Gylder next to MijnVermogen
Your whole balance sheet, current every day., from your current account to your loan parts.
MijnVermogen works out the Dutch rules. Gylder keeps your balance sheet current: banks, brokers, exchanges, your home and your mortgage loan part by loan part. From €8 a month.MijnVermogen is built around the Dutch rulebook: box 3, jaarruimte, the pension gap. Gylder is built around your balance sheet. Bank accounts over PSD2 at 2,700+ banks across 29 countries, DeGiro with its full transaction history, Bitvavo and Coinbase over a read-only API key, your home and your precious metals revalued for you, and a mortgage modelled loan part by loan part. 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 things Gylder does differently.
MijnVermogen works out the Dutch rules, and takes them seriously: box 3, jaarruimte, the pension gap, and for a company director even the gebruikelijk loon test. Gylder does none of that. What Gylder does is keep your balance sheet complete and current. Here is what that buys you.
- Why Gylder
Everything is on it, your home and your metals included.
Gylder revalues property and precious metals for you, and models your mortgage as the loan parts it really has: annuity, linear or interest-only, each with its own rate and fixed-rate period. Your net worth moves with the market instead of with the last number you typed.
- Why Gylder
Every balance encrypted with a key that belongs to your account alone.
Gylder encrypts every balance with AES-256-GCM before it is stored, in Frankfurt, with a key per account: a copy of the database alone reveals nothing. Every login uses two-factor authentication.
- Why Gylder
Banks, brokers and exchanges, in one overview.
PSD2 connections to 2,700+ banks across 29 countries, DeGiro with its full transaction history behind it, and Bitvavo and Coinbase over a read-only API key. What comes in, comes in without you typing anything.
- Why Gylder
A snapshot of your net worth every day.
Gylder records your net worth daily, so the chart continues without you doing anything for it. You look back at every day, not only the days you remembered.
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.
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Gylder vs MijnVermogen on privacy
Where your balance sheet lives, and what protects 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 what protects it, matters more than any feature.
Gylder keeps it in Frankfurt and encrypts every balance before it is stored, with a key that belongs to your account alone. MijnVermogen is a Dutch product from Terios Capital B.V.; its privacy policy names SSL/TLS in transit, hashed passwords and encrypted backups, and its comparison page names Dutch servers.
| Privacy point | Gylder | MijnVermogen |
|---|---|---|
| Where your financial data is stored | Frankfurt, Germany, inside the EU | Dutch servers, per their comparison page; their privacy policy names no country or data centre |
| Encryption | Every balance encrypted with AES-256-GCM before it is stored | SSL/TLS in transit, hashed passwords and encrypted backups, per their privacy policy |
| Bank connections run through | Enable Banking, based in Finland, which keeps no copy of your data | Plaid, described on their site as the European regulated PSD2 connection |
| The company behind it | cdum B.V., the Netherlands, KvK 93033613 | Terios Capital B.V., the Netherlands, KvK 97442747 |
| Selling data on | Gylder is paid for by subscriptions, not by data | Never sells personal data to third parties for marketing, per their privacy policy |
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, schedule and extra repayments. MijnVermogen's site describes a debt with a rate and an end date, an amortisation schedule and scenarios for repaying early; separate loan parts are not on it.
Start 14 days of Pro, freeGylder vs MijnVermogenGylder vs MijnVermogen, point by point
Point by point, including where they win.
Tap a topic to compare.Pick a topic to compare.
