getquin vs Capitally: Review of two portfolio trackers for European investors

15 July 2025

Investing is more diverse and demanding than ever, especially in Europe where portfolios often span multiple countries, brokers, and currencies. Efficiently tracking your wealth, analyzing performance, and ensuring privacy can make a big difference in your financial outcomes.

This review compares two distinct approaches to portfolio management: getquin, the German social investing platform founded in 2015, and Capitally, the privacy-focused wealth tracker that entered the market in 2023. While both serve European investors, they represent fundamentally different philosophies about how your financial data should be handled and what level of analysis you truly need.

Why portfolio trackers matter?

The days of juggling spreadsheets or trusting basic broker dashboards are gone. Modern investors need robust portfolio analysis tools to truly understand performance, income streams, and diversification. For those with accounts in different countries, exposure to different regions of the world, various asset classes, and increasingly complex tax and privacy needs, finding the right wealth tracker is critical.

getquin: Social investing meets portfolio tracking

getquin has built its reputation by combining portfolio tracking with social networking features, creating a community where over 500,000 investors share ideas and strategies. Based in Germany and operating since 2015, the platform aims to democratize investing by making portfolio management accessible and social.

What getquin gets right as a stocks tracker

The platform's strongest appeal lies in its automation and hands-off approach. Through third-party aggregators, getquin can automatically sync with various European and US brokers, pulling in your transactions and updating balances without manual intervention.

Real-time price updates keep your portfolio value current throughout the trading day, available even on the free tier. The mobile apps for iOS and Android are polished and responsive, making it easy to check your investments on the go. For dividend investors, getquin automatically tracks income from connected accounts and provides standard metrics like yield, yield on cost, and dividend growth projections.

For each market traded asset - no matter if you own it or not - you can check their fundamentals, price history, dividend payouts and relevant income metrics. It's a capable stock screener for building a dividend portfolio. It can easily be used as a capable dividend tracker.

The social investment community aspect creates genuine value, especially for beginners. You can follow other investors, see their portfolio allocations (if they choose to share), and participate in discussions about market trends and specific securities. This community-driven approach helps demystify investing and provides educational value beyond pure portfolio tracking.

Where getquin falls short as an investment tracker

However, getquin's limitations become apparent when managing anything beyond basic stock and ETF portfolios. The most glaring restriction is data import: if your broker isn't supported by their aggregators, you must add transactions manually, one by one. There's no CSV import option, making it impractical to migrate historical data or track accounts at unsupported institutions.

For many brokers, only current balances are imported, making historical returns simply untrue and not reliable. But the platform focuses really on here and now - as any historical analysis is nearly impossible, as most charts focus on today's state of your portfolio. Performance analysis is limited to predefined reports that cannot be customized, filtered, or grouped according to your needs. You can see basic metrics for your entire portfolio or individual assets, but cannot compare performance across different segments or time periods.

Custom asset tracking feels like an afterthought. While you can add real estate, art, or P2P loans, you can only update their current value manually without any way to import historical valuations. These custom assets don't contribute to diversification analysis and lack dedicated views, receiving second-class treatment compared to market-traded securities.

The platform provides no support for tracking liabilities, making it impossible to get a complete picture if you have mortgages, margin accounts, or other debts.

Tax support is completely absent. Without transaction export capabilities or tax calculations, getquin cannot serve as a source of record for tax filing. Users frequently report transaction discrepancies with automated sync, requiring manual oversight that defeats the purpose of automation.

Perhaps most concerning, is that getquin's automated sync requires sharing your broker credentials with third-party aggregators in many cases. And you cannot escape that, as adding your transactions manually is simply not practical. Your financial data resides on their servers, processed and accessible to their systems, so potentially vulnerable to breaches. There's no two-factor authentication support, and surprisingly, no way to export your own data.

