Find your way to Financial Independence

At Capitally, we believe that investment tracking is just the beginning, not the end. Yes, it's essential to keep an eye on your investments, but it's equally important to understand them in the context of your overall investment strategy.

Our goal is to assist you in not only finding and implementing your investment strategy but also maintaining it over the long term (we're still working on this aspect).

When it comes to tracking, we have a slightly different take on a few things:

• You have the freedom to track either broad account balances or detailed transactions - the level of detail is entirely up to you.

• Custom assets can be tracked just like standard ones, complete with price history and transactions.

• You can import data from any table, whether it's an export from your broker or a spreadsheet you've created.

• Your data is encrypted and stored on your device - it's yours, and you can export it all at any time.

You can find more information about these features in other sections of this FAQ.

Capitally is designed with long-term investors in mind, particularly those who have or are planning to build a diversified portfolio across various assets and brokers.

If you're someone who has previously managed your finances using a spreadsheet, you'll find Capitally to be a familiar yet enhanced experience. It's specifically designed to excel at analyzing the historical performance of your investments, making it a significant upgrade from your typical spreadsheet.

We don't sell or analyze your financial data or behavioral patterns. Our focus is solely on delivering the best user experience, which involves analyzing the general adoption of features and application performance, all in accordance with our Privacy Policy.

In fact, your financial data is encrypted on your device using a private key that's derived from your password. This means that only you can decrypt this information. Neither we nor anyone else can access this data, even if we wanted to.

This ensures that even in the unlikely event of a security breach or if one of our contractors acts inappropriately, the data that could potentially be extracted from our systems would be useless. This is a level of security that sets us apart from our competitors.

Additionally, we adhere to industry-standard security best practices:

• We utilize a trusted computing platform (Google Cloud).

• All server communications are encrypted with HTTPS.

• All data is encrypted at rest.

• Access to data is granted on a need-to-know basis and is logged.

• We implement robust security measures to keep our systems secure.

For a more detailed explanation of our encryption mechanism, please refer to our security guide.

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. This model ensures that all your transaction data is included in full and can be used for accurate tracing of cost-basis - especially important for tax purposes.

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 to keep brokerage credentials out of third-party hands — not the right fit for someone who explicitly wants a one-click bank-aggregator dashboard.

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.

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.

Capitally is a subscription-based service and we currently do not offer a Free tier. Instead, we have a 14-day fully-featured Free Trial that doesn't require a Credit Card, so you have ample time to check if it works for you.

As we continue to add more features and enhance the application, the subscription prices will increase and additional plans will be introduced. The good news is, by subscribing early, you can lock in the price from the day you subscribe.

Want to stop your subscription? No problem! You can cancel anytime and still use everything until your paid time runs out. Changed your mind later? Just turn it back on!

Don't worry about your work - if your subscription ends, we'll save all your data for 6 months. This means you can come back anytime within that period and pick up right where you left off. If you prefer to have your data deleted sooner, just drop us a message at support@mycapitally.com and we’ll take care of it.

Here's a nice bonus: staying subscribed locks in your current price. Even if our prices go up later, you'll keep paying the same amount you started with. (Just remember - if you cancel and come back later, you'll need to pay the new rates.)

Want to switch to a different plan? You can do that anytime too! Here's exactly how it works:

• We'll look at how much you've already paid and haven't used yet

• This amount becomes credit towards your new plan and future payments

• You'll only pay the extra difference

So when you downgrade to a cheaper plan you won't need to pay anything until your credit runs out.

The money you already paid never goes to waste - it just moves to your new choice! 🙂

Capitally is a truly global platform, with no territorial limitations. We support all national currencies and major markets worldwide.

Even if we don't have data for your local mutual fund, don't worry - you have the option to add it yourself. We've specifically designed Capitally to be inclusive and accessible to everyone, everywhere.

Capitally offers a high degree of flexibility when it comes to tracking assets, and we have plans to expand this even further. Our goal is to create a tool that allows you to analyze all aspects of your wealth, including liabilities.

At present, we directly support:

• Stocks, ETFs, Currencies, Cryptocurrencies, Commodities, Indexes - check out the full list of all markets for which we provide pricing and dividend data.

• Cash accounts in any national currency.

• Real estate and startup ventures.

• Art, watches, antiques, cards, and other collectibles.

• Bonds, deposits, and other fixed-income instruments - currently, these are priced manually, but automated support is on our roadmap.

For each type of asset, you can track individual transactions or just current balances, along with historical market prices.

The answer is both yes and no. There are essentially two types of trackers:

• Balance trackers: These focus on your current wealth distribution and how it has changed over time. They're quick and easy to use, but they might not provide the level of detail you need, for example to analyse transaction costs, or do taxes.

• Transaction trackers: These provide a more detailed and accurate picture, but they often require a lot of manual input, which can be time-consuming.

Capitally offers the best of both worlds. You can quickly update account balances for a high-level overview, or add individual transactions for more accuracy. You have the freedom to mix and match as you please, and you can even switch your tracking style at any time.

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 to automatically synchronize account balances, these often require you to provide your bank login details and may not always be accurate. They typically only provide account balances and sometimes up to 3 months of transactions. If your broker isn't supported, which can often be the case depending on your location, you're usually left with the tedious task of manual input as most trackers don’t support bulk import well.

At Capitally, we prioritize your privacy and aim to give you more control over 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.

Absolutely! We automatically include dividend payouts for any eligible stock market assets you've added, including both stocks and ETFs. Please note that these may differ from what your broker reports due to taxes and transfer delays, but you can easily verify and correct them if necessary.

Not only that, we allow you to recognise and compare fixed income from other types of investment, like Bonds or Real Estate Rental.