Is the 1% Portu fee worth it?
See the true net return on your Portu portfolio after management fees—compared head-to-head with a global ETF, with dividends after withholding tax and cost basis calculated for your PIT-38 tax filing.
Is the 1% Portu fee worth it, and how do you handle taxes from a Czech broker?
Capitally fully tracks Portu, including both smart ETF portfolios and DIY stock holdings. We calculate TWR and MWR net of the annual management fee, compare them to a global ETF of your choice, and break down every dividend with the tax withheld in the Czech Republic.
Capitally tracks your cost basis tax-lot by tax-lot in multiple currencies (CZK, EUR, USD, PLN), converted to your base currency at the exchange rate on the date of the transaction. Capital gains reports are generated using a tax preset for your country—defaulting to FIFO for Polish PIT-38 filings and other methods where local law permits, plus withholding tax credits in line with local tax treaties. End-to-end encryption; no Plaid, no aggregators, no sharing your broker password.
Portfolio analysis app
Check if your 1% Portu fee is worth it
Portu shows your portfolio value and a price curve — it won't tell you whether your real return after fees beats a global ETF you could hold yourself.
Capitally calculates TWR and MWR net of the 1% annual fee, compares performance against VWCE, the S&P 500, or any benchmark, and breaks down the contribution of every holding in your portfolio. Get a clear answer to a tough question—without spreadsheets and without giving your broker password to anyone.
- Choose accurate metricsCalculate returns using MWR, TWR, or ROI depending on your investment type, what you want to measure and what you compare yourself against.
- Benchmark — or discount — by anythingStack up to 10 benchmarks side by side, or discount your return by inflation, a market index, any asset, or even a buy-and-hold version of your own portfolio to see your real and excess returns.
- Identify real return driversSee exactly what affects your returns - capital gains, currency fluctuations, income, fees, and taxes - all clearly broken down.
- Track your true performanceGet accurate metrics that account for all cash flows, reinvested dividends, and timing effects that most platforms ignore.
Complete dividend portfolio tracker
Track ETF dividends and Czech tax
Most Portu portfolios accumulate dividends within UCITS funds, but for distributing portfolios and DIY holdings, they arrive in your account in EUR, USD, or CZK, with withholding tax applied according to the issuer's country.
Capitally separates your gross and net amounts, links every payment to the fund or stock that generated it, and tracks your forward income and yield on cost in your base currency. Withholding tax is assigned to the source country—ready to be deducted from your local tax return in accordance with double taxation treaties.
- Track dividends along with withheld taxImport exact dividends from your broker, including real withholding tax data. No more manual calculations or checking statements - your actual tax withholdings are preserved exactly as reported.
- Make it your dividend portfolio calculatorFind your top money-generating assets by comparing crucial metrics: Dividend Yield, Yield on Cost, and Dividend Growth Rate.
- Measure the exact compounding effect of DRIPTrack both DRIP and dividend paid in stock with precision, calculating exact compounding effects and visualizing your growing income.
- Identify top income assets on a heatmapVisualize your own "dividend kings" with an intuitive heat map showing your best-performing income assets.
Your own portfolio organizer
Unite your Portu portfolio into your total wealth picture
A Portu investor rarely has just one account; you likely also have a retirement account (like an IKE or IKZE), a local brokerage account, savings, a currency account, or perhaps a crypto portfolio. Most apps keep these isolated. Capitally gathers these accounts into a single view, organized by goal, family member, or strategy, and converts CZK, EUR, USD, and other currencies into your base currency. See your full financial picture—with Portu as a part of it, not an island.
Capitally pulls these accounts into one view, organizes them by goal, family member, or strategy, and converts CZK, EUR, USD, and other currencies to your base currency. The full picture of your entire wealth — with Portu as one part of it, not an island.
- Create nested account foldersBuild your accounts into subfolders that mirror how you manage your finances. This makes it easier to navigate, track, and compare different portfolios - so you always know exactly where to find what you need.
