This is part 6 of our series on how Gylder works. In the previous post, we covered the portfolio breakdown. Now let's look at the chart that ties everything together: your net worth history.
More than just today's number
Knowing your current net worth is useful. But knowing how it's changed over time is far more powerful. A flat line tells a different story than a steady climb. A sudden drop demands investigation. A gradual rise confirms your strategy is working.
Gylder builds a historical chart of your net worth — and it doesn't start from the day you signed up.
Daily snapshots
Every day, Gylder takes a snapshot of each connected account's balance. These per-account snapshots are stored individually, so your historical data is granular and accurate.
When you view your net worth chart, Gylder sums the snapshots for all your currently active accounts on each date. This means:
- Adding an account extends your history back to when that account was connected
- Disconnecting an account removes it from every historical date — your chart always reflects the accounts you have now
- Today's value is always calculated live from your current balances, ensuring the chart endpoint matches your dashboard
Historical reconstruction
For crypto exchanges, Gylder goes further. When you connect an exchange, we import your full trade history — every buy, sell, deposit, and withdrawal. Using this data, we can reconstruct what your holdings were on any given day in the past.
Combined with historical price data from the exchanges, this means your crypto portfolio value is accurately reflected going back to your very first trade. You don't lose months or years of history just because you signed up today.
For bank accounts, historical data starts from when you connect — we receive your current balance and transactions going back a limited period (typically 90 days, depending on your bank).
Time ranges
The chart supports multiple time ranges:
- 1W — The last seven days, showing daily granularity
- 1M — The last month
- 3M — The last quarter
- 1Y — The last year
- All — Everything since your earliest data point
Each view shows the absolute change and percentage change for the selected period, making it easy to see how your wealth has grown (or shrunk) over any timeframe.
Manual entries in the chart
Manual entries — like property, vehicles, and debts — are included in the chart at their current value for every historical date. Since these don't have daily price fluctuations, they appear as a steady baseline that your other, more volatile assets move around.
This is a deliberate design choice: your house didn't change value every day, so the chart shouldn't pretend it did. If you update a manual entry's value, the new value applies going forward.
Why this matters
Most net worth trackers start from zero on the day you sign up. That means you lose all historical context. You can't compare this quarter to last quarter. You can't see the impact of a decision you made six months ago.
Gylder's approach gives you a meaningful chart from day one — because your financial history didn't start when you created an account.
