The alternative to your spreadsheet
The same columns, without the Sunday afternoon. you put into them every month.
The same overview, filling itself in: banks over PSD2, DeGiro, Bitvavo and Coinbase, prices that refresh on their own. From €8 a month.In a spreadsheet everything is possible and nothing is done for you. Gylder keeps the same overview and fills it in: bank accounts over PSD2, DeGiro with its full transaction history, Bitvavo and Coinbase over a read-only API key, prices that refresh on their own, 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 a spreadsheet leaves to you.
A spreadsheet does everything you build into it, and that is a lot. The upkeep stays yours: the prices, the exports, the amortisation schedule, the monthly snapshot. Those four are exactly what Gylder takes over.
- Why Gylder
Prices refresh on their own.
Your positions are revalued every day, and so are property and precious metals. No column of prices you maintain, and no value frozen on the day you last had time for it.
- Why Gylder
Your accounts arrive without typing.
Bank accounts over PSD2 at 2,700+ banks across 29 countries, DeGiro with its full transaction history behind it, and Bitvavo and Coinbase over a read-only API key. Downloading, pasting and reconciling columns stops.
- Why Gylder
Your mortgage as the loan parts it really has.
Annuity, linear or interest-only, each with its own rate, fixed-rate period and extra repayments. The amortisation schedule you built once and no longer fully trust does not have to exist.
- Why Gylder
A history you do not have to remember to save.
Gylder records a snapshot of your net worth every day. No monthly copy, paste-values and add-the-date, and no gap in the chart for the month it slipped your mind.
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 a spreadsheet on privacy
Where your figures live, and what protects them.
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.
A file on your own disk is a strong answer to that, and we are not going to pretend otherwise. Gylder's answer has a different shape: everything lives in Frankfurt, every balance is encrypted with a key that belongs to your account alone, backups are made for you, and every login uses two-factor authentication.
| Privacy point | Gylder | A spreadsheet |
|---|---|---|
| Where your figures live | Frankfurt, Germany, inside the EU | Wherever you keep the file: your own disk, or whichever cloud you sync it to |
| What protects them | Every balance encrypted with AES-256-GCM before it is stored, with a key unique to your account | The file's password, if you set one, and whatever protects the device it sits on |
| Backups | Made for you; encrypted backups age out within seven days | The copies you make yourself |
| If the laptop goes | Sign in somewhere else and everything is there | Whatever your last copy holds |
| Deleting everything | Delete your account and the key your data was encrypted with is destroyed with it | Delete the file, and every copy you made of it |
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. A spreadsheet can do that too: it is an amortisation schedule per loan part that you build yourself, and update yourself the moment anything changes.
Start 14 days of Pro, freeGylder vs a spreadsheetGylder vs a spreadsheet, point by point
Point by point, for a Dutch household.
Tap a topic to compare.Pick a topic to compare.
| Getting your numbers in | Gylder | A spreadsheet |
|---|---|---|
| European bank accounts over open banking (PSD2) | Yes:Live: 2,700+ banks in 29 countries | No:Not something a grid can do |
| Broker and exchange holdings arrive without typing | Yes:DeGiro, Bitvavo, Coinbase | Partly:Only if you build it: download the export, paste it, reconcile the columns |
| Prices refresh on their own | Yes:Yes, daily | Partly:Only if you build it: a price function, for the tickers it knows |
| A home kept at today's value | Yes:Revalued for you | No:The number you last typed in |
| Precious metals revalued | Yes:Yes | Partly:Only if you build it: a price lookup per metal |
| Any other asset, DeFi included | Yes:Yes, and integrations added on request | Yes:Yes: a row is a row |
| What it keeps track of | Gylder | A spreadsheet |
|---|---|---|
| A mortgage modelled as separate loan parts | Yes:Annuity, linear, interest-only | Partly:Only if you build it: an amortisation schedule per loan part |
| A daily net worth history | Yes:Yes, recorded every day | Partly:Only if you remember: one more line every month |
| Transactions sorted into spending categories | Yes:Yes | Partly:Only if you build it: a category column and a pivot table |
| Holdings in other currencies | Yes:Yes, converted to euros | Partly:Only if you build it: a rate lookup per holding |
| What it works out for you | Gylder | A spreadsheet |
|---|---|---|
| Annualised return on money you put in (XIRR) | Yes:Yes | Yes:Yes: XIRR is a built-in function, you supply the dated cash flows |
| Cost basis that survives a transfer between brokers | Yes:Yes | Partly:Only if you build it, including what happens when a position moves |
| Dividends received and yield on cost | Yes:Received and yield on cost, with the coming year projected from the last twelve months | Partly:Only if you build it: a line per payment, kept up to date |
| Portfolio against a market index | Yes:Yes | Partly:Only if you build it: an index series next to your own |
| Privacy and security | Gylder | A spreadsheet |
|---|---|---|
| Where your figures live | Yes:Frankfurt, Germany | Partly:Wherever you keep the file |
| A stray copy reveals nothing | Yes:Yes: AES-256-GCM, a key unique to your account | Partly:Only if you put a password on it |
| Two-factor at sign-in | Yes:Yes, on every login | Partly:Whatever protects the device or the account the file sits in |
| A backup that survives a lost laptop | Yes:Made for you, encrypted | Partly:Only if you make it yourself |
| Deleting everything in one step | Yes:Yes, and the encryption key is destroyed with it | Yes:Yes: delete the file, and every copy of it |
| What it costs | Gylder | A spreadsheet |
|---|---|---|
| Price | Yes:Flat: €8 or €15 a month; Pro €150 a year | Yes:Free, or included with software you already have |
| Stays current without you opening it | Yes:Yes | No:You update it when you update it |
| Free trial | Yes:14 days of Pro | Yes:Yes: open a new file |
| Export everything | Yes:One click to CSV | Yes:Yes: it is already a file |
| What a spreadsheet does better | Gylder | A spreadsheet |
|---|---|---|
| Any calculation you can write yourself | Partly:Partly: the figures Gylder works out, plus a CSV export to do the rest yourself | Yes:Yes, anything you can think of |
| Works with no account and no internet connection | No:No: Gylder is a hosted web app, with an account and a connection | Yes:Yes, on a plane included |
| Laid out exactly the way you want it | Partly:Partly: you choose what is on your dashboard, within a fixed design | Yes:Yes, down to the column width |
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 keep your spreadsheet if the calculation you want is one nobody would ever ship as a product, if your file has to stay on your own disk, or if building it is the part you enjoy. Those are not things Gylder is going to catch up on.
Start 14 days of Pro, freeQuestionsQuestions people ask before switching
Usually not for what it can do, but for what it asks of you. Typing in prices, reconciling a broker export every quarter, adding a line to your history every month. Gylder keeps the same overview and fills it in: banks over PSD2, DeGiro with its full history, Bitvavo and Coinbase over a read-only API key, and prices that refresh daily.
Not as a file. You connect your banks, import your DeGiro export, and add the rest — property, precious metals, loans — by hand once. After that the updating is the connections' job rather than yours.
Yes. Everything in Gylder exports to CSV in one click, so you can keep feeding your own tab, just with figures you no longer have to look up yourself.
Then you do it in your spreadsheet, with the CSV export as the source. Gylder works out a fixed set — returns, cost basis, dividends, net worth over time — not every calculation you could write yourself. That is the point where a grid simply wins.
No. Gylder is a hosted web app: you need an account and an internet connection. A file on your own disk needs neither, and that will not change.
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. A spreadsheet costs nothing, or comes with software you already have. What the difference buys you is the upkeep.
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.