Find your way to Financial Independence

Capitally is built for long-term DIY investors who manage their own money seriously across multiple brokers, currencies, and asset classes — and want to see the math behind every number rather than a curated dashboard.

Four groups get the most out of it:

• Advanced DIY investors who care about TWR vs MWR, FX attribution, FIFO / specific-lot cost basis, and options Greeks — and prefer pasting a CSV over handing brokerage credentials to an aggregator. CSV exports also carry the full account history (corporate actions, DRIP, FX moves) that aggregators typically discard, which is exactly the detail these metrics depend on.
• HNW investors managing wealth across multiple accounts and entities, with public equities, real estate, private equity (DPI / TVPI), and alternatives in the same view.
• Expats and multi-currency investors holding accounts in two or more countries, who need a single base-currency view without losing the local-currency truth.
• FIRE and dividend-focused investors tracking forecasted income, yield-on-cost, DRIP, and progress against a financial-independence target.

It's the right fit if you've outgrown a spreadsheet but don't want to lose the control a spreadsheet gave you. It's not the right fit if you want one-click bank-aggregator sync and aren't planning to import any data. For a peer-level comparison against other trackers, see the best portfolio tracker for the modern DIY investor.

Three things set Capitally apart: it doesn't connect to your bank, it gives you the analytics most trackers reserve for advisors, and it tracks anything you can put a price on — not just public-market positions.

• Privacy-first, no broker linking. Capitally never connects to your broker or bank through Plaid, Yodlee, or any similar aggregator. Your portfolio data is end-to-end encrypted on your device with AES-GCM — Capitally itself can't read it. CSV import, paste, and manual entry are the supported flows; broker credentials stay with the broker. The CSV path is also more accurate: broker exports go back to account opening and keep the corporate actions, DRIP runs and FX conversions aggregators usually drop. See data safety for the encryption model.
• Professional-grade analytics by default. Choose between TWR and money-weighted return (IRR), FX attribution that separates capital gain from currency gain, FIFO / LIFO / Average Cost / specific-lot accounting, options Greeks, dividend and withholding-tax tracking, country-specific capital-gains reports — and discount any return by inflation, a market index, or a risk-free rate to see real or excess returns as a single number.
• Track anything, not just listed securities. Stocks, ETFs, options, crypto, real estate, private equity (with DPI / TVPI / RVPI), collectibles, fixed income, custom assets — all in the same project, with the same metrics. You choose the level of detail per asset, from full transaction history to monthly balance updates.

The tradeoff: there's no auto-sync from your broker, and you'll usually do a CSV import on day one. That's the right fit for advanced DIY and HNW investors who want privacy and the historical depth aggregator-pulled data can't deliver — not the right fit for someone who wants a one-click aggregator and is comfortable handing over brokerage credentials. For a deeper comparison against the field, see the best portfolio tracker for the modern DIY investor.

Your financial data is end-to-end encrypted on your device with AES-GCM, using a key derived from your password — Capitally itself cannot decrypt it. We never connect to your broker or bank either: no Plaid, no Yodlee, no open-banking aggregator, no shared credentials. If our database were ever breached, the extracted data would be unreadable.

The CSV-only import path is also more accurate than aggregator sync. Broker exports usually go back to the day the account was opened and carry the corporate actions, dividend reinvestments and FX conversions that aggregators tend to drop — so cost basis stays auditable and returns reflect the real holding period.

We don't sell financial data, behavioural patterns, or any other personal information. Product analytics are limited to feature adoption and performance, are opt-out, and never include the size or value of your investments.

All servers and databases live in EU data centres, with TLS in transit, encryption at rest, and standard security practices on top of the per-user encryption. Export and permanent deletion are one-click operations inside the app — no email required.

For the full encryption model — including PBKDF2 key derivation, RSA-OAEP key wrapping, and how multi-device sync stays zero-knowledge — see the data safety guide.

Yes. Capitally is built and operated under GDPR. Servers and databases sit in EU data centres, and the underlying portfolio data is end-to-end encrypted on your device with AES-GCM — Capitally itself can't read it, so the GDPR data-minimisation and purpose-limitation principles are enforced at the cryptographic layer rather than just at the policy layer.

