The Sharesight alternative for a European balance sheet
Your whole balance sheet, not only the listed part. — banks, house and mortgage included.
Banks, broker, crypto, the house and the mortgage in one number, encrypted in Frankfurt. From €8 a month.Sharesight is an investment portfolio tracker, and its own help centre says it tracks assets only. Gylder is the balance sheet around the portfolio: live PSD2 connections to 2,700+ banks across 29 countries, DeGiro, Bitvavo and Coinbase, your house revalued for you and your mortgage modelled loan part by loan part, 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
The honest half first
Where Sharesight is the better tool.
Sharesight is not a weaker net worth tracker. It is a different product, and on four things it does what Gylder does not. If any of these is what you came for, go there.
Ready-made tax reports for the countries it names
Sharesight’s reporting is built around specific jurisdictions: capital gains under Australian Tax Office rules with franking credits, New Zealand’s Foreign Investment Fund and Fair Dividend Rate reports, and a capital gains report for Canada. Gylder produces no tax reports at all, in any country, the Netherlands included. If your year has to end in one of theirs, that is the product that ends it.
A plan that stays free
Sharesight’s free plan tracks up to ten holdings with no card, and their European pricing page starts paid plans at €7 a month billed annually. Gylder has no free tier, by design: 14 days of Pro free, then €8 a month for Basic or €15 for Pro.
Trades from hundreds of brokers
Sharesight says it imports trades from more than 200 global brokers, and the trade-confirmation email import is on every plan including the free one. Gylder brings holdings in from DeGiro, Bitvavo and Coinbase and balances from banks over PSD2; anything else is added by hand or requested.
Portfolio access for an accountant or adviser
Sharesight offers portfolio sharing with tiered permission levels on every plan, plus a business plan priced per portfolio for accountants, advisers and family offices. Gylder has no shared-access role yet.
Why Gylder
Four things Gylder does that a portfolio tracker does not.
Sharesight answers what your listed investments did. Gylder answers what you are worth this morning, which needs the bank accounts, the house and the debt in the same picture.
- Why Gylder
Your bank balances arrive on their own.
Gylder’s PSD2 connections reach 2,700+ banks across 29 countries, so current and savings balances update themselves. Sharesight’s help centre describes a cash account as something you log deposits, withdrawals and interest payments on, and open banking is not mentioned on their site.
- Why Gylder
What you owe counts, so the number is net worth.
Gylder puts your mortgage on the balance sheet and subtracts it, so the figure at the top is what is actually yours. Sharesight’s help centre lists debt and liabilities under what it does not track, and says it tracks assets only.
- Why Gylder
Your house is kept at today’s value.
Gylder revalues property and precious metals for you, so your net worth moves with the market rather than with your memory. Sharesight’s help centre says it does not connect to property valuations: an investment property is a custom investment whose estimated value you update yourself.
- Why Gylder
Your financial data stays in Europe.
Gylder keeps everything in Frankfurt and encrypts every balance with a key unique to your account, so a copy of the database alone reveals nothing. Sharesight’s privacy policy states that it stores personal information in the United States; their own pages also record SOC 2 Type 2 certification and 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 Sharesight 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.
Gylder keeps it in the EU and encrypts every balance before it is stored, with a key that belongs to your account alone. Sharesight’s privacy policy says personal information is stored in the United States, with standard contractual clauses covering transfers; their own security post describes encryption at rest, optional two-factor sign-in and SOC 2 Type 2 certification, which is a certification Gylder does not hold.
| Privacy point | Gylder | Sharesight |
|---|---|---|
| Where your financial data is stored | Frankfurt, Germany, inside the EU | The United States, per their privacy policy |
| Leaving the EU | Your financial data stays in the EU | Transferred out of the EU; their policy names standard contractual clauses |
| The company behind it | A European company, based in the Netherlands | Sharesight Pty Ltd and Sharesight Limited, per their privacy policy |
| Third parties named in the policy | Enable Banking, based in Finland, which keeps no copy of your bank data | Amazon Web Services for hosting, and a US AI provider for processing uploaded statements — not used for model training and deleted after seven days, per their policy |
| Encryption | Every balance encrypted with AES-256-GCM before it is stored, with a key unique to your account | All data on their database servers encrypted at rest, per their security post |
| Independent security certification | None held today | SOC 2 Type 2, per their own pages |
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 — and subtracts the lot from what you own. Sharesight’s help centre says it tracks assets only, so a mortgage is not part of the picture there.
Start 14 days of Pro, freeGylder vs SharesightGylder vs Sharesight, feature by feature
Point by point, and the first topic is theirs.
Tap a topic to compare.Pick a topic to compare.
