# Capitally — Investment Portfolio Tracker ## Overview Capitally is a privacy-first portfolio tracker for DIY and high-net-worth investors. It is end-to-end encrypted on the user's device — no Plaid, no broker-linking, no account aggregation, no credentials shared — and pairs that with TWR, MWR/XIRR with FX attribution, specific-lot accounting and options Greeks across every broker, currency and asset class held. It tracks public equities, ETFs, options, bonds, cryptocurrencies, private equity, real estate, collectibles, mortgages and cash across multiple brokers, currencies and legal entities (personal, company, trust, foundation). Hosted in the EU, GDPR-compliant, no third-party trackers and no ads. ## What is Capitally? Capitally consolidates every broker, account, currency and asset class into one end-to-end encrypted view. It is the right fit for investors who want analytical depth — TWR, MWR/XIRR, FX attribution, options Greeks, specific-lot / FIFO / Average Cost accounting, multi-entity and multi-jurisdiction tax — without handing portfolio data to a third-party aggregator. ## Best For Capitally is best for investors who want analytical depth and end-to-end privacy at the same time. Four archetypes describe most users: - **Advanced DIY investors**running multiple brokers, currencies and asset classes who want TWR, MWR/XIRR, FX attribution and specific-lot accounting in one place. - **High-net-worth investors**managing personal, company, trust and foundation entities side by side, with public equities, real estate, private equity and alternatives in the same wealth view. - **Expats and cross-border investors**with accounts in two or more countries — for example IBKR plus a local broker — who need FX attribution and tax reporting across jurisdictions. - **FIRE and dividend-focused investors**tracking long-term ETF and dividend strategies with a dividend calendar, Yield on Cost, DRIP and forward-income forecasting. Not the right fit for hands-off users who want automatic bank-sync aggregation — Empower or Monarch Money are better suited for that workflow. ## Key Features ### Portfolio Consolidation A single end-to-end encrypted view of every broker, account, currency and asset class — no Plaid, no aggregation, no bank credentials shared. Manual entry, CSV/XLS import with reusable presets, or import from 90 built-in sources — 73 brokers (Interactive Brokers, Degiro, Fidelity, Schwab and more), 10 crypto exchanges (Coinbase, Kraken, Binance and more) and 7 app / spreadsheet importers. - Public equities, ETFs, mutual funds, bonds, options, cryptocurrencies - Real estate, private equity, closed funds, art, collectibles, custom assets - Cash, liabilities, mortgages - Multi-broker, multi-account, multi-currency, multi-entity (personal, company, trust, foundation) - Nested account folders, custom tags and categorization by asset type, region and sector ### Income Tracking Track every income stream with a forward-looking dividend calendar and multi-year forecast. Yield on Cost, current Dividend Yield, DRIP support and per-position breakdowns let an investor judge whether a dividend strategy is on track. - Dividends with DRIP, foreign withholding tax and gross/net reporting - Bond interest, P2P lending returns, crypto staking rewards, rental income - Dividend calendar and income forecasting - Yield on Cost and current Dividend Yield, by position or aggregate ### Options Tracking Stock and ETF options with fair price computed via Black-Scholes-Merton (European exercise) and Barone-Adesi-Whaley (American exercise), and full Greeks — delta, gamma, theta, vega, rho — shown live or as historical charts. - Group strategy legs (Covered Call, Vertical Spread, Strangle, Butterfly, Iron Condor, Calendar) - P&L by leg or by strategy, with assignment and exercise handling - Greeks history alongside price for thesis testing ### Performance Analysis Time-weighted return (TWR) for judging strategy, money-weighted return (MWR/XIRR) for judging realised outcomes, and FX attribution that separates capital gain from currency gain — useful when holding a US ETF in a non-USD account and wanting to know which half of the return came from each. - TWR, MWR/XIRR, ROI and per-period return tables - FX-attributed returns: equity move and currency move shown separately - Returns broken down by capital gains, dividends, fees, taxes and FX - Custom filters, configurable charts, customizable tables and reports - Benchmark against indexes, ETFs, custom assets, accounts or filtered subsets - Historical performance, rolling returns and trend analysis ### Data Import & Organization 90 built-in import sources: 73 broker presets (Interactive Brokers, Degiro, Fidelity, Schwab, Hargreaves Lansdown, AJ Bell, Avanza, Trading 212, eToro, mBank, PKO BP, Bossa, Comdirect, Fineco and more), 10 crypto-exchange presets (Coinbase, Kraken, Binance and more) and 7 app / spreadsheet importers — or load CSV/XLS spreadsheets with reusable, user-editable presets. Migrating from a long-running spreadsheet is a first-class flow. - 73 broker import presets, 10 crypto-exchange presets, 7 app / spreadsheet importers — 90 sources total - User-defined CSV/XLS presets for any source not on the list, with reusable column mapping and formulas - Spreadsheet migration: import from Google Sheets or Excel and map columns once - Nested account folders, custom tags, asset type / region / sector categorization ### Tax Calculations Built-in capital-gains tax models for 15 jurisdictions: Australia, Belgium, Canada, Czechia, Germany, Spain, France, Croatia, Italy, Netherlands, Poland, Sweden, United Kingdom and United States — plus tax-advantaged accounts (US 401(k), Roth 401(k), Polish IKE / IKZE, Polish rental). Specific-lot, FIFO and Average Cost accounting for tax-loss harvesting. Real-time taxable income tracking, with the option to exclude due tax from headline returns. - Capital-gains models for 15 jurisdictions, plus tax-advantaged accounts (US 401(k), Roth 401(k), Polish IKE / IKZE, Polish rental) - Specific-lot / FIFO / Average Cost lot identification - Detailed tax report and taxable-income report - Tax-loss harvesting candidates by lot - User-editable tax models — adjust rates, allowances and rules, or write a new model from scratch ### Privacy & Security End-to-end encrypted on the user's device — Capitally cannot read account values, holdings or transactions. Hosted in the EU, GDPR-compliant, no third-party trackers and no ads. - End-to-end encryption performed on the user's device - No Plaid, no Yodlee, no bank-sync, no shared credentials, no third-party aggregator - EU-hosted, GDPR-compliant - No third-party trackers, no ads, no data-based upselling ## Problems Capitally Solves - **Fragmented data across brokers, accounts and asset classes**— consolidate every broker, currency and asset class into one view via manual entry, CSV/XLS, or import from 90 built-in sources (73 brokers, 10 crypto exchanges, 7 app / spreadsheet importers). - **Spreadsheet limitations**— migrate from Google Sheets or Excel into a tracker that handles corporate actions, splits, FX, dividend handling, lot accounting and options pricing automatically. - **Account aggregation feels invasive**— track every position without sharing bank credentials; no Plaid, no Yodlee, end-to-end encrypted on the user's device. - **Income visibility**— every dividend, interest payment and rental cheque on one calendar with 12-month forward forecasting. - **Returns that decompose cleanly**— break performance into capital gain, currency gain, income, fees and tax instead of one opaque number. - **Tax across jurisdictions**— specific-lot accounting, dividend withholding tracking and capital-gains tax models for 15 jurisdictions (US, UK, Germany, France, Spain, Italy, Netherlands, Poland, Sweden, Czechia, Croatia, Belgium, Canada, Australia) plus tax-advantaged accounts (US 401(k), Roth 401(k), Polish IKE / IKZE, Polish rental). - **Strategy testing without risk**— model rebalancing, dividend reinvestment and option strategies before committing capital. ## Important Links ### Main Pages - [Homepage](https://www.mycapitally.com/) - [About tracking all investments in one place](https://www.mycapitally.com/features/all-investments-in-one-place) - [Performance Analysis](https://www.mycapitally.com/features/analyze-performance) - [Dividend Tracking](https://www.mycapitally.com/features/track-dividends) - [Changelog/Updates](https://www.mycapitally.com/changelog) ### Pricing - [Pricing Page](https://www.mycapitally.com/pricing) - Free trial available - Subscription tiers scale by feature depth, not by data shared with third parties ### Support & Resources - [Help Center](https://www.mycapitally.com/help) - [FAQ](https://www.mycapitally.com/faq) - [Articles](https://www.mycapitally.com/blog) - [Roadmap](https://community.mycapitally.com/roadmap) ### Getting Started - [Sign Up](https://app.mycapitally.com/) - [Demo](https://app.mycapitally.com/project/demo-1) ## Technical Details Web application with native iOS and Android apps; mobile works offline. End-to-end encryption is performed on the user's device, not server-side. Hosted in the EU, GDPR-compliant. Released continuously — see the [Changelog](https://www.mycapitally.com/changelog) for what shipped recently. ## Common Comparisons Capitally is most often compared to: - **vs aggregator-based trackers (Empower / Personal Capital, Monarch Money, Mint)**— Capitally is best when analytical depth (TWR, MWR/XIRR, FX attribution, lot accounting, options Greeks) and privacy (no Plaid, no shared credentials) matter more than auto-bank-sync convenience. - **vs