# 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: your data is end-to-end encrypted and never pulled from your bank, the analytics go where most trackers stop, and anything you can put a price on is trackable — not just listed securities. Imports run through CSV, paste or manual entry rather than Plaid, and metrics like FX attribution and specific-lot cost basis apply to real estate and private equity as readily as to stocks. Read [how Capitally compares against the field](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 is built for the investor who outgrew a spreadsheet but wants to keep its control. It computes time-weighted and money-weighted return, FX attribution between capital gain and currency gain, FIFO / LIFO / Average Cost / specific-lot cost basis and options Greeks, and refreshes prices with no formulas to maintain. Your data stays yours — [exportable to CSV or Excel](https://www.mycapitally.com/help/exporting-data) anytime, end-to-end encrypted on your device. The [spreadsheet-alternative page](https://www.mycapitally.com/features/alternative-to-investment-tracking-in-excel) has the full comparison. - **[Who is Capitally built for?](https://www.mycapitally.com/faq#who-can-benefit-from-using-capitally)** Capitally is built for long-term DIY investors running their own money across several brokers, currencies and asset classes who want the math behind every number — the right fit once you have outgrown a spreadsheet but don't want to lose the control it gave you. Best for advanced DIY investors (TWR vs MWR, FX attribution, specific-lot cost basis), HNW investors (several entities, private equity beside public markets), expats (one base currency, local record intact) and FIRE investors (forecast income, yield-on-cost). [How it compares](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, with 130+ currencies available 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), precious metals, crypto, indexes and commodities — see the [supported markets and assets](https://www.mycapitally.com/help/market-data). Anything without a public quote, such as a local fund or a private holding, goes in as a [custom asset](https://www.mycapitally.com/help/adding-custom-assets) priced by hand. - **[Can Capitally replace my investment spreadsheet entirely?](https://www.mycapitally.com/faq#can-capitally-replace-my-investment-spreadsheet-entirely)** Yes, for portfolio tracking and analysis. You keep the data control that made you choose a spreadsheet — [export](https://www.mycapitally.com/help/exporting-data) everything to CSV, Excel or JSON any time — without maintaining formulas, price lookups and FX conversions by hand. - **[How do I migrate from a spreadsheet, Kubera, Sharesight, or another tracker?](https://www.mycapitally.com/faq#migrate-from-spreadsheet-or-another-tracker)** Yes. Three routes, depending on what your old tool exports: paste rows from a spreadsheet, import a CSV or Excel file, or rebuild from broker statements. Built-in presets cover Sharesight, Snowball Analytics, Portfolio Performance, Delta, myFund and StockMarketEye; anything else — Kubera, Empower, your own sheet — goes through the column mapper, which saves the mapping for next time. [Importing Data](https://www.mycapitally.com/help/importing-data) walks through all three. Missing a preset? Send a sample export to [support@mycapitally.com](mailto:support@mycapitally.com). - **[Does Capitally have an API?](https://www.mycapitally.com/faq#does-capitally-have-an-api)** No — and that is architecture rather than backlog: every project is encrypted on your device, so Capitally's servers hold ciphertext and have nothing to serve. Exports return the data an API would, in three shapes: a full export of everything you have put into the app, a selective export of just the rows you pick, or a history export covering only what changed since the last one — as JSON, CSV or Excel. See [Is there an API?](https://www.mycapitally.com/help/exporting-data#is-there-an-api) ### 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 is no permanent free tier. The 14-day trial is fully featured, takes no credit card, and runs on whichever plan you're considering. Pricing rises as features expand, and subscribing locks in today's rate for as long as the subscription stays continuous — lapse, and you resubscribe at the new one. [Subscription and billing](https://www.mycapitally.com/help/subscription-and-billing) covers renewals, invoices and plan changes. - **[Can I cancel or switch my subscription anytime? What happens then?](https://www.mycapitally.com/faq#can-i-cancel-anytime)** Yes, in **Settings → Subscription** — no email, no support ticket. You keep the plan to the end of the period already paid for, and can reactivate before that date. On the 14-day trial there is nothing to cancel: it takes no card and ends by itself. Nothing is deleted when you leave, plan switches are prorated, and your price stays locked