Export and permanent deletion are one-click operations inside the app, with no email or support ticket required. Export covers all your portfolio data - decrypted on your device, then saved as CSV, Excel, or JSON. Deletion permanently removes the encrypted store along with the surrounding metadata.

We don't transfer personal data outside the EU, don't sell or rent it, and don't run third-party advertising trackers on the app. See data safety for the encryption model, or the Privacy Policy for the full legal text.

No. Capitally never connects to your bank or broker through Plaid, Yodlee, or any other open-banking aggregator — brokerage and banking credentials stay with you. There's no shared password, no read-only API token, no third party in the data path. See data safety for the full encryption and hosting model.

Imports go through CSV, Excel, paste from a spreadsheet, or manual entry. Most major brokers — Interactive Brokers, Degiro, TastyTrade, Schwab, Coinbase, Kraken, XTB, and many others — have native CSV presets, so the first import is usually a single-file upload. For brokers without a preset, the flexible importer maps columns to Capitally's transaction model on the fly.

There's also a precision advantage. Aggregators typically expose only current balances, or transactions from the past ~3 months — they rarely surface the full account history. Broker CSV exports usually go back to the day the account was opened and include the events that move cost basis: corporate actions, dividend reinvestments (DRIP), deposits and withdrawals, FX conversions. With that detail intact, returns calculate correctly over the actual holding period, cost basis is auditable lot by lot, and the data is ready for tax filing — not just a dashboard. Manual entry preserves the same fidelity for assets that have no broker feed at all.

The tradeoff: there's no auto-sync, so importing a new month of activity is a deliberate action you take, not something that happens silently in the background. That's the right fit for advanced DIY and HNW investors who want privacy and the data depth a third-party feed can't deliver — not the right fit for someone who explicitly wants a one-click aggregator dashboard.

Public-market positions, private investments, real estate, collectibles, fixed income, cash, and liabilities — all in the same project. Currently supported, with native pricing and dividend data:

• Stocks, ETFs, mutual funds, indexes, currencies, cryptocurrencies, commodities — see the supported markets and assets.
• Stock options on listed underlyings, with Greeks and theoretical-price modelling.
• Cash accounts in any national currency.
• Private equity (LP fund stakes with capital calls, distributions, DPI / TVPI) and managed accounts (value-based pricing).
• Real estate, startup equity, art, watches, antiques, cards, and other collectibles — priced manually or by paste / import.
• Bonds, deposits, and other fixed-income instruments — priced manually today; automated pricing is on the roadmap.
• Liabilities (mortgages, margin loans, lines of credit) for a true net-worth view.

For every asset class you choose the tracking depth: full transaction history for tax-grade reporting, or periodic balance updates when per-trade detail isn't worth the effort. See the all-investments-in-one-place overview for how it ties together.

Capitally works in any country and supports every national currency for cash, transactions, and reporting. Native pricing covers stocks and ETFs from 50+ exchanges across North America, Europe, APAC, South America, and the Middle East, plus mutual funds (US, Canada, Western Europe), 100+ FX pairs, precious metals, crypto, indexes, and commodities. See the full list of supported markets and assets.

Each transaction is recorded in the currency you paid in, then reconciled into your base currency. FX attribution separates capital gain from currency gain, so you can see how much of a return came from price moves versus exchange-rate moves — useful for expat and multi-broker portfolios.

For a local mutual fund, private fund, or any other asset Capitally doesn't price automatically, add it as a custom asset and feed in prices manually, by paste, or via CSV.

Capitally features a robust importing interface that allows you to easily upload CSV or XLS files from any broker or app that provides transaction history or account balances. You can even copy and paste data from your own spreadsheet if you have one.

We currently support a growing list of brokers natively, including Interactive Brokers, Degiro, TastyTrade, Schwab, Coinbase, Kraken, and XTB, among others.

For individual transactions, you can simply add them manually. If you're only tracking account balances, you can update them directly in the table, along with the current market price.

While many trackers use services like Plaid or Yodlee to link to your broker automatically, these often require you to share your broker login and rarely deliver complete data. They typically only provide current balances or, at best, the last ~3 months of transactions — and almost never surface the events that move cost basis: corporate actions, dividend reinvestments (DRIP), FX conversions, deposits and withdrawals. If your broker isn't supported, which can often be the case depending on your location, you're left with manual input as most trackers don't handle bulk imports well.

