The Parqet alternative built around the balance sheet
A portfolio tracker stops at the portfolio.. Your balance sheet does not.
Banks over PSD2, savings, spending, your home and your mortgage in one figure. Encrypted with your own key in Frankfurt. From €8 a month.Parqet is a polished portfolio tracker with a deep dividend layer and a time-weighted return we have not built. Gylder is built around what surrounds the portfolio: live PSD2 connections to 2,700+ banks across 29 countries, savings and spending in the same figure, a mortgage modelled loan part by loan part, and your home revalued rather than typed. Every balance encrypted in Frankfurt, 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 the balance sheet is the better frame.
Parqet starts at the securities depot and has been widening outwards. Gylder starts at everything you own and owe, and the investments are one part of it. Here is where that difference actually shows up.
- Why Gylder
Bank accounts connect, not just brokers.
Gylder connects over PSD2 to 2,700+ banks across 29 countries, read-only, so current and savings balances arrive on their own. Parqet's own help centre describes automatic syncing for five brokers and file import for more than fifty; cash balances are entered as cash holdings, and their site does not describe connecting a bank account.
- Why Gylder
A mortgage modelled 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. Parqet's help centre describes a loan as a cash account with a negative balance, linked to a property, with interest and repayments entered as activities.
- Why Gylder
Your home is revalued instead of retyped.
Gylder revalues property and precious metals for you, so your net worth moves with the market between the numbers you enter. Parqet tracks houses, flats and land, and their help centre states that property prices currently have to be entered by hand, with the value interpolated in a straight line between entries.
- Why Gylder
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, so a copy of the database alone reveals nothing. Parqet takes a different route to a similar goal: their privacy page states that data is stored in Germany and that the portfolio database holds no email address, payment details or other personal data, so no person is identifiable from it. It does not state encryption at rest.
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 Parqet 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 products keep their data inside the EU, so the interesting part is the mechanism. Gylder encrypts each balance with a key tied to your account. Parqet separates the data instead: their privacy page describes a portfolio database that carries no personal details at all, with login and payment data held by other providers. Two different answers, both stated in writing, and the table below sets them side by side.
| Privacy point | Gylder | Parqet |
|---|---|---|
| Where your financial data is stored | Frankfurt, Germany, inside the EU | Germany, per their privacy page |
| The company behind it | cdum B.V., a Dutch company, KvK 93033613 | Parqet Fintech GmbH, Hamburg, HRB 164995, per their legal notice |
| How your figures get in | Enable Banking, based in Finland, which keeps no copy of your data | QPLIX, a BaFin-licensed account information service, for two brokers; three more sync locally on your own device; the rest by file |
| Encryption | Every balance encrypted with AES-256-GCM before it is stored | Their privacy page states payment data is transmitted to Stripe in encrypted form; it does not state encryption at rest |
| What a copy of the database would show | Encrypted balances only: the key is unique to your account | Their privacy page states the portfolio database holds no personal data, so no person is identifiable from it |
| Two-factor sign-in | On every login | Available on all three plans, per their pricing page |
| How the product is paid for | Subscriptions only, no advertising and no data sales | Subscriptions; their site states they never finance themselves with your personal data, and their footer states some links can earn an affiliate commission |
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. Parqet does carry debts: their help centre describes entering a loan as a cash account with a negative balance, linked to a property, with interest and repayments booked as activities and a loan-to-value share shown against the house.
Start 14 days of Pro, freeGylder vs ParqetGylder vs Parqet, point by point
Two products that overlap, and where they part.
Tap a topic to compare.Pick a topic to compare.
