What is Gylder? Features, pricing and what it doesn't do

Note that this article was written on 2 October 2026. The information might be old. Contact Gylder or look at the main page for more information.

Gylder (gylder.nl) is a European net worth tracker from the Netherlands, run by cdum B.V. It brings bank accounts, investments, crypto, property and loans together in one view of what you own minus what you owe, valued in euros. In October 2026 it costs €8 a month on Basic or €15 a month on Pro, each with a 14-day trial.

Before signing up, most people want to know which banks and brokers connect and whether Gylder can replace a budgeting app. This explainer covers what Gylder connects, shows and costs, and what it does not do, based only on what gylder.nl itself states.

What does Gylder connect to?

Gylder connects bank accounts through open banking (PSD2), two crypto exchanges through read-only API keys and DEGIRO through your own account export, while you add everything else by hand. Our overview of connecting ING, DEGIRO and Coinbase walks through three common examples step by step.

Banks

Bank connections run through Enable Banking, a Finnish open-banking provider that Gylder's privacy policy lists as its processor for PSD2 bank linking. The homepage mentions more than 100 banks in the Netherlands, Belgium, Germany and other countries, from ING, ABN AMRO, Rabobank, bunq and SNS to KBC, N26, Revolut and Sparkasse. Your consent covers balances and transactions only, so the connection cannot start a payment.

Brokers and crypto

DEGIRO is imported from the account export you download yourself, including its full transaction history, rather than through a live API link. Bitvavo and Coinbase connect with read-only API keys, which bring in holdings, trade history and cost basis, valued in euros at market prices. A Kraken connection is built but not live yet. Coins on other exchanges or in your own wallet can be added manually, and Gylder then prices them automatically.

Manual assets, property and mortgages

Anything without a connection, such as property, physical gold and silver, loans and business stakes, can be entered manually, and Gylder keeps valuing it. For your home you record your own valuations, and between them Gylder estimates the value using an official Dutch house-price index for your region. A mortgage is modelled as its actual loan parts, each with its own repayment type (annuity, linear or interest-only), rate and fixed-rate period. From that you get your net equity, loan-to-value and a repayment schedule.

What does Gylder show you?

The core of Gylder is a single net worth figure with its change since yesterday, last week and last month. A daily snapshot builds the history behind it, so you can look back from one week to all-time. From that figure you drill down into accounts and holdings, and the dashboard flags connections that need a refresh.

Spending is categorised automatically by a model running on Gylder's own infrastructure, while transfers between your own accounts and investment buys and sells are kept out of the spending totals. Each category gets a trend over several weeks, and a corrected label carries over to similar transactions from the same merchant. This shows where your money went, which differs from deciding in advance where it may go.

For investments, Gylder shows the cost basis and unrealised profit or loss of each holding, in euros and as a percentage. Returns are money-weighted, so deposits do not distort the figure. You can compare performance with a world index or the S&P 500, split into price, dividend and currency effects, and see dividend income, yield on cost, your allocation and when one holding dominates.

A few tools save you from checking every day. A goal sets a target net worth and date, and Gylder projects when you would reach it at your current pace. Alerts warn you when net worth drops more than 5%, a holding moves sharply in a day or a connection needs attention, and a recap email arrives on the first of each month. Tags and saved views let you group accounts and transactions your own way.

What Gylder doesn't do

Gylder is a net worth tracker, not a budgeting app, so several things people expect from a personal finance app are left out or not yet available. In October 2026, gylder.nl shows these limits.

• There are no budgets, spending limits, envelopes or month-ahead plans; Gylder reports your spending after the fact.
• Gylder cannot make payments or move money, because connections are read-only and it never trades, transfers or touches your funds.
• Gylder gives no financial advice and does not tell you what to buy, sell or hold.
• The gylder.nl site lists no feature for calculating or filing your tax return, although the mortgage view shows which interest is tax-deductible.
• The gylder.nl site lists no iOS or Android app, because Gylder is a web app at app.gylder.nl that you open in your browser.
• Everything is valued in euros at European Central Bank rates, and viewing your wealth in another currency is still on the way.
• Gylder is not free, Kraken is not live yet and brokers other than DEGIRO have no connection, so you enter those manually.

How much does Gylder cost?

Gylder has two plans on sale, Basic at €8 a month and Pro at €15 a month or €12.50 a month billed annually (€150 a year). A Business plan is announced but not yet available. The table shows the prices on gylder.nl/pricing in October 2026, with EU VAT added at checkout.

Business adds business entities and a combined personal and business view on top of Pro. Both trials require a payment method up front, and cancelling before day 14 costs nothing. If a trial ends without a subscription, the account turns read-only and your data is kept until you subscribe. You can cancel at any time and keep access until the billing period ends, although annual plans get no partial refund.

Is Gylder safe?

Gylder encrypts financial data with AES-256-GCM using a key unique to each user, stores it in data centres in Frankfurt and requires two-factor authentication at every login. Connections are read-only, Gylder says it never sells data, and deleting your account destroys your key. Our article on who can see your data in Gylder explains who can use that key and when, and what PSD2 is covers what a bank connection can and cannot do.

Who Gylder is for

Gylder is built for people in the Netherlands and elsewhere in Europe whose money sits across several banks, a broker, a crypto exchange and often a spreadsheet. It fits best when there is more to track than a portfolio, because the mortgage and property modelling set it apart from a pure investment tracker. By its own account it is not the best choice if you hold one account or only a portfolio. Our comparison of the best net worth tracker for Europe in 2026 sets it against the alternatives.

What this doesn't tell you

This article describes Gylder as gylder.nl presents it in October 2026, and the product changes with each release, so prices and features may have moved on. Bank coverage depends on Enable Banking and on your own bank, so use the trial to check that yours connects. Your net worth figure is only as complete as what you connect and enter, and a goal projection simply extends your past pace. This article is general information, not financial advice.

Frequently asked questions

Is Gylder free? Gylder costs €8 a month for Basic or €15 a month for Pro, and both start with a 14-day free trial that requires a payment method. If you cancel before day 14, you are not charged.

Does Gylder have a mobile app? The gylder.nl site does not list an iOS or Android app. Gylder is a web app at app.gylder.nl, which you open in your browser.

What is Gylder's official website? Gylder's official website is gylder.nl, and the app itself runs at app.gylder.nl. The company behind it is cdum B.V. in the Netherlands, registered with the Dutch Chamber of Commerce (KvK) under number 93033613.

Does Gylder work outside the Netherlands? Gylder also connects banks in Belgium, Germany and other European countries, such as KBC, Belfius and Deutsche Bank, and values everything in euros. The automatic home-value estimate does use a Dutch house-price index.

Can Gylder replace a budgeting app? Only partly, because Gylder categorises spending and shows trends per category but has no budgets, limits or envelopes. If you plan each month's spending in advance, you need a separate budgeting app as well.