The two types are growing towards each other, because portfolio apps add net worth overviews and net worth apps add investment analysis. This article explains what each type measures and which questions it answers. It also compares six well-known tools, each checked on its own website on 14 October 2026, and shows where Gylder fits in.
What does a portfolio tracker do?
A portfolio tracker shows what your investments are worth, what they have earned and how they are spread, combining positions from one or more brokers in a single view. Because it records every buy, sale and dividend, it can show your cost basis, your realised and unrealised gains, your dividend income and your split over shares, ETFs, regions and sectors. What it usually leaves out is everything that is not a security, so your current account, savings, home and mortgage are either missing or entered by hand as a figure the app does little with.
Its real strength is measuring performance. Most investors add money at different moments, so "profit divided by deposits" gives a misleading figure. Dedicated portfolio trackers therefore calculate a time-weighted return (TWR), which strips out the effect of deposits, or a money-weighted return (MWR), which reflects your own timing. We explain the difference in calculating investment returns. Portfolio Performance, for example, reports the true time-weighted rate of return (TTWROR) and the internal rate of return (IRR), while getquin lists TTWROR and benchmarking in its Premium plan.
What does a net worth tracker do?
A net worth tracker calculates one number, which is the value of everything you own minus everything you owe. That covers accounts at several banks, investments, crypto, property and a stake in a business, and on the other side a mortgage, student debt or other loans. Some people add their pension as well, although pension entitlements are hard to value and cannot be sold, so many trackers leave them out. Bank accounts are usually connected through PSD2, the EU rules that let a licensed provider read your balances with your consent, and coverage of Dutch banks differs a lot between apps.
A simple example shows why the wider view matters. Suppose you have €60,000 in ETFs at DEGIRO, €25,000 in savings at ING and a home worth €420,000 with a €310,000 mortgage. A portfolio tracker shows €60,000 and its return, while a net worth tracker shows €195,000, of which your portfolio is about 31%. A 10% market fall costs you €6,000, which is roughly 3% of your net worth, and only the second view tells you that.
Which questions does each one answer?
A portfolio tracker answers questions about your investments, such as whether you beat the index this year, how much dividend to expect and whether you hold too much US tech. A net worth tracker answers questions about your whole position, such as whether you are richer than a year ago and how much of your wealth is tied up in your home.
Both show the value of your investments and their asset allocation, so the difference lies in depth. A portfolio tracker goes deep on securities, with tax lots, dividend calendars and benchmarks. A net worth tracker goes broad, putting property, debt and cash next to your investments, and usually tracks those investments in less detail.
That makes the choice fairly practical. An active investor with several brokers and little else to track is well served by a portfolio tracker. Someone with a home, a mortgage and savings at more than one bank gets more from a net worth tracker.
How do getquin, Delta, Portfolio Performance, Sharesight, Kubera and Finary compare?
These six tools come up often when people compare trackers in Europe, and they fall clearly into the two types. The table lists only what each provider states on its own website, checked on 14 October 2026, and says "not stated" where we could not confirm a detail.
| Tool | Type | Connections relevant in Europe | Property and mortgage | Price (official site) |
|---|---|---|---|---|
| getquin | Portfolio tracker with net worth overview and community | Banks and brokers via API; DEGIRO via Open Banking | Real estate as manual entry; mortgage not stated | Free; Premium €89.99/year; Wealth €149.99/year (excl. taxes) |
| Delta by eToro | Portfolio tracker | DEGIRO via login; Bitvavo, Coinbase, Kraken | Not stated | Free; PRO $53.88/year; PRO+ $107.88/year |
| Portfolio Performance | Portfolio tracker (open source, desktop) | PDF import from 90+ banks and brokers | Not stated | Not stated (open source, EPL licence) |
| Sharesight | Portfolio tracker | DEGIRO via CSV and trade-confirmation emails | Not stated | Free (10 holdings); paid from €7/month billed annually |
| Kubera | Net worth tracker | Several aggregators; EU/UK banks mainly show current accounts | Property valued by address; debts shown under the asset | From $250/year; 14-day trial |
| Finary | Net worth tracker | DEGIRO via Powens; Coinbase, Kraken, Binance (Bitvavo not listed) | Property and loans, loans linked to a property | Free (2 accounts); paid from €54.99/year |
| Gylder | Net worth tracker with investment analysis | Banks via PSD2; DEGIRO via account export; Bitvavo and Coinbase via API key | Home value via Dutch house-price index; mortgage with multiple loan parts | €8/month (Basic) or €15/month (Pro) |
Among the portfolio trackers, getquin stands out for its free plan with unlimited bank and broker connections and for its community feed and stock forum. Delta, which carries the eToro name, connects DEGIRO as well as crypto exchanges such as Bitvavo, Coinbase and Kraken. Portfolio Performance suits investors who want precise return calculations in an open-source desktop program, and Sharesight is strongest on dividends and tax reports, with automatic dividend tracking in every plan.