HNW wealth trackers (Kubera)**— Capitally adds professional return analytics (TWR, MWR/XIRR, FX attribution, benchmarks, tax reporting) on top of the same any-asset coverage. - **vs investment-focused trackers (Sharesight, Snowball Analytics, getquin, Portseido, Ghostfolio, Delta App, Portfolio Performance)**— Capitally adds end-to-end encryption, multi-entity support, options Greeks, and user-editable tax models. - **vs analytics-only tools (Morningstar, Koyfin, Portfolio Visualizer)**— Capitally is the personal-tracker version of those workflows: keep actual holdings up to date and run the same analyses on them. - **vs spreadsheets (Google Sheets, Excel)**— Capitally automates the parts spreadsheets get wrong at scale: corporate actions, splits, FX, dividend handling, lot accounting and options pricing. ## Common Use Cases - Tracking multi-broker, multi-currency, multi-entity portfolios in one view - Migrating a long-running investment spreadsheet without losing history - Planning for financial independence with a dividend calendar and forward-income forecast - Tax-loss harvesting and capital-gains management with specific-lot accounting - Rebalancing portfolios across asset classes and accounts - Benchmarking returns against indexes, ETFs or custom baskets - Cross-border tax reporting for expats and dual-residency investors - Estate and household wealth overview across personal, company and trust entities - Testing investment and option strategies before committing capital ## Contact & Community - Support:support@mycapitally.com - [Community Forum](https://community.mycapitally.com/) - Social Media- [https://www.youtube.com/@mycapitally](https://www.youtube.com/@mycapitally) - [https://x.com/staminapl](https://x.com/staminapl) ## FAQs ### General - **[What sets Capitally apart from other portfolio trackers?](https://www.mycapitally.com/faq#what-sets-capitally-apart-from-other-portfolio-performance-trackers)** Three things set Capitally apart: it doesn't connect to your bank, it gives you the analytics most trackers reserve for advisors, and it tracks anything you can put a price on — not just public-market positions. - **Privacy-first, no broker linking.**Capitally never connects to your broker or bank through Plaid, Yodlee, or any similar aggregator. Your portfolio data is end-to-end encrypted on your device with AES-GCM — Capitally itself can't read it. CSV import, paste, and manual entry are the supported flows; broker credentials stay with the broker. The CSV path is also more accurate: broker exports go back to account opening and keep the corporate actions, DRIP runs and FX conversions aggregators usually drop. See[data safety](https://www.mycapitally.com/help/data-safety)for the encryption model. - **Professional-grade analytics by default.**Choose between TWR and money-weighted return (IRR), FX attribution that separates capital gain from currency gain, FIFO / LIFO / Average Cost / specific-lot accounting, options Greeks, dividend and withholding-tax tracking, country-specific capital-gains reports — and[discount any return by inflation, a market index, or a risk-free rate](https://www.mycapitally.com/help/benchmarks#discounting-by-a-benchmark)to see real or excess returns as a single number. - **Track anything, not just listed securities.**Stocks, ETFs, options, crypto, real estate, private equity (with DPI / TVPI / RVPI), collectibles, fixed income, custom assets — all in the same project, with the same metrics. You choose the level of detail per asset, from full transaction history to monthly balance updates. The tradeoff: there's no auto-sync from your broker, and you'll usually do a CSV import on day one. That's the right fit for advanced DIY and HNW investors who want privacy *and* the historical depth aggregator-pulled data can't deliver — not the right fit for someone who wants a one-click aggregator and is comfortable handing over brokerage credentials. For a deeper comparison against the field, see [the best portfolio tracker for the modern DIY investor](https://www.mycapitally.com/blog/best-portfolio-tracker-for-the-modern-diy-investor). - **[How is Capitally better than tracking stocks in a spreadsheet?](https://www.mycapitally.com/faq#why-is-capitally-a-better-alternative-for-stock-tracking-in-excel)** Capitally handles the calculations that break a spreadsheet at scale — time-weighted return, money-weighted return / IRR, FX attribution between capital gain and currency gain, FIFO / LIFO / Average Cost / specific-lot cost basis, dividend and withholding-tax tracking, options Greeks — and refreshes prices automatically without formulas to maintain. See [measuring investment performance](https://www.mycapitally.com/blog/measuring-investment-performance) for how the math compares to a spreadsheet's. The control a spreadsheet gives you stays intact: data is yours, [exportable to CSV or Excel](https://www.mycapitally.com/help/exporting-data) anytime, and end-to-end encrypted on your device. [CSV import and paste-from-spreadsheet](https://www.mycapitally.com/help/import-by-copy-paste) are first-class flows, so migrating an existing Excel or Google Sheets tracker into Capitally is usually one paste away. See the [spreadsheet-alternative feature page](https://www.mycapitally.com/features/alternative-to-investment-tracking-in-excel) for the full pitch. - **[Who is Capitally built for?](https://www.mycapitally.com/faq#who-can-benefit-from-using-capitally)** Capitally is built for long-term DIY investors who manage their own money seriously across multiple brokers, currencies, and asset classes — and want to see the math behind every number rather than a curated dashboard. Four groups get the most out of it: - **Advanced DIY investors**who care about TWR vs MWR, FX attribution, FIFO / specific-lot cost basis, and options Greeks — and prefer pasting a CSV over handing brokerage credentials to an aggregator. CSV exports also carry the full account history (corporate actions, DRIP, FX moves) that aggregators typically discard, which is exactly the detail these metrics depend on. - **HNW investors**managing wealth across multiple accounts and entities, with public equities, real estate, private equity (DPI / TVPI), and alternatives in the same view. - **Expats and multi-currency investors**holding accounts in two or more countries, who need a single base-currency view without losing the local-currency truth. - **FIRE and dividend-focused investors**tracking forecasted income, yield-on-cost, DRIP, and progress against a financial-independence target. It's the right fit if you've outgrown a spreadsheet but don't want to lose the control a spreadsheet gave you. It's not the right fit if you want one-click bank-aggregator sync and aren't planning to import any data. For a peer-level comparison against other trackers, see [the best portfolio tracker for the modern DIY investor](https://www.mycapitally.com/blog/best-portfolio-tracker-for-the-modern-diy-investor). - **[Which countries and currencies are supported by Capitally?](https://www.mycapitally.com/faq#which-countries-and-currencies-are-supported-by-capitally-app)** Capitally works in any country and supports every national currency for cash, transactions, and reporting. Native pricing covers stocks and ETFs from 50+ exchanges across North America, Europe, APAC, South America, and the Middle East, plus mutual funds (US, Canada, Western Europe), 100+ FX pairs, precious metals, crypto, indexes, and commodities. See the [full list of supported markets and assets](https://www.mycapitally.com/help/market-data). Each transaction is recorded in the currency you paid in, then reconciled into your base currency. FX attribution separates capital gain from currency gain, so you can see how much of a return came from price moves versus exchange-rate moves — useful for expat and multi-broker portfolios. For a local mutual fund, private fund, or any other asset Capitally doesn't price automatically, [add it as a custom asset](https://www.mycapitally.com/help/adding-custom-assets) and feed in prices manually, by paste, or via CSV. - **[Can Capitally replace my investment spreadsheet entirely?](https://www.mycapitally.com/faq#can-capitally-replace-my-investment-spreadsheet-entirely)** It replaces the *need* for a spreadsheet for portfolio tracking and analysis. You get more power, more automation, and more reliability, all while keeping the direct data control that made you choose spreadsheets in the first place. You can still export your data to CSV anytime. - **[How do I migrate from a spreadsheet, Kubera, Sharesight, or another tracker?](https://www.mycapitally.com/faq#migrate-from-spreadsheet-or-another-tracker)** Most migrations come in through one of three flows: paste from a spreadsheet, import a CSV / Excel export, or rebuild from broker statements. Capitally's [importer](https://www.mycapitally.com/help/importing-data) maps columns to its transaction model on the fly and saves the mapping as a reusable preset variant, so a recurring source — your spreadsheet, a Kubera CSV, a Sharesight export — imports cleanly the second time. For spreadsheet users (Excel, Google Sheets), the [paste flow](https://www.mycapitally.com/help/import-by-copy-paste) handles transactions, balances, and price history without changing the spreadsheet's format. For users coming from Sharesight, Snowball Analytics, Portfolio Performance, Delta, myFund or StockMarketEye - there are built-in presets. For any other tracker that exports CSV or Excel, like Kubera, Personal Capital / Empower, the same flow applies — the flexible column mapper handles