We can't see your financial data and we don't need to
The privacy-first portfolio tracker for people who'd rather hold their own keys to their castle
Most trackers can read your portfolio. Capitally can't.
A privacy-first portfolio tracker built on end-to-end encryption, no third-party aggregators, EU hosting, and one-click data export. Privacy isn't a policy promise — it's enforced at the cryptographic layer, so a breach, subpoena, or curious insider gets ciphertext, not your holdings.
End-to-end encryption
Only you hold the key
Your portfolio is encrypted on your device with a key derived from your password. Capitally's servers — and anyone who breaches them — only see ciphertext. The company cannot access your data even if compelled by authorities.
- Unreadable to us. Period.AES-GCM with a password-derived key, on your device, before anything syncs.
- Breach-proof by design.Keys never leave your device, and the key material itself is non-exportable — not even our own code can read it back.
- Phone, laptop, desktop — same lock.Multi-device sync stays zero-knowledge: encrypted data move between your devices, your plaintext keys don't.
- Pick your trust trade-off.Three encryption modes — User Password, Project Password, or Remote Key — let you balance key isolation against recovery friction.
No third-party aggregators
Your broker password is not needed
No Plaid. No Yodlee. No open-banking aggregator. No shared password, no read-only API token, no third party in the data path. Imports happen via CSV, Excel, paste, or manual entry.
- Zero credentials shared.The Plaid/Yodlee/MX risk class is removed by design — not by policy.
- Cost basis that matches your tax filing.Broker CSVs reach back to day-one and preserve corporate actions, DRIP, and FX conversions that aggregators drop.
- One file, your whole history.Native presets for Interactive Brokers, Degiro, TastyTrade, Schwab, Coinbase, Kraken, XTB, and 20+ more.
- You decide when it updates.No background auto-sync. The right fit if you want privacy and control; not the right fit for a hands-off aggregator dashboard.
Data ownership & portability
Your data is yours to take. Any time.
Walk away with everything in one click — every transaction, cost-basis adjustment, corporate action, dividend, and FX conversion. No "transactions only" carve-out. No support ticket. No negotiation.
- Full export, machine-readable.Every record, in JSON, CSV, or Excel — portable into a spreadsheet, another tracker, or a tax adviser's workflow.
- Your data outlives your subscription.Exports happen on your device before the encryption layer. You keep readable copies even if you cancel.
- Permanent delete means permanent.GDPR right-to-erasure is a single button. Once executed, nothing readable remains — and nothing was ever readable to begin with.
- Reconstructable from primary sources.The source of truth is your broker statements. Capitally is a calculator on top — not the only place your records exist.
What we don't do
Five deliberate absences — each chosen for the value of not having it.
- No financial data on our servers.We don't need it - everything is calculated on your devices.
- No lock-inIt's your data - export it anytime - all of it.
- No marketing pixels in the app.No Meta, Google Ads, LinkedIn, or TikTok pixels inside the authenticated product.
- No third-party trackers or ad tech.Analytics are opt-in, never include investment values or text, and never feed an ad network.
- No data selling. Ever.Subscriptions are the only revenue line. No behavioural sharing, no upsells based on your holdings.
- No "bank-level" or "military-grade" euphemisms.Those describe the same baseline security every web service has used for a decade. We name the actual spec instead.
Compare the trust model, not the feature list
Most trackers have to read your portfolio on their servers to calculate it. "In-transit and at-rest" encryption means they hold the keys. On-device end-to-end encryption (EE2E) means you do. Here's how that lines up against the competitors.
Tracker | Encrypted on device | No aggregator | EU-hosted | No data selling | Full export | Mobile access |
|---|---|---|---|---|---|---|
Capitally | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
❌ | ✅ | n/a | ✅ | ✅ | ❌ | |
❌ | ✅ | ❌ | ✅ | ✅ | ✅ | |
❌ | ✅ | n/a | ✅ | ✅ | ❌ | |
❌ | ❌ | ✅ | ✅ | ❌ | ✅ | |
❌ | ❌ | ✅ | ✅ | ❌ | ✅ | |
❌ | ❌ | ❌ | ✅ | ❌ | ✅ | |
❌ | ❌ | ❌ | ✅ | ❌ | ✅ | |
❌ | ❌ | ❌ | ❌ | ❌ | ✅ |
Capitally is the only commercial tracker with Yes across all six columns.
What are the risks of handling a centralized financial dataset?