Best suited for

getquin works best for casual investors with simple portfolios at supported brokers who value community insights over comprehensive analysis. If you're comfortable sharing financial data with aggregators and primarily need basic tracking with social features, then even the getquin's free tier might suffice.

Capitally: Privacy-first comprehensive wealth tracking

Capitally represents a fundamentally different approach to portfolio management. Founded in 2023, this newcomer has built a platform that prioritizes data privacy, analytical depth, and flexibility to handle any asset class or investment strategy. While it requires more hands-on management, it delivers capabilities that more serious investors need - though it's good for portfolio's of any size.

Core strengths

The platform excels at handling complex, real-world portfolios. Beyond stocks and ETFs, you can track real estate with rental income, private equity, art collections, P2P loans, or any custom asset with full historical performance data. Liabilities receive first-class treatment: track mortgages with interest payments, margin accounts, and short positions. The system automatically handles assets becoming liabilities when quantities go negative.

Multi-currency support goes beyond simple conversion. Capitally separates capital returns from currency returns, showing you exactly how foreign exchange movements impact your portfolio. For European investors holding USD assets or UK investors with EUR holdings, understanding this breakdown is crucial for making informed decisions.

The import system showcases remarkable flexibility. Using column matching and custom logic, you can import data from any CSV or Excel file, even creating reusable importers for regular updates. When importing from supported brokers, you see exactly what will be created and can modify asset matches or account assignments. If something goes wrong, one-click undo preserves all your choices for the next attempt.

Performance analysis capabilities rival professional-grade tools. Create custom charts choosing from line, bar, heatmap, or volatility displays. Filter positions using advanced logic, group results by any dimension, and compare metrics across time periods you define. The platform calculates institutional-grade metrics like money-weighted return (MWR), time-weighted return (TWR), that can be further customized.

Tax support includes capital gains calculations with customizable logic for different jurisdictions. The platform identifies tax-loss harvesting opportunities and generates reports suitable for filing or passing to accountants. Currently supporting FIFO methodology, but additional methods are in development.

Capitally's defining feature is end-to-end encryption with on-device data processing. Your financial information is encrypted using a private key derived from your password that never leaves your device. Even Capitally's own systems cannot access your data, and all calculations happen locally. For high-net-worth individuals or anyone concerned about financial privacy, this architecture provides additional layer of security that no other platform matches.

Trade-offs to consider

Capitally's manual import requirement represents its biggest adjustment for users coming from automated platforms. You must export statements from your brokers and upload them periodically. While this ensures accuracy and creates a reliable audit trail, it requires more effort than automated sync.

As a newer platform founded in 2023, Capitally has a smaller user base and no community features. The learning curve for advanced features can be steep, though the interface encourages exploration. There's no free tier beyond the 14-day trial, with annual subscriptions ranging from €80 to €130.

Ideal for

Capitally suits privacy-conscious investors with complex portfolios spanning multiple asset classes, currencies, and accounts. High-net-worth individuals tracking alternative investments, diversified investors dealing with currency complexity, and anyone seeking institutional-grade analysis while maintaining complete data privacy will find Capitally worth the investment.

Head-to-head comparison: Key features that matter

Data import and broker integration

The philosophical divide between these platforms becomes clearest in their approach to data import.

getquin prioritizes convenience through automated sync, connecting to brokers via aggregators like Plaid or Yodlee. This means real-time updates and minimal manual work, but at significant cost: you must share banking credentials with third parties, accept whatever transaction details the aggregator provides, and deal with synchronization errors that users frequently report.

Capitally takes the opposite approach, requiring manual export and import of broker statements. This delivers several advantages: complete transaction details including lot-level data for tax purposes, perfect accuracy matching your broker's records, and maintained privacy since credentials never leave your control. The sophisticated import system with column matching and saved presets makes subsequent imports quick and painless.