to the day you subscribed as long as it runs unbroken. [Subscription and billing](https://www.mycapitally.com/help/subscription-and-billing) covers billing, [Account and login](https://www.mycapitally.com/help/account-and-login) retention and deletion. - **[Can I get an invoice?](https://www.mycapitally.com/faq#can-i-have-an-invoice)** Yes. An invoice is emailed after every payment, and past ones stay in **Settings → Subscription**. Add your Tax ID at checkout for a company name and VAT number — [Subscription and billing](https://www.mycapitally.com/help/subscription-and-billing#getting-an-invoice). - **[Which plan includes private equity tracking?](https://www.mycapitally.com/faq#which-plan-includes-private-equity-tracking)** The **Captain** [plan](https://www.mycapitally.com/pricing), which also covers value-based pricing, stock options and [lot groups](https://www.mycapitally.com/help/lot-groups). Every plan starts 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 have no limit on transaction history; Sailor covers up to 25 years. Either way the whole history is recalculated from current market and FX data, so long-term TWR and IRR reflect each trade's real environment. [Subscription & billing](https://www.mycapitally.com/help/subscription-and-billing) lists the per-plan limits. - **[Can I get a refund?](https://www.mycapitally.com/faq#can-i-get-a-refund)** Normally no. The 14-day trial exists so you can test everything before paying, and once you have, purchases are final. Two windows are the exception: subscribe before those 14 days since your trial started have elapsed and you can have that payment back within the same window, no questions asked; a renewal that took you by surprise can be refunded within three days of the transaction. Ask at support@mycapitally.com — details in [Subscription and billing](https://www.mycapitally.com/help/subscription-and-billing#refunds). - **[What happens when my free trial ends? Do I need to cancel?](https://www.mycapitally.com/faq#what-happens-when-my-free-trial-ends)** Nothing is charged, and there is nothing to cancel. The 14-day trial takes no payment details at all, so there is no card on file and no way to bill you — on day 14 the account simply goes inactive. Your data stays [end-to-end encrypted and available for at least 6 months](https://www.mycapitally.com/faq#what-happens-to-my-data-if-i-decide-to-leave-capitally-after-the-free-trial), so subscribing later restores the full history with nothing to rebuild. [Account and login](https://www.mycapitally.com/help/account-and-login#deleting-your-account) covers exporting everything first, or deleting the account outright. ### Tracking Wealth - **[How can I import my financial data?](https://www.mycapitally.com/faq#how-can-i-import-my-financial-data)** Upload a CSV or XLS export from your broker — most major brokers have a [native import preset](https://www.mycapitally.com/help/import-from-a-broker), and the flexible importer maps the columns of any other file. You can also [paste from a spreadsheet](https://www.mycapitally.com/help/import-by-copy-paste), add transactions by hand, or just keep account balances current if that is all you track. There is no Plaid-style broker link, by design — [importing data](https://www.mycapitally.com/help/importing-data) walks through every route. - **[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) straight out of Excel, Google Sheets or Numbers and Capitally maps the columns into its transaction model on the fly; CSV and XLS files import the same way. The mapping saves as a reusable preset, so the next paste is one click, and your data [exports back to CSV](https://www.mycapitally.com/help/exporting-data) whenever you want. - **[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 pick the tracking depth per [account](https://www.mycapitally.com/help/accounts) or asset, anywhere between a periodic [balance update](https://www.mycapitally.com/help/account-balance) and a full transaction history — a pension as one balance, your IBKR account as every trade. Balances are quick to maintain but thin for cost basis and tax; transactions unlock realised gains and [FIFO / LIFO / average-cost / specific-lot](https://www.mycapitally.com/help/cost-basis-methods) reporting. Add the detail later and the balances reconcile themselves — nothing 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)** 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](https://www.mycapitally.com/help/exporting-data) to CSV, Excel or JSON before you go, so the full record stays with you regardless. - **[What kind of assets can I track with Capitally?](https://www.mycapitally.com/faq#what-kind-of-assets-can-i-manage-with-capitally)** Anything you can put a price on. Stocks, ETFs, mutual funds, currencies, crypto and commodities arrive with automatic pricing and dividend data, options with Greeks; cash, bonds, real estate, private equity, collectibles and liabilities