| Getting your numbers in | Gylder | MijnVermogen |
|---|---|---|
| European bank accounts over open banking (PSD2) | Yes:Live: 2,700+ banks in 29 countries | Yes:Via Plaid, for current and savings accounts |
| Broker transactions arrive | Yes:DeGiro, with its full transaction history behind it | Yes:Imports from DEGIRO and Interactive Brokers, and by CSV |
| Crypto exchange holdings arrive | Yes:Bitvavo and Coinbase, over a read-only API key | Not stated:Their site does not say |
| Prices refresh on their own | Yes:Yes, daily | Yes:Yes: live price data, per their site |
| A home kept at today's value | Yes:Revalued for you | Not stated:Property can be added; automatic revaluation is not on their site |
| Precious metals revalued | Yes:Yes | Not stated:Their site does not say |
| What it keeps track of | Gylder | MijnVermogen |
|---|---|---|
| A mortgage modelled as separate loan parts | Yes:Annuity, linear, interest-only | Not stated:A debt with a rate, an end date and repayment scenarios; loan parts are not on their site |
| Savings accounts included | Yes:Yes, over PSD2 | Yes:Yes: current and savings accounts via Plaid |
| Transactions sorted into spending categories | Yes:Yes | Yes:Yes, categorised automatically |
| A daily net worth history | Yes:Yes, recorded every day | Not stated:Net worth is on their site; a history over time is not |
| What it works out for you | Gylder | MijnVermogen |
|---|---|---|
| Annualised return on money you put in | Yes:Yes (XIRR) | Yes:Yes (IRR) |
| Average purchase price per position | Yes:Yes, and it survives a transfer between brokers | Yes:Yes: average purchase price per position |
| Dividends received and yield on cost | Yes:Received and yield on cost, with the coming year projected from the last twelve months | Partly:A dividend tracker; a calendar of what is still to come is not on their site |
| Portfolio against a market index | Yes:Yes | Yes:Yes: AEX, MSCI World and S&P 500 |
| Privacy and security | Gylder | MijnVermogen |
|---|---|---|
| Where your data is stored | Yes:Frankfurt, Germany | Yes:Dutch servers, per their comparison page |
| Balances stored encrypted, with a key per account | Yes:Yes: AES-256-GCM, a key unique to your account | Not stated:Their privacy policy names SSL/TLS, hashed passwords and encrypted backups |
| The provider behind your bank connection | Yes:Enable Banking, based in Finland | Yes:Plaid |
| The company behind it | Yes:cdum B.V., KvK 93033613 | Yes:Terios Capital B.V., KvK 97442747 |
| Paid for by subscriptions, not by data | Yes:Yes | Yes:Yes: never sells personal data to third parties for marketing, per their privacy policy |
| What it costs | Gylder | MijnVermogen |
|---|---|---|
| Price | Yes:Flat: €8 or €15 a month; Pro €150 a year | Yes:A free tier; Premium €14.99 a month or €81 a year, per their membership page |
| Trying it | Yes:14 days of Pro, free | Yes:7 days for €1, per their membership page |
| Export everything | Yes:One click to CSV | Partly:Export to Excel and PDF; the amortisation schedule also as CSV |
| Built on the Dutch rulebook | Gylder | MijnVermogen |
|---|---|---|
| Your Dutch pension in the picture | No:No: Gylder does not work out AOW, jaarruimte or a pension gap | Yes:Yes: AOW, employer pension, lijfrente, jaarruimte and the pension gap |
| A box 3 tax view | No:No | Yes:Yes: box 3 assets, taxable base, exemption and an estimated charge |
| Budgets you set in advance | No:Not what Gylder is for: it shows where you stand and what changed | Yes:Yes: budget analysis per category, with recommendations |
| A module for a company director and their BV | No:No | Yes:Yes: gebruikelijk loon, box 2, corporation tax and the director's current account |
| A free tier | No:No: Gylder is paid for by subscriptions, with 14 days of Pro free | Yes:Yes, free forever, with limits |
Gylder is the better choice if:Gylder is the better choice if this is you.
- 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 MijnVermogen is the better choice if you want box 3, your jaarruimte or your pension gap worked out inside the same product, if you want to set budgets in advance, or if you run your own BV. Those calculations are not in Gylder, and they are not plans waiting to land.
Start 14 days of Pro, freeQuestionsQuestions people ask before switching
No. Gylder shows where you stand and what changed; it does not work out a box 3 charge, your jaarruimte or your pension gap. MijnVermogen names all three on their site, so if that is what you came for, that is the better product for you.
Yes. PSD2 connections reach 2,700+ banks across 29 countries, the Dutch ones included. You connect read-only and can withdraw the connection at any time.
What you have already built up can be added as an asset, and it counts towards your net worth. What Gylder does not do is calculate your AOW, your jaarruimte or your pension gap. MijnVermogen does, per their site.
Bank accounts over PSD2, DeGiro through an export with its full transaction history behind it, and Bitvavo and Coinbase over a read-only API key. Prices, property values and metal prices refresh daily.
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.
Gylder Basic is €8 a month and Pro €15 a month or €150 a year, with 14 days of Pro free. MijnVermogen has a free tier and prices Premium on their membership page at €14.99 a month or €81 a year. Over a year, MijnVermogen is the cheaper one.
You can, and for some people that is the sensible answer: Gylder for your balance sheet and your returns, MijnVermogen for the tax calculations. Everything in Gylder exports to CSV in one click.
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.