| Getting your numbers in | Gylder | Parqet |
|---|---|---|
| European bank accounts over open banking (PSD2) | Yes:Live: 2,700+ banks in 29 countries, read-only | No:Not described on their site: broker syncing and file import instead |
| Broker and exchange holdings without typing | Yes:DeGiro, Bitvavo and Coinbase connect directly | Yes:Automatic syncing for five brokers and file import for more than fifty, per their site |
| Prices refresh on their own | Yes:Yes | Yes:Yes |
| A European home kept at today's value | Yes:Revalued for you | Partly:Tracked; their help centre says property prices are entered by hand for now |
| Precious metals revalued | Yes:Yes | Yes:Yes: gold, silver, platinum and palladium |
| P2P loans, insurance contracts and private equity as their own asset types | Partly:Addable by hand, without their own asset type | Yes:Yes, each as its own product type, per their help centre |
| What it keeps track of | Gylder | Parqet |
|---|---|---|
| A mortgage modelled as separate loan parts | Yes:Annuity, linear, interest-only, each with its own rate and schedule | Partly:A loan is a cash account with a negative balance, linked to a property, per their help centre |
| Savings and cash counted alongside investments | Yes:Yes, balances arrive over PSD2 | Yes:Yes, entered as cash holdings |
| Transactions sorted into spending categories | Yes:Yes | No:Not part of the product: their site describes an investment portfolio |
| A daily net worth history | Yes:Yes | Yes:Yes |
| Several separate portfolios side by side | No:One balance sheet per account | Yes:One to fifteen portfolios depending on the plan, per their pricing page |
| What it works out for you | Gylder | Parqet |
|---|---|---|
| Annualised return on the money you put in | Yes:Yes (XIRR) | Yes:Yes: their internal rate of return, computed as XIRR, per their help centre |
| A time-weighted return, on top of the money-weighted one | No:Not yet: returns are money-weighted | Yes:Yes (TTWROR), per their help centre |
| Cost basis behind every position | Yes:Yes, and it survives a transfer between brokers | Yes:Yes, with a choice of FIFO or average cost, per their help centre |
| Dividend forecasting, yield on cost and dividend growth | Partly:Dividends and yield on cost, with the coming year projected from the last twelve months | Yes:A forecast up to twenty-four months ahead, yield on cost, and dividend growth over three or five years |
| Portfolio against a market index | Yes:Yes | Yes:Yes, against the FTSE All-World, S&P 500 and other indices |
| Privacy and security | Gylder | Parqet |
|---|---|---|
| Where your data is stored | Yes:Frankfurt, Germany | Yes:Germany, per their privacy page |
| A copy of the database reveals nothing | Yes:Yes: AES-256-GCM, a key unique to your account | Not stated:Their privacy page states the portfolio database holds no personal data; encryption at rest is not stated |
| Read-only connections | Yes:Yes, stated as read-only account information access | Not stated:Not stated in those words; credentials are entered at QPLIX or stay on your own device, per their privacy page |
| Two-factor sign-in | Yes:Yes | Yes:Yes, on all three plans |
| 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 | Parqet |
|---|---|---|
| Price | Yes:Basic €8 a month; Pro €15 a month or €150 a year | Yes:A free plan; Plus €11.99 a month and Investor €29.99 a month, per their pricing page |
| Free trial | Yes:14 days of Pro | Yes:14 days |
| A free plan you can stay on | No:Not yet: a 14-day Pro trial instead | Yes:Yes, with limits on portfolios and extra assets |
| 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 when the portfolio is one line of many.Gylder is the better fit when the portfolio is one line of the balance sheet.
- 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
Stay with Parqet if the depot is the product you want.
If what you want is a time-weighted return, a dividend forecast running two years ahead, several portfolios side by side, P2P and insurance contracts as first-class asset types, or a free plan you can sit on indefinitely, Parqet has those today and Gylder does not. Their brokers are German-speaking first, and if yours are on their sync list the first evening is easier there.
QuestionsQuestions people ask before switching
Gylder does: PSD2 connections reach 2,700+ banks across 29 countries, read-only, so current and savings balances arrive on their own. Parqet's own pages describe automatic syncing for five brokers, file import for more than fifty, and cash balances entered as cash holdings; a bank account connection is not described on their site.
Not today. Parqet forecasts dividends up to twenty-four months ahead, shows yield on cost and dividend growth over three or five years. Gylder shows dividends received and yield on cost, and projects the coming year from the last twelve months, which is a proxy rather than a per-holding forecast. If dividend depth is the deciding factor, theirs is the deeper product.
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.
No. Gylder computes the annualised return on the money you actually put in, using XIRR, which answers what your own deposits earned. Parqet shows a time-weighted return (TTWROR) as well, which strips out the timing of your deposits and is the figure to use when comparing against a fund. If you want both figures, Parqet has both and Gylder has one.
Because for most Dutch households it is the largest line on the balance sheet, and it is rarely one number: several loan parts, each annuity, linear or interest-only, each with its own rate and fixed-rate period. Gylder models them separately, so what you see is what you owe.
Parqet has a free plan, which Gylder does not, and their paid plans are €11.99 and €29.99 a month per their pricing page. Gylder Basic is €8 a month and Pro is €15 a month or €150 a year, with the first 14 days of Pro free. Which is cheaper depends entirely on which plan you would actually be on.
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.