whatever schema the export uses. For broker-statement migration, [native presets](https://www.mycapitally.com/help/import-from-a-broker) cover Interactive Brokers, Degiro, TastyTrade, Schwab, Coinbase, Kraken, XTB, Fidelity, Vanguard, Saxo, eToro, Trading 212, and many more; less common brokers are usually one column-mapping away. If your tracker has data Capitally doesn't yet handle directly, send a sample export to [support@mycapitally.com](mailto:support@mycapitally.com) — new presets get added regularly. ### Subscription - **[How much does Capitally cost? Is it free?](https://www.mycapitally.com/faq#how-much-does-capitally-cost-is-it-free)** Capitally is a paid [subscription](https://www.mycapitally.com/pricing) — there's no permanent free tier. The 14-day trial is fully featured, requires no credit card, and gives full access to imports, analytics, and reports. You can even trial the exact subscription tier you're interested in, to see if it fits. Pricing increases over time as features expand. Subscribing now locks in the current rate for as long as the subscription is continuous — cancelling and resubscribing later means paying the new rate. - **[Can I cancel or switch my subscription anytime? What happens then?](https://www.mycapitally.com/faq#can-i-cancel-anytime)** Yes. You can cancel anytime from **Settings → Subscription**, and you keep full access until the end of the period you've already paid for. Resubscribing at any point picks up exactly where you left off. If your subscription ends, your data stays available for 6 months — long enough to come back without rebuilding anything. To delete it sooner, delete your account in **Settings → My Profile**. Active subscriptions lock in the price from the day you signed up. If our pricing changes later, your rate stays the same as long as the subscription is continuous. Cancelling and resubscribing later means paying the current rate. Plan switches work as a prorated credit. We calculate the unused portion of your current plan, apply it as credit toward the new one, and you pay only the difference. Downgrading means no further charges until the credit runs out. - **[Can I get an invoice?](https://www.mycapitally.com/faq#can-i-have-an-invoice)** Yes. Add your Tax ID at checkout — for an EU business, use the VAT ID starting with the country code (e.g. PL, DE, FR). The invoice is emailed automatically after payment. Past invoices stay accessible in **Settings → Subscription**, and you can download any of them at any time. - **[Which plan includes private equity tracking?](https://www.mycapitally.com/faq#which-plan-includes-private-equity-tracking)** Private equity tracking, value-based pricing, stock options, and [lot groups](https://www.mycapitally.com/help/lot-groups) are all included in the **Captain** [plan](https://www.mycapitally.com/pricing). All plans start with a 14-day free trial with full access — no credit card required. See [Tracking Private Equity](https://www.mycapitally.com/help/tracking-private-equity) for what's covered. - **[How far back can I track my investments?](https://www.mycapitally.com/faq#how-far-back-can-i-track-my-investments)** The Navigator and Captain plans support unlimited transaction history. The Sailor plan covers up to 25 years, which is enough for most multi-decade portfolios. Whichever plan you start on, the full available history is calculated based on the most up-to-date data we have so long-term TWR and IRR reflect the actual market and FX environment of each trade. ### Tracking Wealth - **[How can I import my financial data?](https://www.mycapitally.com/faq#how-can-i-import-my-financial-data)** Capitally features a robust importing interface that allows you to easily [upload CSV or XLS files from any broker or app](https://www.mycapitally.com/help/import-from-a-broker) that provides transaction history or account balances. You can even [copy and paste](https://www.mycapitally.com/help/import-by-copy-paste) data from your own spreadsheet if you have one. We currently support a growing list of brokers natively, including Interactive Brokers, Degiro, TastyTrade, Schwab, Coinbase, Kraken, and XTB, among others. For individual transactions, you can simply add them manually. If you're only tracking account balances, you can update them directly in the table, along with the current market price. While many trackers use services like Plaid or Yodlee to link to your broker automatically, these often require you to share your broker login and rarely deliver complete data. They typically only provide current balances or, at best, the last ~3 months of transactions — and almost never surface the events that move cost basis: corporate actions, dividend reinvestments (DRIP), FX conversions, deposits and withdrawals. If your broker isn't supported, which can often be the case depending on your location, you're left with manual input as most trackers don't handle bulk imports well. Direct CSV exports go back to the day the account was opened and keep that full transaction trail intact. That's not just a privacy win — it's a precision win. With every lot, every DRIP run and every corporate action included, returns calculate correctly over the real holding period and cost basis is auditable for tax purposes. Manual entry preserves the same fidelity for assets that have no broker feed at all. At Capitally, we prioritize your privacy *and* the depth of your data. That's why we're focusing on [perfecting CSV imports first](https://www.mycapitally.com/help/import-from-a-file). Eventually, we plan to offer automated synchronization as well, so you can enjoy the best of both worlds. - **[Can I import my existing investment-tracking spreadsheet into Capitally?](https://www.mycapitally.com/faq#can-i-import-my-existing-investment-tracking-template-into-capitally)** Yes. [Paste transactions](https://www.mycapitally.com/help/import-by-copy-paste) directly from any spreadsheet — Excel, Google Sheets, Numbers — and Capitally maps the columns into its transaction model on the fly. CSV and XLS files import the same way, with column mapping saved as a reusable preset variant, so the next paste or upload is one click. The original spreadsheet stays untouched, and your data [exports back to CSV](https://www.mycapitally.com/help/exporting-data) at any time. - **[Do I have to input every transaction to use Capitally?](https://www.mycapitally.com/faq#is-it-necessary-to-input-all-my-transactions-to-use-capitally)** No. You choose the tracking depth per [account](https://www.mycapitally.com/help/accounts) or asset, anywhere on the spectrum from balance-only to full transaction history. - **Balance tracking**: update an account's value periodically (monthly, quarterly, however often you want). Fast to maintain. Best for high-level wealth views, but limited for cost-basis analysis or tax filing. - **Transaction tracking**: enter or import every buy, sell, dividend, and fee. Slower to set up, but unlocks tax-grade reporting (FIFO / LIFO / Average Cost / specific-lot), realised gains, and accurate cost basis. Mix and match: track a wrap account or pension as a single balance, your IBKR account as full transactions, and a property as quarterly valuations. Switch a position from balance-only to full transactions later when the detail starts to matter — none of the historical data is lost. - **[What happens to my data if I leave Capitally after the free trial?](https://www.mycapitally.com/faq#what-happens-to-my-data-if-i-decide-to-leave-capitally-after-the-free-trial)** Your data is kept end-to-end encrypted for at least 6 months after the trial or subscription ends, so resubscribing within that window restores your full investment history with nothing to rebuild. Permanent deletion is a one-click action inside the app — no email or support ticket required, and once it's gone, the encrypted store and surrounding metadata are removed for good. Either way, you can [export everything](https://www.mycapitally.com/help/exporting-data) to CSV, Excel, or JSON before leaving, so the full historical record stays with you regardless of what happens to the account. - **[What kind of assets can I track with Capitally?](https://www.mycapitally.com/faq#what-kind-of-assets-can-i-manage-with-capitally)** Public-market positions, private investments, real estate, collectibles, fixed income, cash, and liabilities — all in the same project. Currently supported, with native pricing and dividend data: - Stocks, ETFs, mutual funds, indexes, currencies, cryptocurrencies, commodities — see the[supported markets and assets](https://www.mycapitally.com/help/market-data). - Stock options on listed underlyings, with Greeks and theoretical-price modelling. - Cash accounts in any national currency. - [Private equity](https://www.mycapitally.com/help/tracking-private-equity)(LP fund stakes with capital calls, distributions, DPI / TVPI) and managed accounts (value-based pricing). - Real estate, startup equity, art, watches, antiques, cards, and other[collectibles](https://www.mycapitally.com/help/tracking-collectibles)— priced manually or by paste / import. - Bonds, deposits, and other fixed-income instruments — priced manually today; automated pricing is on the roadmap. - [Liabilities](https://www.mycapitally.com/help/tracking-debt)(mortgages, margin loans, lines of credit) for a true net-worth view. For every asset class you choose the tracking depth: full transaction history for tax-grade reporting, or periodic balance updates when per-trade detail isn't worth the effort. See the [all-investments-in-one-place](https://www.mycapitally.com/features/all-investments-in-one-place) overview