The getquin alternative built around your balance sheet
Your whole balance sheet, not just the portfolio., from the banks you actually use.
2,700+ banks across 29 countries, DeGiro, Bitvavo and Coinbase, plus the house and the mortgage as its real loan parts. From €8 a month.getquin is a strong European portfolio tracker with a free plan, and if your money is mostly securities it may be all you need. Gylder starts a level up: live PSD2 connections to 2,700+ banks across 29 countries, DeGiro, Bitvavo and Coinbase, a mortgage modelled loan part by loan part, and property and precious metals revalued for you. 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 getquin is stronger
Four things getquin does that Gylder does not.
This page is an argument for Gylder, so it should start with the places getquin wins. All four come off their own site.
A plan that costs nothing
getquin's Free tier is €0 a year, and their pricing page lists unlimited bank and broker connections on it. Gylder has no free tier: 14 days of Pro, then from €8 a month.
Native apps on both stores
getquin ships iOS and Android apps. Gylder is a web app. It works in a phone browser and there is nothing to install, but it is not the same thing.
A community around the product
getquin has a feed, a stock forum and portfolios you can share for feedback. Gylder has no social layer and is not building one.
Time-weighted return, and watchlists
getquin computes TTWROR as well as IRR on Premium, and has watchlists with price alerts. Gylder computes money-weighted return (XIRR); time-weighted return and watchlists are not built yet.
Why Gylder
Four reasons Gylder fits a European household better.
getquin models the portfolio well. Gylder models everything the portfolio sits inside — the banks, the house, the mortgage, the savings — and keeps it fed.
- 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. getquin connects over PSD2 as well, read-only; their help centre notes they are not permitted to offer open banking in every country, and their site publishes no country list.
- 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, so the largest number on your balance sheet behaves the way your bank says it does. getquin's help centre describes a debt as an account you create and reduce with deposits, with interest recorded as an expense.
- Why Gylder
Property and precious metals revalued for you.
Gylder revalues property and metals, so your net worth moves with the market rather than with the last number you typed. getquin has a real estate category with rental income and tax expenses, and the value of the object is one you keep up to date yourself.
- Why Gylder
Everything you have entered, back out in one click.
Gylder exports your whole account, and deleting the account destroys the key your data was encrypted with; encrypted backups age out within seven days. getquin's help centre states that an export of your portfolio is not currently offered from the app or web app, while their marketing pages do advertise CSV upload.
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 getquin 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.
On the first of those, this is a tie and the table says so. getquin is a Berlin company and states that its servers are in Germany and Europe, with AES-256 in transit and at rest. Gylder keeps everything in Frankfurt and encrypts every balance with a key unique to your account before it is stored. Where the two differ is how the keys are held, which getquin's site does not describe, and what pays for the product.
| Privacy point | Gylder | getquin |
|---|---|---|
| Where your financial data is stored | Frankfurt, Germany, inside the EU | Servers in Germany and Europe, per their security page |
| The company behind it | A European company, based in the Netherlands | QUIN Technologies GmbH, Berlin, per their imprint |
| Bank connections run through | Enable Banking, based in Finland, which keeps no copy of your data | Regulated third-party providers under PSD2, read-only, with re-authentication every 90 days, per their help centre |
| Encryption | Every balance encrypted with AES-256-GCM before it is stored | AES-256 in transit and at rest, per their security page |
| How the keys are held | A key unique to your account; a copy of the database alone reveals nothing | Their site does not say |
| What pays for the product | Subscriptions. Gylder sells nothing else | Venture capital, advertising in the app and subscriptions, per their own financing article — which is what pays for the free plan |
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. The debt on your balance sheet is the debt you actually have. getquin's help centre describes a debt as an account you create and then reduce with deposits, with interest recorded as an expense; separate loan parts are not described on their site.
Start 14 days of Pro, freeGylder vs getquinGylder vs getquin, feature by feature
Point by point, starting with the points getquin wins.
Tap a topic to compare.Pick a topic to compare.