- Tag accounts, assets, and transactions flexiblyAdd custom tags on three levels - accounts, assets, and transactions - allowing you to filter and analyze your data in detail. Even the smallest details become easy to compare and track.
- Organize assets by Categories, Regions, and SectorsMarket assets are automatically categorized by kind, geography, and sector. You can categorize your custom ones too. You can instantly see your diversification level and exposure.
- Customize categories to fit your styleCapitally doesn’t just fit your data into predefined structures - you can modify existing categories or create your own, ensuring that all imported assets match your personal organization style.
- Save and pin your favorite views as bookmarksPin your most-used portfolio views to the main menu. Access your key insights instantly - without repeating their setup every time.
- Navigate with precisionUse extensive filters system to drill down into specific holdings, transactions, or performance trends, helping you make informed decisions faster.
All your brokers are already here!
Dozens of capabilities
- 🌈All types of assetsStocks, ETFs, crypto, options, real estate, art — and any custom asset you can put a price on.
- 📥Import from anywhereImport from dozens of brokers, or paste a 10-year spreadsheet. Transactions or balances — your choice.
- 💶Multi-currency with FXTrack and view in any currency. See FX attribution — capital gain vs currency gain — separately.
- 🧠Pro-grade analyticsTWR, MWR, IRR, ROI, Yield, Yield on Cost, dividend growth, exposure analysis — methodology shown.
- 🏆Advanced benchmarksCompare your results against any index, ETF, custom asset, inflation, or any slice of your own portfolio.
- 🌎Exposure analysisSee exposure by region, sector, currency, and any custom category you tag.
- 💰Dividend trackerDividends, rent, interest, and any other investment income. DRIP supported.
- 🔮Income calendar & estimatesSee upcoming dividends and rent payments — and forecast them years ahead.
- 🏛️Capital gains taxesFIFO, average cost, or specific-lot. Tax-loss harvesting and year-end filings, with presets per jurisdiction.
- 🏦Liabilities, bonds and depositsMortgages, bond coupons, P2P loans, deposits — modeled with their actual terms and rates.
- 🤹Stock options trackerTrack stock options with strike, expiry, and Greeks alongside the rest of your portfolio.
- 👔Private Equity trackerCommitments, capital calls, distributions, DPI, RVPI, TVPI — along side your regular portfolio.
- 🏷️Organize & filter your wayNest accounts, tag transactions, categorize assets — then filter and group however you need.
- 💄Build it your wayYour charts, filters, date periods, tables, importers, tax presets — even your menus.
- 🧪Test investment scenariosSpin up a "what-if" project to test a strategy against your real history — risk-free.
- 🥷On-device encryptionEnd-to-end encrypted before data leaves your device — the only portfolio tracker that does this.
- 🚫No ads or 3rd-party trackersNo data sharing, no surveillance — your activity stays on your device.
- 📱Fully-featured mobile accessTrack on the go, on multiple devices, even offline.
The only portfolio tracker where your data is only yours
End-to-end encrypted on your device — before anything leaves your device. We can't see your data, and neither can anyone else.
- Your data is encrypted on your device with a private key, before it ever leaves it
- This is in addition to standard transport and at-rest encryption
- No Plaid, no aggregators, no broker linking — paste a CSV, keep your credentials
- No 3rd-parties, no trackers, no ads, no upsells
- Export everything at any time — there's no lock-in
- EU-hosted — GDPR by design
Loved by DIY investors
Advanced retail investors, multi-currency expats, and high-net-worth individuals — across all continents.
"Really pleased to be part of Capitally’s clients! Love the fact that it brings so many functionalities within an efficient interface. Every time I think of something I'd like to do or a piece of data I'd like to have, I always find a way to get it. It's amazing! I’ve also added a shortcut on my iPhone’s home screen, so I can easily access all my data even when I’m away from home. Perfect!"
