The Snowball Analytics alternative built around your balance sheet
Your portfolio is in here too, and so is everything around it. — the banks, the house, the mortgage.
2,700+ banks across 29 countries, DeGiro, Bitvavo and Coinbase, plus the house and the mortgage as its real loan parts. In euros, from €8 a month.Snowball Analytics is a well-made portfolio instrument with a free plan and one-click rebalancing. Gylder answers a different question: what you are worth this morning. Live PSD2 connections to 2,700+ banks across 29 countries, DeGiro, Bitvavo and Coinbase, a mortgage as its real loan parts, and property and precious metals revalued for you — in euros, 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 Snowball Analytics is stronger
Four things Snowball Analytics does that Gylder does not.
This page is an argument for Gylder, so it should start with the places Snowball wins. All four come off their own site.
A plan that costs nothing
Snowball's Free plan is listed as “0 forever” and includes IRR, the dividend calendar and broker report imports. Gylder has no free tier: 14 days of Pro, then from €8 a month.
One-click rebalancing
Set target allocations by category and Snowball works out what to top up to get back to them; the full tool is on the paid plans. Gylder has no rebalancing tool and does not suggest what to buy or sell.
Native apps on both stores
Snowball ships iOS and Android apps and quotes 4.8 stars across thousands of ratings. Gylder is a web app. It works in a phone browser, but it is not the same thing.
Public portfolios, and a way to find holdings
Snowball has public portfolios you can follow and comment on, a dividend rating built from thirteen fundamentals, a “find the dip” screen and backtests running to 1985. Gylder has none of that, and is not a financial adviser.
Why Gylder
Four reasons Gylder fits a European household better.
Snowball is designed as a portfolio instrument and is a good one. Gylder starts a level up, at the balance sheet, and keeps it fed from the banks themselves.
- 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. Snowball's own pages describe brokerage connections through Yodlee, SnapTrade and Plaid; open banking and PSD2 are not mentioned anywhere on their site, and no Dutch bank or broker is named.
- 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. Snowball's custom holdings cover savings accounts, real estate and P2P loans you hold as an asset; a mortgage or any other debt is not described on their site.
- Why Gylder
Your full transaction history, from the first import.
A DeGiro export comes in with its whole history behind it, so cost basis and return are right from the first evening. Snowball's own help centre notes that broker connections usually return only 90 to 200 days of transactions, and lists what a short history costs you: dividend history, realised profit and loss, portfolio value history and benchmark comparison.
- Why Gylder
Priced and billed in euros.
Gylder Basic is €8 a month and Pro €15 a month or €150 a year, billed in euros, with 14 days of Pro free. Snowball's pricing page lists Starter at $55.99, Investor at $104.99 and Expert at $174.99 a year, and notes that all prices are in US dollars, alongside a free plan.
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 Snowball Analytics 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.
Gylder keeps it in Frankfurt and encrypts every balance with a key unique to your account before it is stored. Snowball is a French company and states that its data is depersonalised and encrypted at rest and that broker credentials are never stored — but their site does not say where the data itself is held. Their security and privacy documents are published as PDFs; if those answer it, this page should be corrected.
| Privacy point | Gylder | Snowball Analytics |
|---|---|---|
| Where your financial data is stored | Frankfurt, Germany, inside the EU | Their site does not say |
| The company behind it | A European company, based in the Netherlands | Snowball Analytics SAS, registered in Lyon, France |
| Connections run through | Enable Banking, based in Finland, which keeps no copy of your data | Yodlee, SnapTrade and Plaid, read-only, per their business page |
| Encryption | Every balance encrypted with AES-256-GCM before it is stored | Depersonalised and encrypted at rest, per their pricing FAQ |
| How the keys are held | A key unique to your account; a copy of the database alone reveals nothing | Their site does not say |
| Deleting your account | The key your data was encrypted with is destroyed; encrypted backups age out within seven days | Deletion from your account settings, described in their help centre |
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. Snowball's custom holdings cover savings accounts, real estate and P2P loans you hold as an asset; their site does not describe tracking a mortgage or any other debt.
Start 14 days of Pro, freeGylder vs SnowballGylder vs Snowball Analytics, feature by feature
Point by point, starting with the points Snowball wins.