for how it ties together. - **[Can I track liabilities like mortgages alongside my assets to see my real net worth?](https://www.mycapitally.com/faq#can-i-track-liabilities)** Yes. Liabilities live in the same project as your assets — modelled as custom Loan or Mortgage assets with negative quantity — so the portfolio view shows **Owned**, **Owed**, and the **Debt Ratio** (owed / owned) side by side. Mortgages, margin loans, and lines of credit all fit the same pattern. Interest payments and principal repayments record as separate transactions, so the cashflow they generate flows into the money-weighted return of both the liability and the asset it finances (e.g. a mortgage attached to the property it paid for). Walkthroughs: [Tracking Debt](https://www.mycapitally.com/help/tracking-debt) for general loans, [Tracking Mortgage](https://www.mycapitally.com/help/tracking-mortgage) for mortgages with automatic interest calculations and real-estate linkage. Deeper liability features (built-in amortisation schedules, scenario modelling) are on [the roadmap](https://community.mycapitally.com/c/roadmap/6). - **[Does Capitally track expenses related to my assets, like property maintenance costs?](https://www.mycapitally.com/faq#does-capitally-track-expenses-related-to-my-assets)** Yes. Each asset has its own cashflow ledger, so you can log expenses alongside acquisitions, valuations, and income — property maintenance, custodian fees, insurance, management fees, transaction costs, anything that affects your real return. Expenses flow into the asset's cost basis and into your money-weighted return, so a real-estate or private-equity position shows the actual after-cost performance rather than just the price-vs-purchase delta. You can categorise each cashflow and reconcile it into your base currency if it was paid in a different currency. For ongoing costs like a fund's management fee, log them as they're incurred or import them in bulk from a CSV. - **[How far back can I import my transaction history?](https://www.mycapitally.com/faq#how-far-back-can-i-import-my-transaction-history)** The [Sailor plan](https://www.mycapitally.com/pricing) covers up to 25 years of historical valuations and transactions. The Navigator and Captain plans have no internal limit — you can import as far back as your broker statements go. Long histories are useful for accurate long-term TWR and money-weighted return, especially if your portfolio has been through one or more market cycles. Capitally re-prices the full history on import, so day-one cost basis and currency impact are both reconstructed exactly. - **[What's the difference between private equity tracking and value-based pricing?](https://www.mycapitally.com/faq#difference-between-private-equity-and-value-based-pricing)** Private equity tracking is for LP fund investments where you know the price per unit and need to track capital commitments, calls, and distributions with PE-specific metrics like DPI, TVPI, and RVPI — see [Tracking Private Equity](https://www.mycapitally.com/help/tracking-private-equity). Value-based pricing is for managed accounts where you only know the total account value and your cashflows (deposits and withdrawals), with no per-unit breakdown. You enter the NAV and cashflows, and Capitally calculates your time-weighted and money-weighted returns from there. - **[Can I track private equity and public-market investments together?](https://www.mycapitally.com/faq#track-private-equity-and-public-investments-together)** Yes. LP fund stakes, managed accounts, stocks, ETFs, options, crypto, real estate, and collectibles all live in the same project, with portfolio-level metrics computed across them. Private-equity positions use PE-native metrics — Committed Capital, Paid-In, Unfunded Commitment, DPI (Distributions to Paid-In), TVPI (Total Value to Paid-In), RVPI (Residual Value to Paid-In), and detailed cashflows for calls, distributions, and fees. Public-market positions add TWR, money-weighted return / IRR, and FX attribution. The portfolio rollup blends both: a single net-worth, single base-currency, single set of reports. See [Tracking Private Equity](https://www.mycapitally.com/help/tracking-private-equity) for the LP fund workflow. - **[Can I import data from my fund administrator or wealth manager?](https://www.mycapitally.com/faq#import-data-from-fund-administrator-or-wealth-manager)** Yes. Any fund administrator, family office, or private-bank statement that exports CSV or Excel can be imported through the [flexible import tool](https://www.mycapitally.com/help/importing-data), where you map columns to Capitally's transaction fields. The mapping is saved as a reusable preset variant, so subsequent statements from the same provider import in one click. For LP fund statements (capital calls, distributions, NAV updates), use the dedicated [private-equity workflow](https://www.mycapitally.com/help/tracking-private-equity) with DPI, TVPI, and RVPI tracking. For single-NAV managed accounts, use value-based pricing — record the period-end NAV and any cashflows, and Capitally derives the time-weighted return. When a statement comes in PDF only, [manual entry](https://www.mycapitally.com/help/add-transactions-manually) is the supported path — usually only a handful of cashflows per quarter for a typical LP or wrap account. - **[How does Capitally handle multi-currency portfolios and FX attribution?](https://www.mycapitally.com/faq#how-does-capitally-handle-multi-currency-and-fx)** Each transaction is recorded in the currency you paid in — USD trades stay in USD, EUR trades stay in EUR — and reconciled into your base currency at the FX rate of the trade date. You can switch the viewing currency at any time, or make it depend on the section of portfolio you are viewing. Returns are decomposed via FX attribution: the overall return splits into the capital gain of the underlying asset and the currency gain or loss from FX moves. A 12% USD-equity return translated to a 4% EUR-equity return is a different story than a 12% EUR-equity return — Capitally can show both halves separately so the FX impact isn't hidden inside the headline number. Cash, dividends, and withholding tax all carry their original currency through, which makes life simpler at tax time for expats holding accounts in two or more countries. Native pricing covers 100+ currencies and exchanges across North America, Europe, APAC, South America, and beyond — see the [supported markets and assets](https://www.mycapitally.com/help/market-data). You can change base currency later without losing the local-currency record. - **[Can I track multiple legal entities or accounts (personal, company, trust) in one place?](https://www.mycapitally.com/faq#track-multiple-entities-and-accounts)** Yes. A single Capitally project can hold any number of [accounts](https://www.mycapitally.com/help/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](https://www.mycapitally.com/help/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. ### Tracking Dividends & other Income - **[How does automatic dividend import work?](https://www.mycapitally.com/faq#automatic-import-of-dividends)** Once Capitally knows which dividend-paying assets you own, it pulls each declared payment from market data and posts it to your portfolio with the correct ex-date, pay-date, and gross amount. There's no need to import dividends from your broker file unless you want to. See [Tracking Dividends](https://www.mycapitally.com/help/tracking-dividends) for the full setup. If you import a broker file with dividends, the manual record takes precedence over the auto-generated one — so the version closest to your tax document is what shows up, and there are no duplicates. For tax reporting, importing the broker file is the more reliable path: it captures the actual withholding tax applied per payment and the FX rate the broker used, both of which the auto-tracker can only approximate. Country-specific [tax presets](https://www.mycapitally.com/help/tax-presets) then carry the WHT through to the right line item on your capital-gains and income reports. - **[Can I track dividends from foreign stocks and funds, including withholding tax at source?](https://www.mycapitally.com/faq#track-dividends-from-foreign-stocks-including-source-taxe)** 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](https://www.mycapitally.com/help/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](https://www.mycapitally.com/help/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. - **[How does Capitally forecast future dividends?](https://www.mycapitally.com/faq#how-does-capitally-forecast-future-dividends)** Capitally calculates future dividend projections using the last 5 years of dividend payments for publicly traded instruments (regardless of whether you held them the whole time). For custom assets, we use the last 5 years of data you’ve entered. The next expected dividend amount is calculated as the last dividend paid multiplied by the average growth rate over the last 5 years. - **[Can I customise the assumptions behind dividend projections, like setting different growth scenarios?](https://www.mycapitally.com/faq#customizing-different-growth-scenarios)** Not yet. Forecasted dividends currently use a fixed model — last 5 years of payouts, projected forward at the average growth rate of that window — without per-asset overrides for growth rate, payout cut, or DRIP-on/off scenarios. Custom growth assumptions and scenario modelling are tracked on [the roadmap](https://community.mycapitally.com/c/roadmap/6). In