Asset coverage and portfolio complexity

getquin single asset view

Both platforms handle standard market securities well, but diverge dramatically when portfolios include alternative assets.

getquin allows adding custom assets like real estate or art, but implementation is basic: you can only update current values manually, these assets don't contribute to diversification analysis, and there's no way to track related income or expenses comprehensively.

Capitally treats every asset type as a first-class citizen. Track rental properties with monthly income, maintenance costs, and mortgage payments. Monitor P2P loan portfolios with interest receipts and defaults. Art collections can include purchase prices, insurance costs, and appreciation history. Every custom asset contributes to portfolio analysis, appears in performance charts, and can be tagged and categorized like any other holding.

Performance analysis capabilities

Capitally's future income analysis

getquin provides predefined reports showing basic metrics: current value, cost basis, simple return percentages, and basic allocation charts. These reports cannot be customized, filtered, or adjusted for different time periods. You see what getquin decides to show you, nothing more. It's a different story for asset screening, where you can see the fundamentals for any stock or ETF you want.

Capitally's portfolio explorer functions like a combination of pivot table and charting engine. Select any metric from dozens available, group by multiple dimensions simultaneously, apply complex filters, and visualize results in various chart types. Want to see how your European small-cap value stocks performed versus US large-cap growth holdings over the past 18 months, excluding any positions you sold? That's a few clicks in Capitally, impossible in getquin.

The platform calculates institutional metrics that serious investors need. Money-weighted returns account for your cash flow timing, time-weighted returns eliminate the impact of deposits and withdrawals, and yield on cost shows your income relative to original investment. These calculations include all fees, taxes, and currency impacts you choose to track.

Privacy and security: A critical difference

getquin follows industry-standard security practices with HTTPS encryption and secured servers. However, your unencrypted financial data resides on their servers, accessible to employees and potentially vulnerable to breaches. The social features actively encourage sharing portfolio data publicly. Without two-factor authentication or data export capabilities, you're entirely dependent on getquin's continued operation and security.

Capitally's architecture eliminates these concerns entirely. End-to-end encryption happens on your device using keys derived from your password. The company literally cannot access your financial data even if compelled by authorities or compromised by hackers. Regular data export options mean you always maintain control and ownership of your financial information.

Multi-currency portfolio management

European investors routinely deal with multiple currencies: euros for local investments, dollars for US tech stocks, pounds for UK dividends, and Swiss francs for stable holdings.

getquin handles this through basic conversion to your base currency, showing total returns without breaking down currency impacts.

Capitally's sophisticated approach separates capital returns from currency returns in every calculation. If your US stock gained 10% in dollars but the euro strengthened 5% against the dollar, you see both components clearly. You can switch viewing currencies instantly or analyze your portfolio in any supported currency to understand geographic exposure.

Pricing and value comparison

getquin's pricing appears attractive initially: free tier for basic tracking, €49.99 annually for premium features including diversification analysis and priority support. However, the free tier's limitations and premium tier's missing capabilities (no CSV import, tax support, or custom asset analytics) diminish its value for more serious investors.

Capitally's pricing reflects its comprehensive capabilities: €80 yearly for the Sailor plan (one project, 50 assets, 25 years history) or €130 for Navigator (five projects, unlimited assets, 30+ years history). Both include all features with no artificial restrictions. The 14-day trial requires no credit card, letting you test everything before committing.

Consider value beyond price. If Capitally's tax reporting saves one hour of accountant time or its analysis helps optimize allocation for 0.5% better returns, it pays for itself. The privacy protection and comprehensive tracking capabilities make it bargain-priced for anyone managing substantial wealth.

Making your decision: Key questions to ask

About your portfolio

Start by assessing complexity. Do you hold assets beyond stocks and ETFs? Multiple brokers or accounts? Investments in different currencies? Alternative assets like real estate or P2P loans? The more complex your holdings, the more Capitally's flexibility matters.

Consider your transaction volume and history. Frequent traders might prefer getquin's automation despite accuracy concerns. Long-term investors benefit from Capitally's precise historical tracking and tax lot management. If you need records for tax authorities, only Capitally provides audit-quality data.

