.
- Why Gylder
Your financial data stays in the EU, encrypted with a key unique to your account.
Gylder encrypts every balance with AES-256-GCM before it is stored, using a key that belongs to your account alone, keeps everything in Frankfurt, and does not transfer your financial data out of the EU. Finary's security page states AES-256 at rest and TLS in transit; their privacy policy describes servers in Belgium, Germany and the Netherlands and carries a section on transfers outside the European Union under Articles 45 and 46 of the GDPR.
- Why Gylder
A Dutch mortgage, loan part by loan part.
Gylder models each part as annuity, linear or interest-only, with its own rate, fixed-rate period and extra repayments, which is how Dutch mortgages are actually sold. Finary does model loans properly too: their help centre documents an amount, a monthly payment, a rate, a start date and a term, with tiered, deferred, renegotiated and bullet variants, linked to a property, recalculated monthly by their own model.
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 Finary on privacy
Where your balance sheet lives, and who can read it.
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 who can open it, matters more than any feature.
Both companies are European and both publish what they do, which is more than most of this category manages. The distinctions worth reading are narrower: which company holds your bank credentials, whether the data is ever transferred out of the EU, and whether a copy of the database on its own would show anything. The table sets those side by side in each product's own words.
| Privacy point | Gylder | Finary |
|---|---|---|
| Where your financial data is stored | Frankfurt, Germany, inside the EU | Google Cloud in Belgium and Germany, and Digital Ocean in the Netherlands, per their privacy policy |
| Leaving the EU | Your financial data stays in the EU | Their privacy policy has a section on transfers outside the EU, under Articles 45 and 46 of the GDPR |
| The company behind it | cdum B.V., a Dutch company, KvK 93033613 | Finary SAS, Paris, RCS Paris 892 357 724, per their legal notice |
| Bank connections run through | Enable Banking, based in Finland, which keeps no copy of your data | Plaid, Powens and Flanks, per their security page |
| Encryption | Every balance encrypted with AES-256-GCM before it is stored | AES-256 for data stores and backups at rest, and TLS in transit, per their security page |
| Who can open your data | A key unique to your account; a copy of the database alone reveals nothing | Their security page states Finary can access your data with your explicit consent and for debugging, and that those actions are logged and audited |
| How the product is paid for | Subscriptions only, no advertising and no data sales | Subscriptions; their privacy policy states they do not and will not sell your personal data to third parties |
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, fixed-rate period and extra repayments, so the debt on your balance sheet is the debt you actually have. Finary models loans in detail as well: their help centre documents an amount, a monthly payment, a rate, a start date and a term, with tiered, deferred and bullet variants and a link to the property. The difference is the shape of the model rather than whether there is one — ours is built around the Dutch loan part, theirs around the loan as a whole.
Start 14 days of Pro, freeGylder vs FinaryGylder vs Finary, point by point
The closest comparison on this site.
Tap a topic to compare.Pick a topic to compare.
| Getting your numbers in | Gylder | Finary |
|---|---|---|
| European bank accounts over open banking (PSD2) | Yes:Live: 2,700+ banks in 29 countries, as read-only account information access | Partly:Bank connections through Plaid, Powens and Flanks; their site does not use the words open banking or PSD2 |
| Broker and exchange holdings without typing | Yes:DeGiro, Bitvavo and Coinbase connect directly | Yes:Degiro, Trade Republic, Interactive Brokers, eToro and several exchanges, per their help centre |
| Prices refresh on their own | Yes:Yes | Yes:Yes |
| A European home kept at today's value | Yes:Revalued for you | Yes:Automatic valuations with PriceHubble in six countries including the Netherlands, updated weekly, per their help centre |
| Precious metals revalued | Yes:Yes | Yes:Yes, over a thousand types of bars and coins, per their help centre |
| Life insurance, private equity, startups and watches as their own asset types | Partly:Addable by hand, without their own asset type | Yes:Yes, each with its own category, per their help centre |
| What it keeps track of | Gylder | Finary |
|---|---|---|
| A mortgage modelled in detail rather than as one balance | Yes:Separate loan parts: annuity, linear, interest-only, each with its own rate and schedule | Yes:Amount, monthly payment, rate, start date and term, with tiered, deferred and bullet variants, per their help centre |
| Savings and cash counted alongside investments | Yes:Yes, balances arrive over PSD2 | Yes:Yes: checking, savings and high-yield accounts, per their help centre |
| Transactions sorted into spending categories | Yes:Yes | Yes:Yes: budget management and expense categorisation, per their site |
| A daily net worth history | Yes:Yes | Not stated:Their site does not say |
| A household seen as several members | No:One balance sheet per account | Yes:Family mode on their paid plans, per their site |
| What it works out for you | Gylder | Finary |