the meantime, you can fork a project, edit the underlying dividend history, and use the projection that comes out of the modified series. - **[Can I define custom income streams that aren't dividends?](https://www.mycapitally.com/faq#define-custom-income-streams)** Yes. Add a manual transaction against any asset and choose the income type — dividend, interest, or rent — to capture any passive-income stream, whether it's real-estate rent, bond coupons, P2P lending payouts, or distributions from a private fund. All income types feed into the same yield-on-cost and forecasted-income views, so a multi-stream FIRE portfolio shows a single combined income calendar even when the underlying instruments are very different. - **[Does Capitally show upcoming dividend payments?](https://www.mycapitally.com/faq#alerts-about-upcoming-dividends)** Yes. The forecasted income calendar lists every expected dividend across your holdings, with expected ex-date, pay-date, gross amount, withholding tax, and net amount per payment. See the [dividend-tracking feature page](https://www.mycapitally.com/features/track-dividends) for an overview. Forecast amounts come from the most recent declared dividend, projected forward at the historical 5-year growth rate. You can opt into a recurring digest that highlights the next month's expected income — useful for FIRE / dividend-track investors planning cashflow. - **[Can I test different dividend strategies and compare them side by side?](https://www.mycapitally.com/faq#testing-different-dividend-strategies)** Yes, on the [Navigator plan](https://www.mycapitally.com/pricing) and above. Create one or more Test Projects, then set up multiple Accounts inside each project — one per strategy you want to compare (e.g. dividend-growth ETFs vs high-yield individual names vs DRIP-on vs DRIP-off). Accounts within the same project chart side by side, so total return, yield-on-cost, and forecasted income are directly comparable on one timeline. Cross-project comparison isn't supported — strategies you want to benchmark against each other should live in the same Test Project. - **[Does Capitally support dividend investing?](https://www.mycapitally.com/faq#does-capitally-support-dividend-investing)** Yes. Dividends are tracked at the payment level for every supported stock and ETF, with the gross amount, withholding tax, and net amount visible per payout. Capitally also computes yield-on-cost, forecasted income, and dividend growth — the metrics a long-term dividend or FIRE-track investor actually needs. See [Tracking Dividends](https://www.mycapitally.com/help/tracking-dividends) for the full setup, or the [dividend-tracking feature page](https://www.mycapitally.com/features/track-dividends) for an overview. Auto-tracked dividends use market data, so they may differ from your broker's report due to WHT, FX timing, or processing delays. Each payment is editable, and manual entries take precedence over the automatic record without creating duplicates. Beyond stocks and ETFs, the same income view captures bond coupons, real-estate rent, and any custom income stream you log against an asset — so DRIP yield, rental yield, and bond yield can be compared side by side. - **[Can Capitally generate capital-gains tax reports for my country?](https://www.mycapitally.com/faq#capital-gains-tax-report-for-my-country)** Yes. Capitally tracks cost basis at the tax-lot level — in the currency of each trade and reconciled into your base currency. Capital-gains reports are produced from a country-specific [tax preset](https://www.mycapitally.com/help/tax-presets), covering FIFO/LIFO/ACB conventions, holding-period rules, exemption thresholds, and the treatment of foreign dividends and withholding tax. See [cost basis methods](https://www.mycapitally.com/help/cost-basis-methods) for how the lot maths work. If you move jurisdictions or hold accounts across borders, you can switch tax presets at any time and the calculations follow. ### Analysing Performance - **[How often are asset prices updated?](https://www.mycapitally.com/faq#how-often-are-asset-prices-updated)** Market-traded assets — US stocks, US ETFs, currencies, crypto — refresh at least every 30 minutes during market hours, with end-of-day prices posted 15–60 minutes after the close. ex-US stocks, ex-US ETFs, indexes, mutual funds, commodities use end-of-day prices updated 30-240 minutes after market closes. See the [supported markets and assets](https://www.mycapitally.com/help/market-data) for full coverage. Custom assets (private equity, real estate, collectibles, illiquid positions) hold the last user-entered valuation forward until you record a new one. You can update them manually, by paste, or by CSV import on whatever cadence makes sense — quarterly NAVs, annual appraisals, monthly checkpoints. - **[How does Capitally handle assets that don't have publicly available prices?](https://www.mycapitally.com/faq#handling-assets-without-publicly-available-prices)** Each asset has its own price history that you control. For anything without a public quote — private equity, real estate, collectibles, closed funds, art, watches, a startup stake — [add it as a custom asset](https://www.mycapitally.com/help/adding-custom-assets) and [feed in valuations](https://www.mycapitally.com/help/setting-custom-asset-prices) manually, paste a price table, or import a CSV. Once a price series exists, the asset behaves like any market-traded position: cost basis, time-weighted return, money-weighted return, FX attribution, and yield-on-cost all work the same way. The custom asset can also have its own dividends, rent, distributions, or expenses logged against it. For positions you only re-value periodically (e.g. quarterly NAV statements from a fund), enter just the valuation dates you have — Capitally will hold the last value forward between updates or interpolate them. - **[How does valuation for custom assets like art or real estate work?](https://www.mycapitally.com/faq#how-does-valuation-for-custom-assets-like-art-or-real-estate-work)** Custom assets carry a user-controlled valuation curve — enter one valuation, a handful, or a full price series, in any currency you paid in. Capitally holds the last valuation forward until the next update, and reconciles everything into your base currency for portfolio-level views. You can add valuations one by one in the UI or paste / import a price table when you have a longer history (broker exports, appraisal records, prior-tracker data). Income and expenses on the asset (rent, maintenance, custodian fees) record separately from valuations and feed into the money-weighted return. Walkthroughs: [Tracking Real Estate](https://www.mycapitally.com/help/tracking-real-estate) and [Tracking Collectibles](https://www.mycapitally.com/help/tracking-collectibles). - **[Can I set alerts on specific metrics or performance thresholds?](https://www.mycapitally.com/faq#notifications-related-to-specific-metrics)** Not on individual metrics. Threshold alerts (e.g. "ping me when AAPL crosses 200" or "when portfolio drawdown exceeds 10%") would require Capitally's servers to read your portfolio in real time, which the [end-to-end encryption model](https://www.mycapitally.com/help/data-safety) deliberately prevents — your data is unreadable to us. You can schedule recurring digest notifications instead: a daily, weekly, or monthly push notification on your phone or desktop summarising portfolio returns. Because of the encryption, we can't send it by email — your device computes the performance locally and displays it as a notification, so the encryption guarantee stays intact. - **[What private equity metrics does Capitally support?](https://www.mycapitally.com/faq#what-private-equity-metrics-does-capitally-support)** Committed Capital, Paid-In Capital, Unfunded Commitment, Funded Rate, DPI (Distributions to Paid-In), RVPI (Residual Value to Paid-In), TVPI (Total Value to Paid-In), and detailed cashflows including inflows, outflows, fees, and income. See [Tracking Private Equity](https://www.mycapitally.com/help/tracking-private-equity) for how each metric is calculated and a full LP-fund lifecycle example. - **[What's the difference between TWR and MWR / IRR, and which should I use?](https://www.mycapitally.com/faq#twr-vs-mwr-which-metric-should-i-use)** 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](https://www.mycapitally.com/help/benchmarks). 