| Where getquin is stronger | Gylder | getquin |
|---|---|---|
| A plan that costs nothing | No:No free tier: 14 days of Pro, then from €8 a month | Yes:Free: €0 a year, with unlimited bank and broker connections |
| Native iOS and Android apps | No:Web app; it works in a phone browser | Yes:Yes, on both stores |
| A community feed and portfolios you can share | No:Not part of Gylder | Yes:Yes, with a stock forum |
| Watchlists and price alerts | No:Not yet | Yes:Yes |
| Time-weighted return (TTWROR) | No:Not yet: Gylder computes money-weighted return | Yes:Yes, on Premium |
| Getting your numbers in | Gylder | getquin |
|---|---|---|
| European bank accounts over open banking (PSD2) | Yes:Live: 2,700+ banks in 29 countries | Yes:Yes, read-only; their help centre notes open banking is not offered in every country |
| Broker and exchange holdings arrive without typing | Yes:DeGiro, Bitvavo, Coinbase | Yes:Yes, from a named list that includes DeGiro |
| Your full transaction history on the first import | Yes:Yes, from a DeGiro export | Partly:Their help centre notes an automatic import often brings in holdings as at the connection date |
| Prices refresh on their own | Yes:Yes | Yes:Yes, in real time |
| A European home kept at today's value | Yes:Revalued for you | Partly:A real estate category; the value is one you keep up to date |
| Any other asset, DeFi included | Yes:Yes, and integrations added on request | Yes:Yes, including art, commodities and collectibles |
| What it keeps track of | Gylder | getquin |
|---|---|---|
| Debts and mortgages on the same balance sheet | Yes:Yes | Yes:Yes, as a debt account you reduce with deposits |
| A mortgage modelled as 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, including call money and fixed-term deposits |
| Transactions sorted into spending categories | Yes:Yes | Yes:Yes, and the category is editable per transaction |
| A net worth history | Yes:Yes, daily | Yes:Yes |
| What it works out for you | Gylder | getquin |
|---|---|---|
| Annualised return on the money you put in (XIRR) | Yes:Yes | Yes:Yes (IRR), on Premium |
| A cost basis that survives a transfer between brokers | Yes:Yes, weighted-average cost in euros | Not stated:Their site does not say |
| Dividends received and yield on cost | Yes:Received and yield on cost, with the coming year projected from the last twelve months | Yes:Yes; the long-range forecast is on Premium |
| Portfolio against a market index | Yes:Yes | Yes:Yes, on Premium |
| Privacy and security | Gylder | getquin |
|---|---|---|
| Data kept in the EU | Yes:Frankfurt, Germany | Yes:Servers in Germany and Europe, per their security page |
| Encrypted before it is stored | Yes:AES-256-GCM, with a key unique to your account | Yes:AES-256 in transit and at rest, per their security page |
| How encryption keys are held is described | Yes:Yes: one key per account | Not stated:Their site does not say |
| Read-only connections | Yes:Yes | Yes:Yes |
| Subscriptions are the only thing the product sells | Yes:Yes | Partly:Subscriptions, advertising in the app and venture capital, per their financing article |
| Price, and getting your data out | Gylder | getquin |
|---|---|---|
| Price | Yes:€8 or €15 a month; Pro €150 a year | Yes:Free; Premium €89.99 a year; Wealth €149.99 a year, before country taxes |
| Billed in euros | Yes:Yes | Yes:Yes |
| Try the paid tier free | Yes:14 days of Pro | Yes:Yes, a free trial of Premium |
| Export everything you have entered | Yes:One click, CSV | No:Their help centre states a portfolio export is not currently offered |
More than a portfolio? Gylder fits better.If your balance sheet is more than a portfolio, 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 it is a portfolio — securities and cash, no mortgage worth modelling, and you would rather pay nothing — getquin's free plan is the better answer, and their apps and their community are genuinely good. This page would be worth less if it did not say so.
Start 14 days of Pro, freeQuestionsQuestions people ask before switching
Anyone whose money is mostly securities and cash and who would rather pay nothing: getquin's free plan includes bank and broker connections. Anyone who wants native iOS and Android apps, a community feed to get a portfolio reviewed, watchlists with price alerts, or a time-weighted return — Gylder has none of those. Gylder is the better fit when the mortgage, the house, the savings and the spending matter as much as the portfolio does.
Their site does not say. getquin connects over PSD2 through regulated third-party providers, and their help centre notes they are not permitted to offer open banking in every country, but they publish no country list — so we will not claim one either way. Gylder's PSD2 connections reach 2,700+ banks across 29 countries, Dutch banks included.
No, and that is deliberate. Gylder is paid for by subscriptions rather than by advertising or by selling data, so there is no free tier to fund. You get 14 days of Pro free, then Basic is €8 a month and Pro €15 a month or €150 a year. getquin's Free tier is €0 a year; their own financing article names advertising in the app as one of three revenue sources.
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 our database alone reveals nothing. Our PSD2 connection provider keeps no copy of your bank data, and every login uses two-factor authentication. getquin states that its servers are in Germany and Europe, with AES-256 in transit and at rest.
Yes. Each part is annuity, linear or interest-only, with its own rate, fixed-rate period and extra repayments, so the debt on your balance sheet behaves the way your bank says it does. getquin's help centre describes a debt as an account you create and then reduce with deposits; separate loan parts are not described on their site.
Yes, 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. getquin's help centre states that an export of your portfolio is not currently offered from the app or web app.
Add it by hand, from DeFi positions to private stakes. 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.