This is Gylder 1.0, and the reason it carries that number is bank connections.
Everything Gylder does starts with knowing what you own. Until now, you were the one telling it: importing a file, typing in a balance, updating a valuation when you remembered. It worked, but your net worth was only ever as current as the last evening you spent maintaining it. Connect a bank and that part looks after itself, which is what the rest of this release is built on.
Connecting your bank
Go to Accounts, add an account, choose Bank. Pick your country, find your bank, and approve it at your bank the way you'd approve anything else. You never type your bank login into Gylder.
After that it keeps itself up to date. Balances and transactions come in on their own, and you can pull them in yourself whenever you want.
The first connection fills in the past as well. Two years of history load in the background, so your net worth line starts with something behind it instead of a flat stretch from today.
Banks give access for a fixed period. The connection shows how long it has left, and when it's running out you renew it at your bank in a step or two.
The savings account your bank won't show you
The European rules banks work to only cover payment accounts. Savings sits outside them, so even a connection that works perfectly shows you a current account and nothing else. That's true of every provider, not just us, and it won't change until the rules do.
So we work with what we can see. Money going in and out of savings passes through your current account, and your bank writes a description on it. Gylder reads those descriptions, works out there's a savings account behind them, and lists what it found on the Savings page. You confirm the real ones and name them.
You can also just add one. If you know you have savings somewhere, add it and say which account it belongs to.
Either way it becomes part of the picture instead of a note on the side. It sits under the account that feeds it, on the accounts list, the assets ledger, the dashboard table and the account's own page. Your bank shows up once, with the total, and the split underneath.
Every account has its own page
Accounts goes three levels deep now: your banks, the accounts at each one, and what's in each account.
An account page opens with the balance, then the line that balance has drawn, then what's in the account, then the last five transactions with the full list one click away. A number on its own doesn't tell you much about how the month is going. A number with a line under it does.
You can rename anything, and the name follows it everywhere, including the assets ledger. The account and the balance in it are named separately.
Each account also shows how old its data is. For the ones you keep by hand there's a "still up to date" button, so you don't have to invent an edit to clear the reminder.
Money moving between your own accounts
Moving money from your current account to your savings used to show up as two unrelated things. Money out here, money in there.
Gylder now works out which two rows are the same movement, and the feed says so from both sides: "to Bunq" on the way out, "from ING" on the way in. When it isn't certain it asks instead of guessing, and Yes and "Not a transfer" carry equal weight. Either answer is safe, and if you say no it won't ask again.
It works on the history you already have, not just on what arrives next.
Charts you can draw
The net worth chart and the account balance charts take whatever window you want now. Drag across the chart and it zooms to what you drew. Double click to go back to where you started. If you'd rather be exact, the Custom button opens a calendar and you type the dates.
The dashboard header also gained a one-year figure, next to the day, week and month.
Labelling in bulk
Tick a few rows in your transactions and give them all the same category at once. It uses the rows you actually picked rather than a pattern it guessed at, so a shop that happens to share a description with your bank won't drag anything unrelated along with it.
You can also start categorising from the transaction screen, instead of a settings page you have to remember exists.
Dutch, everywhere
The whole app is in Dutch. The landing page and the main screens already were; this is the rest of it, down to the dialogs and the empty states.
Emails follow the same setting. The toggle is in Settings, written out rather than shown as a flag.
Exchange keys that can't trade
When you connect Coinbase or Kraken, Gylder checks what your key is allowed to do before it stores it. A Coinbase key that can trade or move money is turned away, and so is a Kraken key that can withdraw.
Where an exchange won't tell us, we say so rather than imply we checked. Kraken won't reveal whether a key can trade, and Bitvavo won't confirm either permission, so the connect screen says that outright. We don't treat "unknown" as "safe".
Connecting is quicker too. Checking the key and storing it takes about a second, and that's when you get your answer. The first sync carries on in the background instead of holding you on a spinner.
Around the app
- A calculator that answers first. The FIRE calculator works out what you need to stop working before the state pension starts, splitting the years you bridge yourself from the years after. You get the whole answer without an account.
Fixes
Plus a long list of smaller fixes: history charts draw the days you're actually looking at, holdings show their name instead of an ISIN, a position you've since sold counts for the years you held it, and the dashboard no longer makes its fast half wait for its slow half.
If something doesn't behave the way you expect, tell us. We read everything.