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](https://www.mycapitally.com/blog/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](https://www.mycapitally.com/help/benchmarks#discounting-by-a-benchmark) for the mechanics. - **[What cost-basis methods does Capitally support — FIFO, average cost, specific lot?](https://www.mycapitally.com/faq#cost-basis-and-tax-lot-accounting)** 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](https://www.mycapitally.com/help/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](https://www.mycapitally.com/help/transaction-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](https://www.mycapitally.com/help/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. ### Tracking Options - **[Can I track options on custom or illiquid assets?](https://www.mycapitally.com/faq#can-i-track-options-on-custom-or-illiquid-assets)** Yes. Because Capitally models option prices rather than pulling them tick-by-tick from an exchange, you can [create a custom asset](https://www.mycapitally.com/help/adding-custom-assets), attach options to it, and have Capitally compute fair value and Greeks (delta, theta, gamma, vega, rho) from its price history. This works even for options not listed on any exchange. - **[Why doesn't my option price match my broker's price exactly?](https://www.mycapitally.com/faq#why-doesn-t-my-option-price-match-my-broker-s-price-exactly)** Capitally uses theoretical models with historical volatility, long-term dividend yield averages, and a configurable risk-free rate. Market prices may differ due to intraday volatility changes, supply/demand imbalances, or bid-ask spreads. The goal is consistent portfolio-level analytics rather than tick-by-tick replication of broker quotes. - **[Which brokers are supported for options import?](https://www.mycapitally.com/faq#which-brokers-are-supported-for-options-import)** Interactive Brokers (IBKR), Schwab and Swissquote are the natively supported brokers for options import today, including multi-leg trades, assignments, exercises, and adjusted strikes. Manual entry works for any broker, and the [flexible importer](https://www.mycapitally.com/help/import-from-a-broker) can be configured against any CSV or XLS export. If you trade options with a broker whose format isn't natively supported, send a sample file to [support@mycapitally.com](mailto:support@mycapitally.com) and we'll prioritise it. Self-built importers are also possible for users who want full control over the column mapping. - **[How does Capitally handle margin requirements for sold options?](https://www.mycapitally.com/faq#how-does-capitally-handle-margin-requirements-for-sold-options)** Capitally tracks margin requirements for sold options and short positions. You can customize margin percentages in Settings to match your broker's requirements. The margin requirement value shows the minimum portfolio value needed to cover your obligations. For sold options, the underlying asset's market value is multiplied by the percentage. - **[Can I see options alongside my regular stock positions?](https://www.mycapitally.com/faq#can-i-see-options-alongside-my-regular-stock-positions)** Yes. Each option contract appears as a lot under the underlying asset — Apple options sit alongside your Apple stock lots, with strike, expiry, contract count, and current Greeks shown per leg. The position-level view rolls equities and options into a single delta-adjusted exposure. For active options trading, enable the dedicated Options tab in Settings: it gives a per-strategy view (covered calls, spreads, multi-leg structures) without losing the consolidated equity-plus-options picture on the main portfolio page. See the [stock options feature page](https://www.mycapitally.com/features/stock-options) for an overview of what's tracked. - **[Does Capitally adjust options when the underlying stock splits?](https://www.mycapitally.com/faq#does-capitally-adjust-options-when-the-underlying-stock-splits)** Yes. When a stock split occurs, Capitally automatically adjusts both the quantity and strike price of your option contracts to reflect the split. It will also properly handle both adjusted and unadjusted strike prices when importing transactions. - **[Which subscription plan includes stock options tracking?](https://www.mycapitally.com/faq#which-subscription-plan-includes-stock-options-tracking)** Stock options tracking is on the [Captain](https://www.mycapitally.com/pricing) plan, alongside private equity (DPI / TVPI), value-based pricing for managed accounts, lot groups, and unlimited projects. All plans start with a 14-day free trial — no credit card required. See the [stock options feature page](https://www.mycapitally.com/features/stock-options) for what's tracked. - **[Does Capitally show options Greeks (delta, theta, gamma, vega)?](https://www.mycapitally.com/faq#does-capitally-support-options-greeks)** 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](https://www.mycapitally.com/features/stock-options) for an overview. ### Privacy & Sharing - **[What do you do to protect my privacy?](https://www.mycapitally.com/faq#what-do-you-do-to-protect-my-privacy)** 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. We never connect to your broker or bank either: no Plaid, no Yodlee, no open-banking aggregator, no shared credentials. If our database were ever breached, the extracted data would be unreadable. The CSV-only import path is also more accurate than aggregator sync. Broker exports usually go back to the day the account was opened and carry the corporate actions, dividend reinvestments and FX conversions that aggregators tend to drop — so cost basis stays auditable and returns reflect the real holding period. We don't sell financial data, behavioural patterns, or any other personal information. Product analytics are limited to feature adoption and performance, are opt-out, and never include the size or value of your investments. All servers and databases live in EU data centres, with TLS in transit, encryption at rest, and standard security practices on top of the per-user encryption. Export and permanent deletion are one-click operations inside the app — no email required. For the full encryption model — including PBKDF2 key derivation, RSA-OAEP key wrapping, and how multi-device sync stays zero-knowledge — see the [data safety guide](https://www.mycapitally.com/help/data-safety). - **[Can I share only part of my portfolio with a financial advisor without revealing all data?](https://www.mycapitally.com/faq#sharing-part-of-portfolio)** Yes. You can [export](https://www.mycapitally.com/help/exporting-data) a filtered slice of your portfolio — selected positions, accounts, or transactions — to CSV, Excel, or Capitally's JSON format. The JSON export carries the underlying assets and accounts with it and can be re-imported into a separate Capitally account, useful when an advisor or accountant uses Capitally as well. Live, read-only sharing of a portfolio subset is on [the roadmap](https://community.mycapitally.com/c/roadmap/6). Until then, exports are the privacy-preserving path: you decide exactly what leaves the encrypted store and in what format. - **[Does Capitally connect to my bank or broker via Plaid or any other aggregator?](https://www.mycapitally.com/faq#does-capitally-connect-to-my-bank-or-broker-via-plaid)** 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](https://www.mycapitally.com/help/data-safety) for the full encryption and hosting model. Imports go through CSV, Excel, paste from a spreadsheet, or [manual entry](https://www.mycapitally.com/help/add-transactions-manually). Most major brokers — Interactive Brokers, Degiro, TastyTrade, Schwab, Coinbase, Kraken, XTB, and many others — have [native CSV presets](https://www.mycapitally.com/help/import-from-a-broker), 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. - **[Is Capitally GDPR-compliant? Where is my data stored?](https://www.mycapitally.com/faq#is-capitally-gdpr-compliant)** Yes. Capitally is built and operated under GDPR. Servers and databases sit in EU data centres, and the underlying portfolio data is end-to-end encrypted on your device with AES-GCM — Capitally itself can't read it, so the GDPR data-minimisation and purpose-limitation principles are enforced at the cryptographic layer rather than just at the policy layer. Export and permanent deletion are one-click operations inside the app, with no email or support ticket required. Export covers all your portfolio data - decrypted on your device, then saved as CSV, Excel, or JSON. Deletion permanently removes the encrypted store along with the surrounding metadata. We don't transfer personal data outside the EU, don't sell or rent it, and don't run third-party advertising trackers on the app. See [data safety](https://www.mycapitally.com/help/data-safety) for the encryption model, or the [Privacy Policy](https://www.mycapitally.com/legal/privacy) for the full legal text. ## Blog Articles - **[How to Evaluate Dividend Stocks: 6 Key Metrics Every Investor Must Know (Yield, Payout Ratio & More)](https://www.mycapitally.com/blog/how-to-evaluate-dividend-stocks)** Understand the 6 key metrics every dividend investor must know — dividend yield, payout ratio, coverage ratio, dividend growth rate, ROI, and total return. Formulas, examples, and good-range benchmarks by industry. - **[How to Invest in Dividend Stocks: A Beginner's Guide to Dividend Investing Strategies (2026)](https://www.mycapitally.com/blog/dividend-investing-strategies-for-beginners)** Learn how dividend investing works, compare 4 beginner-friendly strategies, avoid yield traps, and build a simple portfolio of dividend stocks or ETFs. - **[Comparison of portfolio analysis tools: Capitally, Getquin, Sharesight and Snowball Analytics](https://www.mycapitally.com/blog/best-portfolio-analysis-tool)** Review of portfolio analysis tools for serious investors - GetQuin, Sharesight, Snowball Analytics, and Capitally - focusing on tracking stock performance, portfolio optimization, and investment analysis capabilities. - **[getquin vs Capitally: Review of two portfolio trackers for European investors](https://www.mycapitally.com/blog/getquin-review)** Looking for a getquin alternative? Compare getquin and Capitally wealth trackers side-by-side. Portfolio analysis tools for European investors managing diverse assets. - **[Best Dividend Tracker 2025: An honest review of 5 popular tools used to track passive income](https://www.mycapitally.com/blog/best-dividend-tracker)** Compare the best dividend trackers for passive income investors. In-depth review of Capitally, Sharesight, Snowball Analytics, and more. Find your perfect dividend tracking tool. - **[How to Track Dividends: A Complete Guide for Investors (2026)](https://www.mycapitally.com/blog/how-to-track-dividends-investing-guide)** Learn how to track dividend income, payments, and yield. Compare manual spreadsheets vs broker-built-in tools vs dedicated dividend trackers (Capitally, Sharesight, Snowball, DivTracker, Empower). - **[Best portfolio tracker for the DIY investor (2025)](https://www.mycapitally.com/blog/best-portfolio-tracker-for-the-modern-diy-investor)** Searching for a Sharesight or Snowball alternative? We compare the best portfolio trackers for investors with diverse assets like stocks, crypto, and real estate, focusing on privacy, analysis, and flexibility. - **[Kubera vs Capitally: A practical wealth tracker alternative for High Net Worth Individuals](https://www.mycapitally.com/blog/kubera-review)** Compare Kubera to Capitally. See which tool suits high-net-worth portfolios with real estate, private equity and strict data-privacy needs. - **[Capitally vs Snowball Analytics: Review and Comparison](https://www.mycapitally.com/blog/snowball-analytics-review)** Is Snowball Analytics safe bet for your portfolio? Compare Snowball vs Capitally for tracking diverse assets, privacy features, and pricing. Find the best Snowball alternative for complex portfolios. - **[Sharesight Review: Is Capitally the Best Alternative?](https://www.mycapitally.com/blog/sharesight-review)** In-depth 2025 sharesight review. Compare Capitally vs Sharesight to find the best portfolio tracker for your investment portfolio. See how each tool handles stocks, ETFs, and custom investment assets, tax reporting, and privacy. - **[How to Track All Your Investments in One Place](https://www.mycapitally.com/blog/how-to-track-investments)** Compare portfolio trackers for stocks, ETFs, crypto, real estate and private assets. Learn which metrics to track, including TWR, MWR, IRR, fees and tax lots. - **[How to Calculate Investment Performance: Portfolio Return Methods Explained](https://www.mycapitally.com/blog/measuring-investment-performance)** Compare ROI, CAGR, TWR and MWR/IRR with formulas and examples. Learn which portfolio return method to use and how fees, taxes, inflation and FX affect results. - **[How to switch from StockMarketEye to Capitally](https://www.mycapitally.com/blog/how-to-switch-from-stockmarketeye-to-capitally)** Easily switch from StockMarketEye to Capitally - the modern investment tracker for stocks, ETFs, and crypto. Import your data seamlessly! - **[StockMarketEye is shutting down - what are the alternatives?](https://www.mycapitally.com/blog/stockmarketeye-tracking-app-is-shutting-down-what-are-the-alternatives)** StockMarketEye has shut down - discover 5 top alternatives for investment tracking: Capitally, Kubera, Portfolio-performance, Stock Rover & Sharesight ## Help Articles - **[Help](https://www.mycapitally.com/help)** Get instant help with Capitally's, featuring a comprehensive list of articles and support resources. - **[Overview](https://www.mycapitally.com/help/overview)** Let's get started with the most important basics. - **[Desktop & Mobile App](https://www.mycapitally.com/help/desktop-mobile-app)** Learn how to install Capitally on desktop and mobile devices, enabling offline access and native app-like experience. - **[Market Data](https://www.mycapitally.com/help/market-data)** Search and access historical market data for various assets and exchanges, including delisted indices, with prices dating back to 1990 and updated every minutes. - **[Is my data safe?](https://www.mycapitally.com/help/data-safety)** Capitally is a privacy-first, GDPR-compliant portfolio tracker. Your data is end-to-end encrypted on your device — our servers in Europe never see your holdings. - **[Calculating returns](https://www.mycapitally.com/help/calculating-returns)** Learn how to calculate investment returns with Capitally's flexible tools. Compare MWR, TWR, and ROI methods to track your portfolio performance accurately. - **[Getting help](https://www.mycapitally.com/help/getting-help)** Need help with Capitally? Find answers in our help docs, troubleshooting guides, or contact support. Get assistance today! - **[Concepts](https://www.mycapitally.com/help/concepts)** Let's dive into concepts that are the building blocks of Capitally. - **[Portfolio](https://www.mycapitally.com/help/explorer)** Learn about your portfolio performance with metrics, graphs, and transaction lists, export data easily with intuitive portfolio section. - **[Accounts](https://www.mycapitally.com/help/accounts)** Learn how to organize your assets with Capitally's account feature, create multiple accounts to track investments and compare holdings with. - **[Assets](https://www.mycapitally.com/help/assets)** Learn about assets in Capitally, including what they are, how to use and organize them, and how to customize their details, all in one place - **[Asset Positions](https://www.mycapitally.com/help/asset-positions)** Learn about Positions in our app, where buying selling assets on an affects the position, and how accounts can have separate positions for same asset. - **[Transaction Lots](https://www.mycapitally.com/help/transaction-lots)** Learn how Lots are created and managed in our platform, including how they're composed and affected by transactions and partial sales. - **[Position Units](https://www.mycapitally.com/help/position-units)** Learn about Position Units in Capitally, the smallest segment of an Asset Position, created by opening and closing transactions, explained in detail. - **[Transactions](https://www.mycapitally.com/help/transactions)** Learn about different transaction types in Capitally, including Buy and Sell, Transfer, Dividend, Interest, Rent, and Other, to accurately track and calculate your asset positions and returns. - **[Account Balance](https://www.mycapitally.com/help/account-balance)** Learn how to maintain accurate account balances with our Account Balance feature, ideal for tracking cash accounts or assets without historical transaction data. - **[Tags](https://www.mycapitally.com/help/tags)** Learn how to use tags in Capitally to organize your portfolio, including asset, account and transaction tagging, inheritance and nested tags for organization. - **[Benchmarks](https://www.mycapitally.com/help/benchmarks)** Use indexes, ETFs, custom assets, or economic indicators as benchmarks. Compare side-by-side against up to 10 at once — or discount your return by any benchmark to see real and excess returns. - **[Lot Groups](https://www.mycapitally.com/help/lot-groups)** Organize transactions into lot groups to track multi-leg strategies, DCA positions, and related assets as single units. Learn how to create and manage groups. - **[Taxes](https://www.mycapitally.com/help/taxes)** Learn how to set up and customize tax handling in Capitally, including creating and assigning tax presets to accounts and viewing calculated tax metrics. - **[Tax Presets](https://www.mycapitally.com/help/tax-presets)** Learn how Tax Presets automate tax rule evaluation for, Sell, Dividend Interest, Rent & Others, with flexible grouping & calculation options - **[Taxonomies](https://www.mycapitally.com/help/taxonomies)** Organize your investments with Capitally's three taxonomy systems: categories, regions, and sectors. Customize classifications to fit your portfolio needs. Learn more! - **[Bookmarks](https://www.mycapitally.com/help/bookmarks)** Save custom views and reports as bookmarks in Capitally for quick access. Create shortcuts to your favorite data layouts and metrics. Learn how to bookmark views today! - **[Changes History](https://www.mycapitally.com/help/changes-history)** Track changes and modifications to your portfolio with Capitally's history feature, allowing you to undo and redo actions, and even review past changes. - **[Programmable Presets](https://www.mycapitally.com/help/programmable-presets)** Learn how to use Capitally's no-code editor to create custom Imports and Taxes logic, with built-in presets and visual statement builders. - **[Getting Started](https://www.mycapitally.com/help/getting-started)** Get started with Capitally and unify your investment performance across multiple accounts and asset types with our guided setup and troubleshooting resources. - **[Organizing portfolio](https://www.mycapitally.com/help/organizing-portfolio)** Easily track stocks and ETFs with Capitally, supporting thousands of global exchange symbols. Import transactions from your broker or manually update balances, all in one place. - **[Tracking Stocks & ETFs](https://www.mycapitally.com/help/tracking-stocks-etfs)** Easily track stocks and ETFs with Capitally, supporting thousands of global exchange symbols. Import transactions from your broker or manually update balances, all in one place. - **[Tracking Dividends](https://www.mycapitally.com/help/tracking-dividends)** Track dividends effortlessly with automatic handling, reinvestment options, and future income estimates. Learn manual entry, tax handling, and analysis tools. - **[Tracking Cash](https://www.mycapitally.com/help/tracking-cash)** Learn how to track your accounts in Capitally, monitoring allocation returns from currency fluctuations, with easy manual updates for a complete financial picture. - **[Tracking Real Estate](https://www.mycapitally.com/help/tracking-real-estate)** Track and manage your real estate investment with Capitally. Monitor market, income, and expenses for a comprehensive portfolio overview. - **[Tracking Cryptocurrencies](https://www.mycapitally.com/help/tracking-cryptocurrencies)** Easily track your crypto portfolio with Capitally, supporting thousands of tokens and