Frank
France
"I'm really impressed by the quality and versatility of the app. I like that I can customize almost anything. I wanted to have a view of all of my family's assets in one place and the possibility to filter and organize data in any way I want, which is fantastic with the tags. The features that I love the most are the tags, the IRR data, the filtering capabilities and the X-Ray graph."
Boris
Canada
"Once I got used to it, it's a great app! Especially as it handles all my assets - I've tested a few and they didn't have NewConnect for example"
Mateusz
Poland
"As a finance director at a non-profit foundation, I needed a solution that could handle our complex investment mix - from managed funds to real estate. Capitally's flexible import options made it simple to track everything in one place. The affordable price means more of our budget goes to our mission. It's exactly what we needed to get our investment tracking in order."
Jiří Kulík
Nadace Open Society Foundation Prague
"I just wanted to share how brilliant your tool is for managing investments. It is so comprehensively thought-through and the ease with which it can be used is admirable. I used to actively manage my investments via Excel, but this helps to save a lot of time and effort. I'm very impressed!"
Kunal Parwani
Singapore
"Love love LOVE Capitally! I work in Product and I really really appreciate your approach and just what an amazing product it is 😊 "
Li T
Australia
"I bought the subscription for a couple of reasons: 1) your support of the product...I liked that you care about it; 2) the product has good bones and I know it will get better in the future; 3) I like the security aspect of my data"
Drew
USA
"Capitally is an absolutely great tool that allows you to grasp all your investments at a glance, thanks to its clear and well-designed appearance. At the same time, it provides practically unlimited possibilities for exploring data. The whole thing works equally well on a computer and a phone. As a user, I can count on excellent support (thank you!). I also like the pace of development and the features being added - since I purchased the license, the ability to calculate tax liabilities has been introduced, and I also have an early version of options support - something no other solution I know of offers. I definitely recommend it!"
Michał Szafrański
Bestselling author of "Finansowy Ninja"
"The X-Ray feature is “unbelievably good” - you are fantastic and really understand what users need."
Hemanth
India
"I've been using Capitally since November 2024 and have enjoyed it every day since!"
Frank P.
France
"Capitally is an excellent tool that provides a complete overview of all our assets, including real-time stocks, real estate, and private equity. It saves us a lot of time and effort compared to manually keeping track of everything. It's user-friendly and intuitive, with a fantastic support team that is always ready to assist. We highly recommend it to anyone looking for an efficient way to manage their investments."
F3 Capital
Investment Fund
"I started building something similar for myself as a combination of Python + Excel and I came to the conclusion that it would be more economical to choose a ready-made option"
Tomasz Onyszko
@tonyszko
"I am already impressed by the product as it is now, while it is still in the early stages"
Maarten Bremer
"I like the simple UI, the DeGiro import worked pretty well, and I can track everything in my portfolio properly. Dividends and broker cost tracking work well, too."
Jamie Schembri
Netherlands
"It's the first app that was able to import history from all my accounts across multiple brokers. Now I can finally see the full picture for the first time. I highly recommend it!"
sebawo
@sebawo
"I had no idea how many poor investing choices I made before Capitally. Tax filing is so much easier now - saves me hours, and the tax-loss harvesting alone covers the subscription. What I love is how the app pushed me to learn more about metrics. This helped me make smarter money decisions. The tool is fantastic, and the customer support is even better!"
Paweł
Poland
"My only requirement was client-side encryption. That pushed most of your competitors away, so I decided to try with you and never looked back."
Dubravko Flis
Head of IT, Croatia
"Not only does it provide a real value-add through tax reporting (others charge a monthly fee for only having pre-made portfolio analyses without the ability to customize while requiring the user to still use another way to do taxes), but it also excels at the various kinds of integrations of accounts, assets and currencies."
