From Schwab Transaction History to a real portfolio

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.

Yes. A single Capitally project can hold any number of accounts — each one a logical container for a broker account, bank account, pension, wrap account, or any other portfolio slice you want to keep separate. Name them however you like (Personal IBKR, Company Schwab, Trust Vanguard, Joint Saxo, IRA, ISA, IKE/IKZE, etc.). Reports filter by account, by asset class, by tag, or roll up into a single net-worth view across everything.

Liabilities (mortgages, margin loans, lines of credit) live in the same project as assets, so a true net-worth view nets debt against holdings. See Tracking Debt for the setup. Performance metrics — TWR, money-weighted return / IRR, FX attribution, cost basis — work at any level: per account, per filter, or for the entire portfolio.

When entities need to stay strictly separated (e.g. a personal portfolio and a company portfolio that must never mix in any report), use multiple projects and switch between them in the UI — same login, fully isolated data.

Time-weighted return (TWR) strips out the effect of when you added or withdrew money — useful when you want to judge your strategy and compare against a benchmark. Money-weighted return (MWR), also called IRR, includes the timing of your cashflows — useful when you want to judge your actual investor return, including whether you got the timing right.

A simple example: if you held an ETF that returned 10% on a $1,000 starting balance but added another $9,000 right before a 5% drawdown, your TWR is still positive (the strategy did fine), but your MWR is roughly negative (you lost money in absolute terms because of the timing). Both are correct; they answer different questions.

Capitally can compute both metrics, for every account, every asset class, and the whole portfolio. Use TWR to compare your strategy against the S&P 500, MSCI World, or any custom benchmark. Use MWR/IRR to see what the portfolio actually did for you, dollar in, dollar out. Switch between them right in the portfolio dashboard. For the full methodology breakdown, see measuring investment performance.

Both rates can also be discounted by a benchmark — that's a separate move from comparing side-by-side. Discount by a CPI series for your real (after-inflation) return; by S&P 500 or MSCI World for your alpha; by a 10Y government bond yield for your premium over a near-risk-free rate. The discount applies uniformly to TWR, IRR, and ROI, so all three move from "nominal" to "real" or "excess" together. See discounting by a benchmark for the mechanics.

Yes. Each option contract carries its own Greeks — delta, theta, gamma, vega, and rho — computed from the underlying's price, the contract's strike and expiry, historical volatility, the long-term dividend yield, and a configurable risk-free rate. The portfolio rolls up to an exposure across equities and options together.

Greeks are visible at the contract level (per option), at the strategy level (covered call, vertical spread, iron condor, etc.), at the underlying level (all contracts on AAPL combined with the AAPL stock position), and at the portfolio level (total exposure across everything you hold).

Because Capitally models option prices rather than pulling them from an exchange, Greeks remain consistent over time and work even on illiquid contracts or options on custom underlyings — useful for retail investors building multi-leg strategies who want one consolidated view of theta decay, gamma risk, and net delta. See the stock options feature page for an overview.

Capitally supports six cost-basis methods: FIFO (first-in, first-out), LIFO (last-in, first-out), HICO (highest cost first), LOCO (lowest cost first), Manual specific-lot identification, and Average Cost Basis (ACB) with both Asset and Asset+Account pooling. You can configure the method per project, per account, per asset, or per position — the most specific setting wins. See cost basis methods for full details and worked examples.

Manual specific-lot identification is the basis for tax-loss harvesting: when you sell a partial position, Capitally lets you pick which lots to close, shows the realised gain or loss for each combination, and updates the remaining cost basis accordingly. The choice flows into the country-specific capital-gains report so the tax document reflects the actual lots you closed.

Multi-currency cost basis is preserved at the trade currency, so cross-border investors see both the local-currency realised gain (what the broker reports) and the base-currency realised gain (what their home tax authority cares about). Built-in tax presets for Canada, the UK, Germany and other jurisdictions wire the right method automatically — e.g. ACB with Section 104 same-day and 30-day matching for the UK.

Yes. Foreign-stock and ETF dividends track the same way as domestic ones, and Capitally records the withholding tax (WHT) deducted at source as a separate component of the cashflow — so the gross dividend, the WHT, and the net amount are all visible per payment. See Tracking Dividends for the full setup.

You can let WHT be derived from your broker's import or override it manually per payment when the broker file is incomplete. Each payment is captured in the dividend's currency and reconciled into your base currency, which keeps cross-border yield-on-cost and forecasted-income calculations accurate.

For tax filing, country-specific tax presets carry the WHT through to the right line item — useful when a foreign-tax credit or treaty-based refund needs to be reconciled at year end.