| Where Sharesight is stronger | Gylder | Sharesight |
|---|---|---|
| Ready-made tax reports for specific countries | No:None, in any country | Yes:Australia (ATO capital gains, franking credits), New Zealand (FIF, Fair Dividend Rate) and Canada |
| A plan that stays free | No:No free tier, by design; 14 days of Pro free | Yes:Up to ten holdings, no card needed |
| Trades imported from a long list of brokers | Partly:DeGiro with its full history; Bitvavo and Coinbase by read-only key | Yes:More than 200 global brokers, plus trade-confirmation email import on every plan |
| Several separate portfolios side by side | Partly:One household balance sheet; entities can be added | Yes:One to ten portfolios depending on plan, and more on their business plan |
| Read-only access for an accountant or adviser | No:Not built yet | Yes:Portfolio sharing with tiered permission levels, on every plan |
| A mobile app | No:A web app that works in a phone browser | Yes:Free to download for anyone, per their pricing FAQ |
| Getting your numbers in | Gylder | Sharesight |
|---|---|---|
| Bank balances arrive over open banking (PSD2) | Yes:Live: 2,700+ banks in 29 countries | No:Entered by hand: their help centre describes logging deposits, withdrawals and interest |
| Cash and savings on the same page as the holdings | Yes:Live balances, updated for you | Partly:Cash accounts, kept up to date by you |
| Prices refresh on their own | Yes:Yes | Yes:Yes, with intraday exchange rates and price history going back over 20 years |
| A European home kept at today’s value | Yes:Revalued for you | No:Updated by you: their help centre says Sharesight does not connect to property valuations |
| Precious metals revalued | Yes:Yes | Yes:Yes: a live feed for gold, silver, platinum and palladium |
| Crypto holdings | Yes:Bitvavo and Coinbase by read-only key | Partly:Live data for many coins; others as a custom investment |
| What it keeps track of | Gylder | Sharesight |
|---|---|---|
| A net worth that counts what you owe | Yes:One number, updated daily | No:Assets only, per their help centre |
| A mortgage modelled as separate loan parts | Yes:Annuity, linear, interest-only | No:Liabilities are not tracked, per their help centre |
| Transactions sorted into spending categories | Yes:Yes | Not stated:Their site does not mention spending categories |
| A daily net worth history | Yes:Yes, scrollable | Partly:Portfolio performance over time; their site describes performance reports rather than a net worth history |
| Holdings in other currencies | Yes:Yes, converted to euros | Yes:Yes: a base currency per portfolio, multi-currency valuation on Standard and Premium |
| What it works out for you | Gylder | Sharesight |
|---|---|---|
| Return on the money you actually put in | Yes:Yes (XIRR) | Yes:Yes: money-weighted, a variation of the Modified Dietz method, per their own post |
| Cost basis and realised gains | Yes:Yes, and it survives a transfer between brokers | Yes:Yes: sale allocation methods, with brokerage added to the cost base |
| Dividends received and yield on cost | Yes:Received, yield on cost and a twelve-month projection | Yes:Automatic dividends on every plan, with Future Income and Calendar reports |
| Portfolio against a market index | Yes:Yes | Yes:Yes: any stock, ETF or fund in their database |
| Export everything | Yes:One click, CSV | Yes:Reports to PDF, Excel or Google Sheets |
| Privacy and security | Gylder | Sharesight |
|---|---|---|
| Your financial data is stored in the EU | Yes:Frankfurt, Germany | No:The United States, per their privacy policy |
| A copy of the database alone reveals nothing | Yes:Yes: AES-256-GCM, a key unique to your account | Not stated:Their post says data on their database servers is encrypted at rest; it does not describe a per-user key |
| Two-factor sign-in | Yes:On every login | Yes:Available, per their data-security post |
| Independent security certification | No:None held today | Yes:SOC 2 Type 2 |
| Price | Gylder | Sharesight |
|---|---|---|
| A flat price, published on the site | Yes:€8 or €15 a month; Pro €150 a year | Yes:Europe: free, then €7, €17 or €23 a month billed annually, VAT included |
| Billed in euros | Yes:Euros | Yes:Euros on their European pricing page; other regions in their own currencies |
| As many holdings as you like | Yes:No limit on either plan | Partly:Unlimited on Standard and Premium; ten on Free, thirty on Starter |
| Try the paid features before paying | Yes:14 days of Pro | Partly:No trial length on their site; the free plan and a demo portfolio preview the paid reports |
Better choice if the portfolio is only part of it.Gylder is the better choice if the portfolio is only part of 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
And Sharesight is the better choice if your holdings are almost entirely listed securities and your year ends in one of the tax reports it produces, if you want a plan that stays free, or if your accountant needs their own access. Nothing on this page is meant to talk you out of that.
Start 14 days of Pro, freeQuestionsQuestions people ask before switching
No — none, in any country, the Netherlands included. Gylder works out your net worth, your returns and your dividends and lets you export everything in one click. Sharesight’s tax reporting is built for the countries its site names: capital gains under Australian Tax Office rules with franking credits, New Zealand’s FIF and Fair Dividend Rate reports, and a capital gains report for Canada. If your year has to end in one of those, Sharesight is the tool that ends it.
Open banking and PSD2 are not mentioned on their site, and their help centre describes a cash account as something you log deposits, withdrawals and interest payments on. Gylder’s PSD2 connections reach 2,700+ banks across 29 countries, so balances update themselves.
Not in Sharesight: their help centre lists debt and liabilities under what it does not track and says it tracks assets only. Gylder models a Dutch mortgage as its real loan parts — annuity, linear or interest-only, each with its own rate and fixed-rate period — and subtracts them from your net worth.
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.
Not always, and it depends which plan. Their European pricing page lists a free plan for up to ten holdings and Starter at €7 a month billed annually, below Gylder Basic at €8. Their Standard and Premium plans, at €17 and €23 a month billed annually, are above Gylder Pro at €15 a month or €150 a year. Both are flat prices in euros for European customers.
No, by design. There are 14 days of Pro free, then €8 a month for Basic or €15 a month for Pro. There are no ads and no data sales, so the subscription is what pays for it. Sharesight’s free plan tracks up to ten holdings, which is the better answer if that is all you need.
Plenty of people would, and it is a sensible way to run it. Keep Sharesight for the tax report your country needs, and let Gylder hold the balance sheet around it: bank balances, the house, the mortgage, the crypto and the gold, in one number. Both export, so nothing is locked in either way.
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.