Six publicly documented cases — all large, respectable companies with serious security teams, audits, and compliance programs. Breaches happened anyway. Any vendor that holds a centralised, readable copy of your personal and financial data carries that risk on your behalf, no matter how well-defended they are.
- 🐟Robinhood 2026 — phishing attackA social-engineering attack reused emails breached 5 years earlier, to trick users into clicking malicious links.
SecurityWeek - 💸Coinbase 2025 — insider leakBribed support contractors accessed data on roughly 70,000 customers. Attackers used real balances as proof in targeted social-engineering calls.
Bitdefender - 🥶Snowflake 2024 — enterprise data stolenAttackers stole customer data stored on the cloud platform, affecting ~165 organisations — including major banks.
Wikipedia - 💦Zacks 2024 — 12M records leakedA breach at the investment-research firm exposed data of 12 million subscribers — reportedly the third major incident at the company in four years.
BleepingComputer - 🏛️Plaid 2022 — privacy class-actionPlaid agreed to pay $58M to settle privacy class actions over how it accessed bank-account credentials and consumer financial data.
Courthouse News - 🐞Equifax 2017 — 147M records exposedAn unpatched Apache Struts vulnerability exposed the credit records of roughly 147 million people.
Wikipedia
Our zero-knowledge architecture doesn't make breaches impossible.
It makes them uninteresting — there's no plaintext portfolio for anyone to take.
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
Frequently Asked Questions
Yes. Your portfolio is encrypted on your device with AES-256 under a key derived from your password, and the keys never leave your devices — our servers only ever hold ciphertext, so a breached database yields unreadable blobs.
That is the difference between end-to-end encryption and the "bank-level encryption" most trackers advertise, where the provider holds the keys and can read your data. You pick the trade-off per project: User Password, a separate Project Password, or a server-derived Remote Key. Full spec in Is my data safe?
No. Your portfolio is encrypted on your device with a key we never receive, so our engineers, our infrastructure team, and anyone who breaches the database see ciphertext — which is also why a subpoena gets nothing readable.
What we do see is project metadata: the type of each change (transaction created, updated, deleted) and when it happened, which is what sync runs on. Amounts, instruments, account names and your own notes are encrypted before they leave the device. See Is my data safe?
In EU data centres — every Capitally server and database sits in European jurisdiction — and what lands there is ciphertext only. Your portfolio is encrypted on your device with a password-derived AES-GCM key before any sync, so the plaintext exists only in memory on your own browser or device.
The data safety guide lists the hosting providers and the server-side practices on top: TLS in transit, encryption at rest, need-to-know access, access logs.
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.
You can reset it with Forgot your password?, but run it on the device you last used the project on — that is the only place the app can re-encrypt your projects to the new password. If a project has its own Project Password, there is no reset at all: the key is derived from it and our servers hold only ciphertext.
Account and login covers the reset flow, and is my data safe? explains the encryption modes and what to check before concluding the data is gone.
It stays. Your project is kept end-to-end encrypted for at least 6 months after the trial or subscription ends, so resubscribing within that window restores the full history with nothing to rebuild. Permanent deletion is a one-click action inside the app whenever you want it instead.
Either way, export everything to CSV, Excel or JSON before you go, so the full record stays with you regardless.
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.
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, so a database breach yields unreadable blobs. We never connect to your broker or bank either: no Plaid, no Yodlee, no shared credentials.
We don't sell financial data or behavioural patterns, and product analytics never include the size or value of your holdings. The data safety guide has the full encryption model, EU hosting, and one-click export and deletion.
Yes, for structural reasons rather than procedural ones. Your portfolio is end-to-end encrypted on your device with a key derived from your password, so a breach of our servers yields ciphertext; we never link to your broker or bank through Plaid or Yodlee; and every server sits in the EU under GDPR.
The gaps we can't close: a supply-chain attack replacing our own code, and someone reaching your device while you are signed in. Is my data safe? has the encryption spec, retention and export.
No. Server-side AI summaries, recommendations and "insights" need servers that can read your portfolio in plaintext, and ours can't — your data is end-to-end encrypted on your device. The absence is architectural, not a policy we could change tomorrow.
Everything the app computes — cost basis, IRR, TWR, dividend forecasts, options Greeks, tax calculations — runs locally against your decrypted data, so no cloud model ever sees your holdings. See the data safety guide for the encryption model.
See your real returns. Free to start.
- Works great on a desktop or laptop
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- Add to home screen for quick access and privacy