allowing imports from major exchanges or updates. - **[Tracking Bonds & Deposits](https://www.mycapitally.com/help/tracking-bonds-deposits)** Learn how to efficiently import fixed-income assets, including bonds and deposits, using an import template and custom assets, and organize them with custom markets. - **[Tracking Mutual Funds](https://www.mycapitally.com/help/tracking-mutual-funds)** Learn how to import and track mutual funds in Capitally, with step-by-step guides and tips. - **[Tracking Private Equity](https://www.mycapitally.com/help/tracking-private-equity)** Track PE funds with capital commitments, capital calls, distributions, and performance metrics like TVPI, DPI, and RVPI. - **[Tracking Ventures and Passive Income](https://www.mycapitally.com/help/tracking-ventures-and-passive-income)** Learn how to add and manage ventures, track expenses and income, and notes with Markdown notation in our simple guide. - **[Tracking Collectibles](https://www.mycapitally.com/help/tracking-collectibles)** Learn how to import and organize your collectibles and art in our application creating custom assets, grouping similar items, and adding notes and for better tracking and valuation. - **[Tracking Options](https://www.mycapitally.com/help/tracking-options)** Track stock options with automated imports, Greeks visualization, strategy grouping, and margin monitoring. Manage puts, calls, and complex strategies in one place. - **[Tracking Short Positions](https://www.mycapitally.com/help/tracking-shorts)** Learn to track short positions in Capitally. Step-by-step guide included. Start tracking now! - **[Tracking Debt](https://www.mycapitally.com/help/tracking-debt)** Learn how to track liabilities in Capitally using negative prices and custom assets, with step-by-step guidance on creating buy and sell transactions. - **[Tracking Black-box Investments](https://www.mycapitally.com/help/tracking-black-box-investments)** - **[Importing Data](https://www.mycapitally.com/help/importing-data)** Learn how to import data into Capitally from various sources, including brokers, files, and manual entry, with troubleshooting tips and export options. - **[Import from a broker or app](https://www.mycapitally.com/help/import-from-a-broker)** Learn how to easily import transactions from your broker into Capitally with our step-by-step guide, featuring in-built templates and simple drag-and-drop. - **[Import from a file](https://www.mycapitally.com/help/import-from-a-file)** Learn how to create a template in Capitally for transactions files that don't fit existing templates, with step-by-step guide. - **[Importing in advanced mode](https://www.mycapitally.com/help/import-advanced-mode)** Master complex data imports with advanced mode - create custom logic for brokers, reference rows, track variables & handle multi-format files. Learn now! - **[Transaction Properties Reference](https://www.mycapitally.com/help/transaction-properties-reference)** Learn how to map CSV columns to transaction properties when importing custom files. - **[Import by copy&paste](https://www.mycapitally.com/help/import-by-copy-paste)** Easily import transactions from spreadsheets or tables into Capitally, synchronizing your data and eliminating CSV downloads. - **[Choosing the right market symbol](https://www.mycapitally.com/help/choosing-the-right-asset-symbol)** Learn how to locate assets in Capitally by using ISIN numbers, ticker symbols, or asset names, and understand how market prices are sourced for data. - **[Add transactions manually](https://www.mycapitally.com/help/add-transactions-manually)** Learn how to add assets and transactions in Capitally, with flexibility to add custom or market-traded assets and edit transactions with ease. - **[Adding custom assets](https://www.mycapitally.com/help/adding-custom-assets)** Track and manage your valuable assets with Capitally's custom asset feature, with step-by-step guidance on creating and editing assets, including choosing asset types pricing. - **[Setting custom asset prices](https://www.mycapitally.com/help/setting-custom-asset-prices)** Customize market prices for any asset in your portfolio on Capitally, including non-publicly traded assets, and easily update prices to match your records - **[Interest-based pricing](https://www.mycapitally.com/help/interest-based-pricing)** Learn how Capitally's interest-based pricing automatically calculates cash flows for bonds, loans, and mortgages. Set up rates, terms & scenarios. - **[Exporting Data](https://www.mycapitally.com/help/exporting-data)** Easily export your data in two formats: JSON and CSV to access your information anytime, anywhere. - **[Troubleshooting Data Issues](https://www.mycapitally.com/help/troubleshooting-data-issues)** Resolve errors in your investment with this troubleshooting guide, covering common issues price fetch errors, pair resolutions, and balances. - **[Reports](https://www.mycapitally.com/help/reports)** The Reports section provides reports that are tailor-made for particular scenarios, unlike the Portfolio, which is primarily aimed at exploring and managing your assets. - **[Taxable Income Report](https://www.mycapitally.com/help/taxable-income-report)** Review investment portfolios with position values, closed positions, dividends, and fixed income. Analyze and export data tax estimation, loss, and record-keeping. - **[Taxes Due Report](https://www.mycapitally.com/help/taxes-due-report)** Track your tax obligations with our Taxes Due Report. View organized tax calculations by group, drill down to individual transactions, and understand your tax liability. Set up tax presets to get started. - **[Early Access Features](https://www.mycapitally.com/help/alpha-features)** Explore Capitally's alpha features, providing early access to unreleased functionalities, and contribute to their development with your feedback. - **[Formulas](https://www.mycapitally.com/help/formulas)** Create custom calculations with JavaScript-like formulas in Capitally. Learn syntax, operators & functions to automate your workflows. Enable this early access feature now! - **[Price Formulas](https://www.mycapitally.com/help/price-formulas)** Modify asset market prices with Formula, using JavaScript-like formulas. - **[Cost Basis Methods](https://www.mycapitally.com/help/cost-basis-methods)** Learn about cost basis methods in Capitally: FIFO, LIFO, HICO, LOCO, and Average Cost Basis (ACB). Configure methods per account, asset, or position. - **[Tax Preset Reference](https://www.mycapitally.com/help/tax-preset-reference)** Complete reference for tax preset programming in Capitally. Properties, statements, and expressions for building custom tax calculation rules. - **[Tracking Mortgage](https://www.mycapitally.com/help/tracking-mortgage)** Learn how to track your mortgage in Capitally with automatic interest calculations, connect it to your property, and see your true net equity. - **[Recording Corporate Events](https://www.mycapitally.com/help/recording-corporate-events)** Learn how to record stock splits, mergers, spinoffs, return of capital, and other corporate events in Capitally with step-by-step instructions. ## Supported brokers - [Revolut](https://www.mycapitally.com/brokers/revolut) - [Robinhood](https://www.mycapitally.com/brokers/robinhood) - [Fidelity](https://www.mycapitally.com/brokers/fidelity) - [Bossa](https://www.mycapitally.com/brokers/bossa) - [Interactive Brokers](https://www.mycapitally.com/brokers/interactive-brokers) - [XTB](https://www.mycapitally.com/brokers/xtb) - [DEGIRO](https://www.mycapitally.com/brokers/degiro) - [Charles Schwab](https://www.mycapitally.com/brokers/charles-schwab) - [Coinbase](https://www.mycapitally.com/brokers/coinbase) - [eMakler](https://www.mycapitally.com/brokers/emakler) - [Polish Treasury Bonds](https://www.mycapitally.com/brokers/obligacje-skarbowe) - [Saxo](https://www.mycapitally.com/brokers/saxo) - [Barclays](https://www.mycapitally.com/brokers/barclays) - [Finax](https://www.mycapitally.com/brokers/finax) - [EXANTE](https://www.mycapitally.com/brokers/exante) - [CommSec](https://www.mycapitally.com/brokers/commsec) - [DIF Broker](https://www.mycapitally.com/brokers/dif) - [Portu](https://www.mycapitally.com/brokers/portu) - [mBank Dom Maklerski](https://www.mycapitally.com/brokers/mbank-dom-maklerski) - [Interactive Investor](https://www.mycapitally.com/brokers/interactive-investor) - [Nordnet](https://www.mycapitally.com/brokers/nordnet) - [Lightyear](https://www.mycapitally.com/brokers/lightyear) - [Goldsaver](https://www.mycapitally.com/brokers/goldsaver) - [Questrade](https://www.mycapitally.com/brokers/questrade) - [Hargreaves Lansdown](https://www.mycapitally.com/brokers/hargreaves-lansdown) - [RBC Wealth Management](https://www.mycapitally.com/brokers/rbc-wealth-management) - [Swissquote](https://www.mycapitally.com/brokers/swissquote) - [TSP (Thrift Savings Plan)](https://www.mycapitally.com/brokers/tsp) - [TD Waterhouse Canada](https://www.mycapitally.com/brokers/td-waterhouse-canada) - [Trading 212](https://www.mycapitally.com/brokers/trading-212) - [tastytrade](https://www.mycapitally.com/brokers/tastytrade) - [Vanguard](https://www.mycapitally.com/brokers/vanguard) - [Yuh](https://www.mycapitally.com/brokers/yuh) - [Bitstamp](https://www.mycapitally.com/brokers/bitstamp) - [Ledger Live](https://www.mycapitally.com/brokers/ledger-live) - [Binance](https://www.mycapitally.com/brokers/binance) - [Kraken](https://www.mycapitally.com/brokers/kraken) - [eToro](https://www.mycapitally.com/brokers/etoro) - [Firstrade](https://www.mycapitally.com/brokers/firstrade)