are custom assets you value yourself. Depth is per asset: full transaction history, or periodic balance updates. [Market data](https://www.mycapitally.com/help/market-data) lists what is priced natively, and [Getting Started](https://www.mycapitally.com/help/getting-started) has a walkthrough per asset class. - **[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. A liability is an asset with a negative quantity: create a custom asset of type **Loan** or **Mortgage** and book the borrowing as a **Buy** with a negative quantity. The Portfolio's Market Value tab then reads **Owned**, **Owed** and **Debt Ratio** side by side. [Tracking Debt](https://www.mycapitally.com/help/tracking-debt) has the setup — including loans that price their own interest — and [Tracking Mortgage](https://www.mycapitally.com/help/tracking-mortgage) the property side. - **[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. Record them as `Other` transactions on the asset itself — property maintenance, repairs, insurance, custodian and management fees — so the cost sits in the same ledger as that position's purchases, valuations and income. A one-off cost goes in as a negative **Value**; a recurring one goes in the **Fee** field, which also feeds the Fees metric. Either way it reduces the position's return rather than its invested principal. See [Tracking Expenses](https://www.mycapitally.com/help/tracking-real-estate#tracking-expenses). - **[How far back can I import my transaction history?](https://www.mycapitally.com/faq#how-far-back-can-i-import-my-transaction-history)** As far back as your broker statements go on the Navigator and Captain plans; the Sailor plan covers 25 years. Prices and FX rates are rebuilt across the whole imported history, so a position opened in 2004 gets its cost basis and currency impact from 2004 rather than from today. [What the plan limits count](https://www.mycapitally.com/help/subscription-and-billing#what-the-plan-limits-count) has the rest of the per-plan limits. - **[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 stakes where you know the price per unit and need capital commitments, calls and distributions with 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 value and your deposits and withdrawals; you enter the balance and Capitally derives the returns — see [Tracking Black-box Investments](https://www.mycapitally.com/help/tracking-black-box-investments). - **[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 live in the same project, and the rollup blends them into one net worth, one base currency and one set of reports. Each side keeps its own metrics: PE positions report Committed Capital, Paid-In, DPI, TVPI and RVPI, public positions report TWR, money-weighted return / IRR and FX attribution. 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, for any statement that exports CSV or Excel. Map its columns to Capitally's transaction fields once in [Import from a file](https://www.mycapitally.com/help/import-from-a-file), save that mapping as a preset, and every later statement from the same provider imports in seconds. For LP fund statements — capital calls, distributions, NAV updates — use the [private-equity workflow](https://www.mycapitally.com/help/tracking-private-equity). For a managed account that reports only a period-end NAV, use [value-based pricing](https://www.mycapitally.com/help/tracking-black-box-investments). - **[How does Capitally handle multi-currency portfolios and FX attribution?](https://www.mycapitally.com/faq#how-does-capitally-handle-multi-currency-and-fx)** Every transaction keeps the currency you paid in — USD trades stay in USD, EUR trades in EUR — and converts into your viewing currency at the trade-date rate, which you can switch whenever you like. Returns then split into the asset's own capital gain and the currency gain or loss on top, so a 12% USD return that lands as 4% in EUR reads differently from a 12% EUR return. [Portfolio metrics](https://www.mycapitally.com/help/portfolio-metrics) defines the split. - **[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. One project holds any number of [accounts](https://www.mycapitally.com/help/accounts) — personal, company, trust, IRA, ISA, IKE/IKZE — plus the liabilities that finance them, so one net-worth view nets debt against holdings. Every metric works at any level: per account, per filter, or across everything. When two entities must never appear in the same report, give each its own project — same login, fully isolated data. [Projects](https://www.mycapitally.com/help/projects) covers which side of that line an entity belongs on. - **[How does Capitally calculate mortgage interest and amortization?](https://www.mycapitally.com/faq#how-does-capitally-calculate-mortgage-interest)** From the terms you enter, not from your bank's statement. Set the mortgage up with interest-based pricing — rate, compounding, periods, amortisation — and Capitally