About your priorities

Privacy concerns should drive platform choice. If you're uncomfortable sharing broker credentials with aggregators or having financial data on company servers, Capitally's encryption is non-negotiable. Public figures, high-net-worth individuals, or simply privacy-conscious investors should weigh this heavily.

Analytical requirements matter equally. Basic buy-and-hold investors might find getquin sufficient. Anyone optimizing asset allocation, analyzing performance drivers, or managing complex strategies needs Capitally's advanced tools. The ability to create custom views and analyses grows more valuable as your wealth increases.

Conclusion: The right tool for your investment journey

Both platforms serve their audiences well, but they target fundamentally different investors.

getquin suits casual investors seeking basic tracking with social features, comfortable with limited analysis and privacy trade-offs for convenience. Its free tier and automated sync appeal to those with simple needs and supported brokers. It's also great for those, who plan to use it to build their stock portfolio - as they don't need to delve into historical details, just need the current fundamentals that Capitally lacks.

Capitally emerges as the superior choice for long-term investors who value privacy, need comprehensive analysis, and manage diverse portfolios beyond basic securities. While requiring manual imports, it delivers professional-grade capabilities that grow with your wealth. The platform respects your privacy while providing tools to understand and optimize your complete financial picture.

For European investors navigating multiple currencies, tracking alternative assets, or simply wanting institutional-quality analysis without institutional costs, Capitally represents the future of portfolio tracking: comprehensive, private, and powerful. The modest annual fee returns multiples through better investment decisions and saved professional service costs.

Actually, consider using both!

For serious investors who want the best of both worlds, using getquin and Capitally together creates a powerful combination that addresses different phases of your investment journey.

getquin excels at the front end of investing: discovering opportunities, researching fundamentals, and gathering market sentiment. Its social features surface investment ideas you might miss, while community discussions provide diverse perspectives on market trends. The platform's stock fundamentals data helps evaluate potential investments, and real-time price tracking keeps you connected to market movements. Think of getquin as your research assistant and market pulse monitor.

Capitally handles the back end: comprehensive tracking, performance analysis, and wealth optimization. Once you've made investment decisions, Capitally provides the analytical horsepower to understand what's working, optimize your allocation, and prepare for tax season. Its privacy-first architecture ensures your actual portfolio remains confidential while you benefit from getquin's public research environment.

This dual approach works particularly well for growth-focused investors who actively research new positions but want institutional-grade tracking for existing holdings. You might use getquin's free tier to follow market discussions and screen potential investments, then import your actual transactions into Capitally for serious analysis.

Frequently asked questions

Is getquin safe to use?

getquin employs standard security measures including encrypted connections and secured servers. There are multiple layers of keeping your data safe. However, "safe" depends on your definition. Your financial data resides unencrypted on their servers, as they need to do calculations on it. This makes it accessible to employees, which makes it potentially vulnerable to breaches (and there were bigger companies who fell victim to that). Using automated sync requires sharing broker credentials with third-party aggregators, adding another security and privacy risk. While thousands use getquin without incident, privacy-conscious investors might find these trade-offs unacceptable.

Can I migrate from getquin to Capitally?

Migration is theoretically possible but practically challenging. getquin provides no data export functionality, meaning you cannot download your transaction history or portfolio data. It's much simpler to just import your transaction history from original broker statements. This limitation highlights why choosing a platform that respects data ownership matters: Capitally allows full data export anytime, ensuring you're never locked in.

What happens if either company shuts down?

With getquin, service shutdown means losing access to your data since there's no export option. Your only recourse would be manually recording current holdings before service termination. Capitally's architecture provides better protection: regular data exports mean you always have backups, while offline functionality ensures continued access even if servers disappear. The open nature of Capitally's import/export formats means your data remains useful in spreadsheets or other tools.