|---|---|---|
| Annualised return on the money you put in | Yes:Yes (XIRR) | No:Their performance page defines the figure as purchase price against today's price, ignoring deposits and withdrawals |
| Realised profit counted in your return | Yes:Yes | No:Their performance page states realised gains are not currently taken into account |
| Cost basis behind every position | Yes:Yes, and it survives a transfer between brokers | Partly:Editable per asset; their help centre states unit cost cannot be calculated for crypto exchanges and wallets |
| Dividends received and yield on cost | Partly:Dividends and yield on cost, with the coming year projected from the last twelve months | Yes:A calendar of past and upcoming dividends and rents, and a twelve-month estimate, per their site |
| Portfolio against a market index | Yes:Yes | Not stated:Their site does not say |
| Privacy and security | Gylder | Finary |
|---|---|---|
| Where your data is stored | Yes:Frankfurt, Germany | Yes:Belgium, Germany and the Netherlands, per their privacy policy |
| Your financial data stays in the EU | Yes:Yes | Partly:Their privacy policy describes transfers outside the EU under Articles 45 and 46 of the GDPR |
| Encrypted at rest | Yes:Yes: AES-256-GCM with a key unique to your account, so a copy of the database alone reveals nothing | Yes:Yes: AES-256 for data stores and backups, per their security page |
| Read-only connections | Yes:Yes | Yes:Yes, per their security page |
| Two-factor sign-in | Yes:Yes, on every login | Yes:Yes, per their help centre |
| Encryption key destroyed when you delete your account | Yes:Yes; backups age out within seven days | Not stated:Their site does not say |
| Price | Gylder | Finary |
|---|---|---|
| Price | Yes:Basic €8 a month; Pro €15 a month or €150 a year | Not stated:Annual plans alongside a free one; a promotion was running over the list price, so read the figure on their own pricing page rather than ours |
| Billed in | Yes:Euros | Yes:Euros |
| Free trial | Yes:14 days of Pro | Yes:Yes, with the length depending on the plan, per their pricing page |
| A free plan you can stay on | No:Not yet: a 14-day Pro trial instead | Yes:Yes, per their pricing page |
| Export everything you have put in | Yes:One click, as CSV | Not stated:Their site does not describe an export out of the product |
Gylder fits a Dutch balance sheet with a mortgage on it.Gylder is the better fit for a Dutch balance sheet with a mortgage on it.
- 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
Choose Finary if you want the wider product.
Finary reaches further than we do on several things and we would rather point at them than pretend otherwise: automatic property valuation in six countries, life insurance, PEA, PER, private equity, startups and watches as their own asset types, a family mode, and a free plan. If your wealth is spread across those shapes, or you want the broadest connection list in Europe, read their site.
QuestionsQuestions people ask before switching
Gylder connects over PSD2 through Enable Banking, a Finnish provider that keeps no copy of your data, as read-only account information access. Finary's security page says credentials are handled by regulated aggregators — Plaid, Powens and Flanks — and that access is read-only. The practical difference is how many companies hold a connection to your bank, and where they are.
No, and this is the largest functional difference between them. Gylder computes XIRR, the annualised return on the money you actually deposited and withdrew. Finary's own performance article defines its figure as your unit purchase price against today's price, says the calculation ignores deposits and withdrawals, and says realised gains are not currently taken into account. Those answer different questions.
In Frankfurt, Germany. Every balance is encrypted with AES-256-GCM before it is stored, using a key unique to your account, so a copy of the database alone reveals nothing. Our PSD2 connection provider keeps no copy of your bank data, and every login uses two-factor authentication. Your financial data is not transferred out of the EU.
Both model loans seriously. Gylder is built around the Dutch loan part: each part is annuity, linear or interest-only with its own rate, fixed-rate period and extra repayments, which is the form Dutch mortgages are actually sold in. Finary documents a loan as an amount, monthly payment, rate, start date and term, with tiered, deferred and bullet variants, recalculated monthly by their own model. If your mortgage is three parts on three schedules, ours is the closer fit.
Gylder Basic is €8 a month and Pro is €15 a month or €150 a year, with the first 14 days of Pro free. We are not quoting Finary's price here: their pricing page had a promotion running over the list price when we read it, and we would rather send you to read it yourself than publish a figure that may be the wrong one. They do offer a free plan, which Gylder does not.
Yes, in both. Gylder revalues property and precious metals for you. Finary's help centre describes automatic valuations through PriceHubble for apartments and houses in six countries including the Netherlands, updated at least weekly, with a confidence score. This is a row they are strong on and we say so.
Add it by hand, from private stakes to DeFi positions. Want it tracked automatically? Request it: the Gylder team adds the integrations members ask for.
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.