generates the accruals and the balance schedule; rate resets, payment holidays and refinancing are dated overrides on the same asset. [Tracking Mortgage](https://www.mycapitally.com/help/tracking-mortgage) has the fixed-rate and 5/1 ARM setups, [Interest-based pricing](https://www.mycapitally.com/help/interest-based-pricing) every setting. - **[Can I track margin loans and short positions in Capitally?](https://www.mycapitally.com/faq#can-i-track-margin-loans-and-short-positions)** Yes — both, on every plan. A short is a position with a negative quantity: sell what you don't hold, buy back to close. Borrowed cash is a custom **Loan** asset carrying what you owe, margin interest an **Interest** transaction against it, and the Market Value tab reports **Owned**, **Owed** and **Debt Ratio**. [Tracking Short Positions](https://www.mycapitally.com/help/tracking-shorts) and [Tracking Debt](https://www.mycapitally.com/help/tracking-debt) cover both. Margin requirements on sold options need advanced tracking, on the Captain plan. - **[Does Capitally show debt-to-asset ratio or leverage metrics?](https://www.mycapitally.com/faq#does-capitally-show-debt-to-asset-ratio)** Yes — three metrics on the **Market Value** tab. **Owned** is what your assets are worth, **Owed** is everything you owe, from mortgages and loans to margin debt and shorts, and **Debt Ratio** is owed ÷ owned. All three follow whatever you have open: one account, a saved filter, or the whole project. The chart on that tab plots Owned against Owed over time, with the margin requirement as a third line if you sell options or short stock. See [Tracking Debt](https://www.mycapitally.com/help/tracking-debt). - **[Can I link a mortgage to a property to see my real equity?](https://www.mycapitally.com/faq#can-i-link-mortgage-to-property)** Yes. Put the property and its mortgage in the same account, and the Portfolio's **Market Value** tab reads **Owned** (what the property is worth), **Owed** (what is left on the loan) and **Debt Ratio** (`owed / owned`), with the account's own value already net of the debt. Property valuations are yours to enter — Capitally does not price real estate automatically — while the loan balance moves with every payment. Full walkthrough: [Tracking Mortgage](https://www.mycapitally.com/help/tracking-mortgage). - **[Can I import a loan or mortgage payment history from a spreadsheet?](https://www.mycapitally.com/faq#can-i-import-loan-or-mortgage-history-from-spreadsheet)** Yes. A loan or mortgage history goes in through the same file importer as the rest of your portfolio — CSV, XLS, XLSX, XML, JSON or pasted rows — and the column mapping is saved as a preset, so the next statement from the same lender reuses it. Each repayment becomes one **Interest** transaction: the interest paid maps to Value, the capital repaid to Amortized Quantity. See [Tracking Mortgage](https://www.mycapitally.com/help/tracking-mortgage) for the setup and [Import from a file](https://www.mycapitally.com/help/import-from-a-file) for the mapping. - **[Can I track REITs and physical real estate in the same portfolio?](https://www.mycapitally.com/faq#can-i-track-reits-and-physical-real-estate-together)** Yes. A REIT is an ordinary listed position priced from market data like any other equity; a physical property is a custom asset of type **Real Estate** whose valuations you set yourself. Both sit in one project, measured the same way in the same base currency. Two catches: a listed REIT is typed as a stock, so **Portfolio → Types → Real Estate** won't include it — group the two with [tags or categories](https://www.mycapitally.com/help/taxonomies). And property sits outside the `Liquid assets` filter. Walkthrough: [Tracking Real Estate](https://www.mycapitally.com/help/tracking-real-estate). - **[Can I track rental income separately from dividends and other passive income?](https://www.mycapitally.com/faq#can-i-track-rental-income-separately-from-dividends)** Yes. Rent is its own transaction type: on the property asset record a **Rent** transaction with the rent in **Value**, tax withheld at source in **Tax Paid**, and the manager's cut in **Fees**. Rent, dividends and interest stay separate in the Income tab while feeding the same Yield and Yield on Cost. [Tracking Real Estate](https://www.mycapitally.com/help/tracking-real-estate) covers recording and cloning rent; [Tracking Dividends](https://www.mycapitally.com/help/tracking-dividends) covers what counts as income. - **[Can I track real estate held in multiple currencies?](https://www.mycapitally.com/faq#can-i-track-real-estate-held-in-multiple-currencies)** Yes. Each property is an asset in its own currency — a Warsaw flat in PLN, a Berlin flat in EUR — and its valuations, rent, instalments and expenses stay there while the portfolio rolls up into whichever viewing currency you pick. Returns then split into **Capital Returns**, which freeze the exchange rate at the opening