Direct CSV exports go back to the day the account was opened and keep that full transaction trail intact. That's not just a privacy win — it's a precision win. With every lot, every DRIP run and every corporate action included, returns calculate correctly over the real holding period and cost basis is auditable for tax purposes. Manual entry preserves the same fidelity for assets that have no broker feed at all.

At Capitally, we prioritize your privacy and the depth of your data. That's why we're focusing on perfecting CSV imports first. Eventually, we plan to offer automated synchronization as well, so you can enjoy the best of both worlds.

Most migrations come in through one of three flows: paste from a spreadsheet, import a CSV / Excel export, or rebuild from broker statements. Capitally's importer maps columns to its transaction model on the fly and saves the mapping as a reusable preset variant, so a recurring source — your spreadsheet, a Kubera CSV, a Sharesight export — imports cleanly the second time.

For spreadsheet users (Excel, Google Sheets), the paste flow handles transactions, balances, and price history without changing the spreadsheet's format. For users coming from Sharesight, Snowball Analytics, Portfolio Performance, Delta, myFund or StockMarketEye - there are built-in presets. For any other tracker that exports CSV or Excel, like Kubera, Personal Capital / Empower, the same flow applies — the flexible column mapper handles whatever schema the export uses.

For broker-statement migration, native presets cover Interactive Brokers, Degiro, TastyTrade, Schwab, Coinbase, Kraken, XTB, Fidelity, Vanguard, Saxo, eToro, Trading 212, and many more; less common brokers are usually one column-mapping away. If your tracker has data Capitally doesn't yet handle directly, send a sample export to support@mycapitally.com — new presets get added regularly.

No. You choose the tracking depth per account or asset, anywhere on the spectrum from balance-only to full transaction history.

• Balance tracking: update an account's value periodically (monthly, quarterly, however often you want). Fast to maintain. Best for high-level wealth views, but limited for cost-basis analysis or tax filing.
• Transaction tracking: enter or import every buy, sell, dividend, and fee. Slower to set up, but unlocks tax-grade reporting (FIFO / LIFO / Average Cost / specific-lot), realised gains, and accurate cost basis.

Mix and match: track a wrap account or pension as a single balance, your IBKR account as full transactions, and a property as quarterly valuations. Switch a position from balance-only to full transactions later when the detail starts to matter — none of the historical data is lost.

Yes. Dividends are tracked at the payment level for every supported stock and ETF, with the gross amount, withholding tax, and net amount visible per payout. Capitally also computes yield-on-cost, forecasted income, and dividend growth — the metrics a long-term dividend or FIRE-track investor actually needs. See Tracking Dividends for the full setup, or the dividend-tracking feature page for an overview.

Auto-tracked dividends use market data, so they may differ from your broker's report due to WHT, FX timing, or processing delays. Each payment is editable, and manual entries take precedence over the automatic record without creating duplicates.

Beyond stocks and ETFs, the same income view captures bond coupons, real-estate rent, and any custom income stream you log against an asset — so DRIP yield, rental yield, and bond yield can be compared side by side.

Capitally is a paid subscription — there's no permanent free tier. The 14-day trial is fully featured, requires no credit card, and gives full access to imports, analytics, and reports. You can even trial the exact subscription tier you're interested in, to see if it fits.

Pricing increases over time as features expand. Subscribing now locks in the current rate for as long as the subscription is continuous — cancelling and resubscribing later means paying the new rate.

Yes. You can cancel anytime from Settings → Subscription, and you keep full access until the end of the period you've already paid for. Resubscribing at any point picks up exactly where you left off.

If your subscription ends, your data stays available for 6 months — long enough to come back without rebuilding anything. To delete it sooner, delete your account in Settings → My Profile.

Active subscriptions lock in the price from the day you signed up. If our pricing changes later, your rate stays the same as long as the subscription is continuous. Cancelling and resubscribing later means paying the current rate.

Plan switches work as a prorated credit. We calculate the unused portion of your current plan, apply it as credit toward the new one, and you pay only the difference. Downgrading means no further charges until the credit runs out.