Steffen Jahnke
"It's really fantastic. I've started investing this year, and with Capitally I can see all the information that I need, and it's super easy to use. I love the dashboard and everything. Excellent idea"
Renan Dias
USA
"I spent 4 years building my 16MB Excel spreadsheet for portfolio tracking. In just two evenings with Capitally, I replicated everything and got even better analytics! The data visualization is incredible - slice and dice however you want. But what really blew me away was when the developer fixed an issue before I even reported it. This is next-level software and support! 😂"
TomeK Karczewski
Poland
"Capitally allowed me to transition from overcomplicated spreadsheets that needed to be updated manually (but never was) I used for tracking my investments, to just seeing the data at a glance, automatically updated and ready for me to analyze. And that is just the tip of the iceberg of what it can offer"
Piotr Płaneta
@piotrplaneta
"The game changer that Capitally brings is that it has a very high degree of customization when it comes to selecting assets and recording transactions. For me the differentiator is the ability to record transactions in a currency that differs from the asset currency. My investment portfolio spans multiple global markets and accounts and normal portfolio tracking tools just don't recognize the fact that I may be purchasing a given equity in more than one currency in different accounts."
Stuart Davidson
USA
"I tried Portfolio Performance, but quit it multiple times because of errors in currency handling, importing is too clunky and error-prone in general and there’s a lack of automatic adjustments for dividends and splits. Capitally does all these things right and the reporting is visually nice and quick."
Andries Zwikstra
Netherlands
"I currently have an active subscription with another tool, but I already know that I won't be renewing it.
Capitally takes data exploration to a whole new level, despite lacking some functionalities that will probably appear over time. Both as a programmer and a user, I love tools where intuitiveness is a high priority."
Paweł Gajda
Poland
"Once I got used to it, it's a great app! Especially as it handles all my assets - I've tested a few and they didn't have NewConnect for example"
Mateusz
Poland
"Really pleased to be part of Capitally’s clients! Love the fact that it brings so many functionalities within an efficient interface. Every time I think of something I'd like to do or a piece of data I'd like to have, I always find a way to get it. It's amazing! I’ve also added a shortcut on my iPhone’s home screen, so I can easily access all my data even when I’m away from home. Perfect!"
Frank
France
"I'm really impressed by the quality and versatility of the app. I like that I can customize almost anything. I wanted to have a view of all of my family's assets in one place and the possibility to filter and organize data in any way I want, which is fantastic with the tags. The features that I love the most are the tags, the IRR data, the filtering capabilities and the X-Ray graph."
Boris
Canada
"Love love LOVE Capitally! I work in Product and I really really appreciate your approach and just what an amazing product it is 😊 "
Li T
Australia
"As a finance director at a non-profit foundation, I needed a solution that could handle our complex investment mix - from managed funds to real estate. Capitally's flexible import options made it simple to track everything in one place. The affordable price means more of our budget goes to our mission. It's exactly what we needed to get our investment tracking in order."
Jiří Kulík
Nadace Open Society Foundation Prague
"I just wanted to share how brilliant your tool is for managing investments. It is so comprehensively thought-through and the ease with which it can be used is admirable. I used to actively manage my investments via Excel, but this helps to save a lot of time and effort. I'm very impressed!"
Kunal Parwani
Singapore
"The X-Ray feature is “unbelievably good” - you are fantastic and really understand what users need."
Hemanth
India
"I bought the subscription for a couple of reasons: 1) your support of the product...I liked that you care about it; 2) the product has good bones and I know it will get better in the future; 3) I like the security aspect of my data"
Drew
USA
"Capitally is an absolutely great tool that allows you to grasp all your investments at a glance, thanks to its clear and well-designed appearance. At the same time, it provides practically unlimited possibilities for exploring data. The whole thing works equally well on a computer and a phone. As a user, I can count on excellent support (thank you!). I also like the pace of development and the features being added - since I purchased the license, the ability to calculate tax liabilities has been introduced, and I also have an early version of options support - something no other solution I know of offers. I definitely recommend it!"