date, and **Currency Returns**, the part the rate itself moved. [Portfolio metrics](https://www.mycapitally.com/help/portfolio-metrics) covers both. - **[Can I track physical gold and bullion coins?](https://www.mycapitally.com/faq#can-i-track-physical-gold-and-bullion)** Yes — and unlike a painting or a watch, bullion prices update on their own. Add gold as `XAU` or silver as `XAG` from Capitally's supported currency list, then record each purchase as a `Buy` at the price you actually paid. Palladium (`XPD`) is there too; platinum is not. The one thing to get right is the unit: `XAU` and `XAG` are quoted per troy ounce, so a 100 g bar is `3.215072`. [Tracking Precious Metals](https://www.mycapitally.com/help/tracking-precious-metals) has the conversion table and a worked example. - **[Do you support futures, CFDs, and turbo certificates?](https://www.mycapitally.com/faq#do-you-support-futures-cfds-and-certificates)** Not as native instruments — there is no futures, CFD or certificate asset type, and [market data](https://www.mycapitally.com/help/market-data) does not price them. Track them as custom assets, which behave no differently from listed holdings for allocation, returns and cost basis. [Adding custom assets](https://www.mycapitally.com/help/adding-custom-assets#tracking-an-asset-type-that-isnt-in-the-list) has the pattern, futures example included. A leveraged product on a listed underlying can instead take a [price formula](https://www.mycapitally.com/help/price-formulas) like `100 * price`. ### Tracking Dividends & other Income - **[How does automatic dividend import work?](https://www.mycapitally.com/faq#automatic-import-of-dividends)** Capitally posts them for you. Once it knows which dividend-paying assets you own, each declared payment is pulled from market data with its ex-date, pay-date and gross amount — no broker file needed. Automatic dividends carry no withholding tax, though, and their pay-date can differ from your broker's. For tax reporting, import the broker file: those records count as confirmed, take priority over the automatic ones, and carry the actual WHT and FX rate. See [Tracking Dividends](https://www.mycapitally.com/help/tracking-dividends). - **[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 dividends track exactly like domestic ones, and the withholding tax deducted at source is kept per payment: the dividend value stays gross, the withheld amount goes in **Tax paid / withheld**, and the net follows from the two. A broker import fills that field in where the export carries it, and you enter it yourself where it doesn't. See [Importing dividends and withholding tax](https://www.mycapitally.com/help/tracking-dividends#importing-dividends-and-withholding-tax), and [Taxes](https://www.mycapitally.com/help/taxes) for how tax withheld nets against tax due. - **[How does Capitally forecast future dividends?](https://www.mycapitally.com/faq#how-does-capitally-forecast-future-dividends)** From the last five years of payouts — the next expected dividend is the last one paid, multiplied by the average growth rate over that window. Listed assets use full market history, custom assets the data you entered. [Tracking Dividends](https://www.mycapitally.com/help/tracking-dividends#how-future-income-is-estimated) has the rest. - **[Can I customise the assumptions behind dividend projections, like setting different growth scenarios?](https://www.mycapitally.com/faq#customizing-different-growth-scenarios)** Not yet. Dividend projections run one fixed model — [the last five years of payouts, carried forward at that window's average growth rate](https://www.mycapitally.com/faq#how-does-capitally-forecast-future-dividends) — with no per-asset override for growth, payout cuts or DRIP. The only lever is the underlying series: manually entered dividends feed the same projection, so editing an asset's income history changes what comes out. Scenario modelling is on [the roadmap](https://community.mycapitally.com/c/roadmap/6). - **[Can I define custom income streams that aren't dividends?](https://www.mycapitally.com/faq#define-custom-income-streams)** Yes. **Rent** and **Interest** are transaction types in their own right, sitting beside Dividend — rent for property, interest for bond coupons, deposits, savings and P2P lending — each with its own value, fees and tax paid. Every income metric covers all three: income received, yield, yield-on-cost, growth, next payment date, and the split between them. [Tracking Dividends](https://www.mycapitally.com/help/tracking-dividends) covers rent and interest alongside dividends, including how future payments are estimated and why one-off windfalls belong in an `Other` transaction instead. - **[Does Capitally show upcoming dividend payments?](https://www.mycapitally.com/faq#alerts-about-upcoming-dividends)** Yes. Expected dividends appear on the dashboard widget, in the Income tab and on transaction lists as soon as the