Kubera and Finary are the established net worth trackers. Kubera covers almost any asset, from property to crypto wallets and DeFi, but its own help centre notes that European bank connections often show only current accounts. Finary links loans to properties to calculate net ownership and connects DEGIRO automatically, although its help pages do not confirm which Dutch banks work. For a wider view of the options, see our guide to the best net worth tracker for Europe.
Can you combine a portfolio tracker and a net worth tracker?
You can, and it works well when each app does what it is good at. The portfolio tracker handles detailed performance and dividend analysis, while the net worth tracker shows the total, with your portfolio as one account inside it. The price is double administration, because two apps need updating and their totals drift apart when one misses a transaction.
For most people one app is enough, as long as it covers the side that matters most to them in sufficient depth. An investor with one ETF portfolio and a home rarely needs tax lots, while someone trading across five brokers may find the investment section of a net worth tracker too thin.
How Gylder fits in
Gylder (gylder.nl) is a net worth tracker with investment analysis built in, not a budgeting app. It connects bank accounts through PSD2, imports DEGIRO through an account export rather than an API, and reads Bitvavo and Coinbase through read-only API keys, including your cost basis. Your home and mortgage sit in the same overview, because Gylder estimates the home's value with the official Dutch house-price index for your region and models a mortgage with multiple loan parts. How the connections work is explained in ING, DEGIRO and Coinbase in one overview.
For investments, Gylder shows cost basis, unrealised gain per holding, a benchmark against a world index or the S&P 500 and dividend income, with money-weighted returns so deposits do not distort the result. Its features page does not list tax reports or community features, and Kraken is not yet live. Basic costs €8 a month and Pro €15 a month, or €12.50 a month billed annually, with a 14-day trial.
What this doesn't tell you
The comparison reflects what each provider published on 14 October 2026, and prices, connections and features change often, so check the provider's own site before you sign up. The value of a home or pension in any app remains an estimate. This article is general information, not financial advice.
Frequently asked questions
What is the difference between a portfolio tracker and a net worth tracker? A portfolio tracker measures the value, return, dividends and allocation of your investments. A net worth tracker adds up all your assets, including bank accounts, savings, property and crypto, and subtracts debts such as a mortgage to give one total.
Is getquin a net worth tracker? getquin is primarily a portfolio tracker, although its free plan includes a net worth overview and unlimited bank and broker connections, according to its pricing page on 14 October 2026. You can add real estate manually, but its website does not mention mortgage tracking.
Can Delta track property or bank accounts? Delta by eToro describes itself as a tracker for stocks, crypto, ETFs, funds, commodities and forex. Its website, checked on 14 October 2026, does not mention real estate, cash or bank accounts.
Which tracker works with DEGIRO in the Netherlands? getquin, Delta and Finary connect DEGIRO automatically, Sharesight imports it through CSV files and trade-confirmation emails, and Gylder uses DEGIRO's account export. Each method was confirmed on the provider's own site on 14 October 2026.
Do I need both a portfolio tracker and a net worth tracker? Most people need one: a portfolio tracker if nearly all their wealth is invested, a net worth tracker if they also have a home, a mortgage or savings at several banks.