Michał Szafrański
Bestselling author of "Finansowy Ninja"
"I started building something similar for myself as a combination of Python + Excel and I came to the conclusion that it would be more economical to choose a ready-made option"
Tomasz Onyszko
@tonyszko
"I've been using Capitally since November 2024 and have enjoyed it every day since!"
Frank P.
France
"Capitally is an excellent tool that provides a complete overview of all our assets, including real-time stocks, real estate, and private equity. It saves us a lot of time and effort compared to manually keeping track of everything. It's user-friendly and intuitive, with a fantastic support team that is always ready to assist. We highly recommend it to anyone looking for an efficient way to manage their investments."
F3 Capital
Investment Fund
"It's the first app that was able to import history from all my accounts across multiple brokers. Now I can finally see the full picture for the first time. I highly recommend it!"
sebawo
@sebawo
"I am already impressed by the product as it is now, while it is still in the early stages"
Maarten Bremer
"I like the simple UI, the DeGiro import worked pretty well, and I can track everything in my portfolio properly. Dividends and broker cost tracking work well, too."
Jamie Schembri
Netherlands
"Not only does it provide a real value-add through tax reporting (others charge a monthly fee for only having pre-made portfolio analyses without the ability to customize while requiring the user to still use another way to do taxes), but it also excels at the various kinds of integrations of accounts, assets and currencies."
Steffen Jahnke
"I had no idea how many poor investing choices I made before Capitally. Tax filing is so much easier now - saves me hours, and the tax-loss harvesting alone covers the subscription. What I love is how the app pushed me to learn more about metrics. This helped me make smarter money decisions. The tool is fantastic, and the customer support is even better!"
Paweł
Poland
"My only requirement was client-side encryption. That pushed most of your competitors away, so I decided to try with you and never looked back."
Dubravko Flis
Head of IT, Croatia
"Capitally allowed me to transition from overcomplicated spreadsheets that needed to be updated manually (but never was) I used for tracking my investments, to just seeing the data at a glance, automatically updated and ready for me to analyze. And that is just the tip of the iceberg of what it can offer"
Piotr Płaneta
@piotrplaneta
"It's really fantastic. I've started investing this year, and with Capitally I can see all the information that I need, and it's super easy to use. I love the dashboard and everything. Excellent idea"
Renan Dias
USA
"I spent 4 years building my 16MB Excel spreadsheet for portfolio tracking. In just two evenings with Capitally, I replicated everything and got even better analytics! The data visualization is incredible - slice and dice however you want. But what really blew me away was when the developer fixed an issue before I even reported it. This is next-level software and support! 😂"
TomeK Karczewski
Poland
"I currently have an active subscription with another tool, but I already know that I won't be renewing it.
Capitally takes data exploration to a whole new level, despite lacking some functionalities that will probably appear over time. Both as a programmer and a user, I love tools where intuitiveness is a high priority."
Paweł Gajda
Poland
"The game changer that Capitally brings is that it has a very high degree of customization when it comes to selecting assets and recording transactions. For me the differentiator is the ability to record transactions in a currency that differs from the asset currency. My investment portfolio spans multiple global markets and accounts and normal portfolio tracking tools just don't recognize the fact that I may be purchasing a given equity in more than one currency in different accounts."
Stuart Davidson
USA
"I tried Portfolio Performance, but quit it multiple times because of errors in currency handling, importing is too clunky and error-prone in general and there’s a lack of automatic adjustments for dividends and splits. Capitally does all these things right and the reporting is visually nice and quick."
Andries Zwikstra
Netherlands
"I'm really impressed by the quality and versatility of the app. I like that I can customize almost anything. I wanted to have a view of all of my family's assets in one place and the possibility to filter and organize data in any way I want, which is fantastic with the tags. The features that I love the most are the tags, the IRR data, the filtering capabilities and the X-Ray graph."