Tap a topic to compare.Pick a topic to compare.
| Where Snowball is stronger | Gylder | Snowball Analytics |
|---|---|---|
| A plan that costs nothing | No:No free tier: 14 days of Pro, then from €8 a month | Yes:Free: one portfolio, ten holdings, IRR and the dividend calendar |
| Rebalancing against target allocations | No:Not part of Gylder | Yes:Yes; the full tool is on the paid plans |
| Native iOS and Android apps | No:Web app; it works in a phone browser | Yes:Yes, on both stores |
| Public portfolios you can follow and comment on | No:Not part of Gylder | Yes:Yes |
| Tools for finding and testing holdings | No:Not part of Gylder, which is not a financial adviser | Yes:A dividend rating, a “find the dip” screen and backtests to 1985 |
| Time-weighted return (TWR) | No:Not yet: Gylder computes money-weighted return | Yes:Yes, announced in their changelog as a beta |
| Getting your numbers in | Gylder | Snowball Analytics |
|---|---|---|
| European bank accounts over open banking (PSD2) | Yes:Live: 2,700+ banks in 29 countries | Not stated:Their site does not mention PSD2 or open banking |
| Broker and exchange holdings arrive without typing | Yes:DeGiro, Bitvavo, Coinbase | Yes:Yes, through Yodlee, SnapTrade and Plaid, synced nightly |
| Your full transaction history on the first import | Yes:Yes, from a DeGiro export | Partly:Their help centre notes connections usually return 90 to 200 days |
| Prices refresh on their own | Yes:Yes | Yes:Yes, about every 30 minutes |
| A European home kept at today's value | Yes:Revalued for you | Partly:Real estate as a custom holding, priced by hand |
| Precious metals revalued | Yes:Yes | Yes:Yes |
| What it keeps track of | Gylder | Snowball Analytics |
|---|---|---|
| A mortgage modelled as separate loan parts | Yes:Annuity, linear, interest-only, each with its own rate | Not stated:Their site does not describe tracking a mortgage or other debt |
| Savings and deposit accounts | Yes:Yes | Yes:Yes, with rate, payout frequency and maturity date |
| Transactions sorted into spending categories | Yes:Yes | Not stated:Their site does not say |
| A net worth history | Yes:Yes, daily | Yes:Yes, from the first transaction, across a composite portfolio |
| Holdings in other currencies | Yes:Yes, converted to euros | Yes:Yes, converted to your display currency |
| What it works out for you | Gylder | Snowball Analytics |
|---|---|---|
| Annualised return on the money you put in (XIRR) | Yes:Yes | Yes:Yes, on every plan including Free |
| 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, with a dividend rating and a growth chart |
| Portfolio against a market index | Yes:Yes | Yes:Yes, and against any asset on the higher plans |
| Privacy and security | Gylder | Snowball Analytics |
|---|---|---|
| Where the data is stored is stated | Yes:Frankfurt, Germany | Not stated:Their site does not say; the company is registered in Lyon |
| Encrypted before it is stored | Yes:AES-256-GCM, with a key unique to your account | Yes:Depersonalised and encrypted at rest, per their FAQ |
| 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; broker credentials are never stored, per their business page |
| Subscriptions are the only thing the product sells | Yes:Yes | Not stated:Their site does not state an advertising or data policy |
| Price, and getting your data out | Gylder | Snowball Analytics |
|---|---|---|
| Price | Yes:€8 or €15 a month; Pro €150 a year | Yes:Free; Starter $55.99, Investor $104.99, Expert $174.99 a year |
| Billed in euros | Yes:Yes | No:US dollars, per their pricing page |
| Try the paid tier free | Yes:14 days of Pro | Yes:14 days, no card |
| Export everything you have entered | Yes:One click, CSV | Yes:Holdings and transactions to CSV, on every plan |
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 rebalancing is the specific job you want done — targets, drift, what to top up next month — Snowball is built around exactly that and Gylder is not. Their free plan and their apps are genuinely good, and this page would be worth less if it did not say so.
Start 14 days of Pro, freeQuestionsQuestions people ask before switching
Anyone who wants rebalancing as the main event: Snowball is designed around target allocations and what to top up to get back to them, and Gylder has no equivalent. The same goes for anyone who wants to pay nothing to start, wants native iOS and Android apps, wants public portfolios to read, or wants a time-weighted return. 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. Snowball describes brokerage connections through Yodlee, SnapTrade and Plaid and does not mention PSD2 or open banking anywhere, and no Dutch bank or broker is named on their pages — so we will not claim one either way. Gylder's PSD2 connections reach 2,700+ banks across 29 countries, Dutch banks included.
No. Gylder shows you what you hold, what it cost, what it has returned and what it is worth today, and leaves the decision to you — it is not a financial adviser and does not say what to buy, sell or hold. If rebalancing against a target allocation is the job you want done, Snowball's own site describes a tool built for it.
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, billed in euros. Snowball's free plan covers one portfolio and ten holdings.
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. Snowball states its data is depersonalised and encrypted at rest; where it is stored is not stated on their site.
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. Snowball's custom holdings cover savings accounts, real estate and P2P loans you hold as an asset; a debt is not described on their site.
Euros. Gylder Basic is €8 a month and Pro €15 a month or €150 a year. Snowball's pricing page lists Starter at $55.99, Investor at $104.99 and Expert at $174.99 a year and notes that all prices are in US dollars, so what you pay moves with the exchange rate.
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.