Boris
Canada
"Once I got used to it, it's a great app! Especially as it handles all my assets - I've tested a few and they didn't have NewConnect for example"
Mateusz
Poland
"Really pleased to be part of Capitally’s clients! Love the fact that it brings so many functionalities within an efficient interface. Every time I think of something I'd like to do or a piece of data I'd like to have, I always find a way to get it. It's amazing! I’ve also added a shortcut on my iPhone’s home screen, so I can easily access all my data even when I’m away from home. Perfect!"
Frank
France
"I just wanted to share how brilliant your tool is for managing investments. It is so comprehensively thought-through and the ease with which it can be used is admirable. I used to actively manage my investments via Excel, but this helps to save a lot of time and effort. I'm very impressed!"
Kunal Parwani
Singapore
"Love love LOVE Capitally! I work in Product and I really really appreciate your approach and just what an amazing product it is 😊 "
Li T
Australia
"As a finance director at a non-profit foundation, I needed a solution that could handle our complex investment mix - from managed funds to real estate. Capitally's flexible import options made it simple to track everything in one place. The affordable price means more of our budget goes to our mission. It's exactly what we needed to get our investment tracking in order."
Jiří Kulík
Nadace Open Society Foundation Prague
"Capitally is an absolutely great tool that allows you to grasp all your investments at a glance, thanks to its clear and well-designed appearance. At the same time, it provides practically unlimited possibilities for exploring data. The whole thing works equally well on a computer and a phone. As a user, I can count on excellent support (thank you!). I also like the pace of development and the features being added - since I purchased the license, the ability to calculate tax liabilities has been introduced, and I also have an early version of options support - something no other solution I know of offers. I definitely recommend it!"
Michał Szafrański
Bestselling author of "Finansowy Ninja"
"The X-Ray feature is “unbelievably good” - you are fantastic and really understand what users need."
Hemanth
India
"I bought the subscription for a couple of reasons: 1) your support of the product...I liked that you care about it; 2) the product has good bones and I know it will get better in the future; 3) I like the security aspect of my data"
Drew
USA
"Capitally is an excellent tool that provides a complete overview of all our assets, including real-time stocks, real estate, and private equity. It saves us a lot of time and effort compared to manually keeping track of everything. It's user-friendly and intuitive, with a fantastic support team that is always ready to assist. We highly recommend it to anyone looking for an efficient way to manage their investments."
F3 Capital
Investment Fund
"I started building something similar for myself as a combination of Python + Excel and I came to the conclusion that it would be more economical to choose a ready-made option"
Tomasz Onyszko
@tonyszko
"I've been using Capitally since November 2024 and have enjoyed it every day since!"
Frank P.
France
"I like the simple UI, the DeGiro import worked pretty well, and I can track everything in my portfolio properly. Dividends and broker cost tracking work well, too."
Jamie Schembri
Netherlands
"It's the first app that was able to import history from all my accounts across multiple brokers. Now I can finally see the full picture for the first time. I highly recommend it!"
sebawo
@sebawo
"I am already impressed by the product as it is now, while it is still in the early stages"
Maarten Bremer
"My only requirement was client-side encryption. That pushed most of your competitors away, so I decided to try with you and never looked back."
Dubravko Flis
Head of IT, Croatia
"Not only does it provide a real value-add through tax reporting (others charge a monthly fee for only having pre-made portfolio analyses without the ability to customize while requiring the user to still use another way to do taxes), but it also excels at the various kinds of integrations of accounts, assets and currencies."
Steffen Jahnke
"I had no idea how many poor investing choices I made before Capitally. Tax filing is so much easier now - saves me hours, and the tax-loss harvesting alone covers the subscription. What I love is how the app pushed me to learn more about metrics. This helped me make smarter money decisions. The tool is fantastic, and the customer support is even better!"
Paweł
Poland
"I spent 4 years building my 16MB Excel spreadsheet for portfolio tracking. In just two evenings with Capitally, I replicated everything and got even better analytics! The data visualization is incredible - slice and dice however you want. But what really blew me away was when the developer fixed an issue before I even reported it. This is next-level software and support! 😂"
TomeK Karczewski
Poland
"Capitally allowed me to transition from overcomplicated spreadsheets that needed to be updated manually (but never was) I used for tracking my investments, to just seeing the data at a glance, automatically updated and ready for me to analyze. And that is just the tip of the iceberg of what it can offer"
Piotr Płaneta
@piotrplaneta
"It's really fantastic. I've started investing this year, and with Capitally I can see all the information that I need, and it's super easy to use. I love the dashboard and everything. Excellent idea"
Renan Dias
USA
"I tried Portfolio Performance, but quit it multiple times because of errors in currency handling, importing is too clunky and error-prone in general and there’s a lack of automatic adjustments for dividends and splits. Capitally does all these things right and the reporting is visually nice and quick."
Andries Zwikstra
Netherlands
"I currently have an active subscription with another tool, but I already know that I won't be renewing it.
Capitally takes data exploration to a whole new level, despite lacking some functionalities that will probably appear over time. Both as a programmer and a user, I love tools where intuitiveness is a high priority."
Paweł Gajda
Poland
"The game changer that Capitally brings is that it has a very high degree of customization when it comes to selecting assets and recording transactions. For me the differentiator is the ability to record transactions in a currency that differs from the asset currency. My investment portfolio spans multiple global markets and accounts and normal portfolio tracking tools just don't recognize the fact that I may be purchasing a given equity in more than one currency in different accounts."
Stuart Davidson
USA
See your real returns. Free to start.
- Works great on a desktop or laptop
- Fully featured on mobile
- Add to home screen for quick access and privacy
Frequently asked questions
No. Capitally never connects to your bank or broker through Plaid, Yodlee, or any other open-banking aggregator — no shared password, no read-only API token, no third party in the data path. Data comes in by CSV or Excel upload, paste from a spreadsheet, or manual entry, with native presets for most major brokers.
That is a precision choice as much as a privacy one, and it means no background auto-sync. Is my data safe? explains both.
Yes. One project holds any number of accounts — personal, company, trust, IRA, ISA, IKE/IKZE — plus the liabilities that finance them, so one net-worth view nets debt against holdings. Every metric works at any level: per account, per filter, or across everything.
When two entities must never appear in the same report, give each its own project — same login, fully isolated data. Projects covers which side of that line an entity belongs on.
TWR judges the strategy, MWR judges your result as an investor. Time-weighted return strips out when you added or withdrew money, which makes it the fair one to compare against a benchmark. Money-weighted return — also called IRR — includes your cashflow timing, so it tells you what the portfolio actually did for you.
Capitally computes both, plus ROI, for every account and for the whole portfolio, and any of them can be discounted by a benchmark for a real or excess return. Calculating returns has the worked examples.
Yes. Capitally is built and operated under GDPR: servers and databases sit in EU data centres, and your portfolio data is end-to-end encrypted on your device with AES-GCM, so we cannot read it even if asked.
Export and permanent deletion are both one-click operations inside the app, with no email or support ticket required. Is my data safe? covers the encryption and hosting model; the Privacy Policy is the full legal text.
All three, and three more besides: FIFO, LIFO, HICO (highest cost first), LOCO (lowest cost first), Manual specific-lot identification, and Average Cost Basis with Asset or Asset+Account pooling. Set the method per project, account, asset or position — the most specific wins — or let a built-in tax preset wire the one its jurisdiction requires.
Cost basis methods has a worked example for each, and covers picking individual lots when you sell.
Yes. Capital-gains figures come from a country-specific tax preset that encodes your jurisdiction's cost-basis convention, holding-period rules and exemption thresholds; presets ship for several countries, and you can clone one or write your own for anywhere else. Cost basis is tracked per tax lot, in the currency of each trade, and the results land in the Taxes Due Report by country and year.