date range reaches into the future, each with its ex-date, payment date and amount. Every one is labelled Upcoming, Declared or Estimated, so a company announcement is never mistaken for a projection. [Tracking Dividends](https://www.mycapitally.com/help/tracking-dividends#upcoming-and-estimated-dividends) covers how the estimates are built. - **[Can I test different dividend strategies and compare them side by side?](https://www.mycapitally.com/faq#testing-different-dividend-strategies)** Yes, but only for strategies you actually hold — there is no simulation mode. Give each strategy its own account, then group by account in Portfolio: total return, TWR, IRR, income and yield-on-cost all split out on one chart. An account can also serve as a [benchmark](https://www.mycapitally.com/help/benchmarks), plotting one strategy's return against another's. Capitally will not model a strategy you have not recorded: forecast income uses one fixed model, with no DRIP switch and no per-asset growth override. See [Tracking Dividends](https://www.mycapitally.com/help/tracking-dividends). - **[Does Capitally support dividend investing?](https://www.mycapitally.com/faq#does-capitally-support-dividend-investing)** Yes. Dividends are tracked payment by payment for every supported stock and ETF — gross amount, withholding tax and net, each editable — alongside yield-on-cost, forecasted income and dividend growth. Bond coupons and rental income sit on the same ledger, so DRIP, rental and bond yield compare side by side. [Tracking Dividends](https://www.mycapitally.com/help/tracking-dividends) is the full walkthrough, including how automatic payments are matched against your broker's report; the [dividend-tracking feature page](https://www.mycapitally.com/features/track-dividends) is the overview. - **[Can Capitally generate capital-gains tax reports for my country?](https://www.mycapitally.com/faq#capital-gains-tax-report-for-my-country)** Yes. Capital-gains figures come from a country-specific [tax preset](https://www.mycapitally.com/help/tax-presets) that encodes your jurisdiction's cost-basis convention, holding-period rules and exemption thresholds; presets ship for several countries, and you can clone one or write your own for anywhere else. Cost basis is tracked per tax lot, in the currency of each trade, and the results land in the [Taxes Due Report](https://www.mycapitally.com/help/taxes-due-report) by country and year. ### Analysing Performance - **[How often are asset prices updated?](https://www.mycapitally.com/faq#how-often-are-asset-prices-updated)** Not in real time — Capitally is a tracker, not a trading platform. US stocks and ETFs, currencies and crypto refresh at most every 30 minutes during market hours; everything else is an end-of-day close, posted 15 minutes to 3 hours after that market shuts. [Market data](https://www.mycapitally.com/help/market-data) lists the delay per market. Custom assets hold your last valuation forward until you [enter a new one](https://www.mycapitally.com/help/setting-custom-asset-prices). - **[How does Capitally handle assets that don't have publicly available prices?](https://www.mycapitally.com/faq#handling-assets-without-publicly-available-prices)** You set the price yourself. [Add it as a custom asset](https://www.mycapitally.com/help/adding-custom-assets) — private equity, property, collectibles, a closed fund — and [feed in valuations](https://www.mycapitally.com/help/setting-custom-asset-prices) by hand, by paste, or by CSV, as often as you get them. From there it behaves like a listed position: cost basis, TWR, MWR, FX attribution and yield-on-cost all compute the same way, and dividends, rent or expenses can be logged against it. Between valuations Capitally holds the last price forward, or interpolates if you prefer. - **[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)** You set the valuations yourself — one value, a handful, or a full price series, in the asset's own currency ([four ways to enter one](https://www.mycapitally.com/help/setting-custom-asset-prices)). Capitally carries the last valuation forward until the next, so an asset revalued once a year still shows a value on every day in between. Rent, maintenance and other costs record separately from valuations and feed into the 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. A threshold alert — "ping me when AAPL crosses 200" — would need Capitally's servers to read your portfolio, and [end-to-end encryption](https://www.mycapitally.com/help/data-safety) makes your data unreadable to us by design. What you can schedule instead, in **Settings → Notifications**, is a recurring digest of your portfolio's performance, daily through monthly. It arrives as a push notification on an installed app rather than an email: your device does the calculation locally, which is the only way the encryption guarantee survives. - **[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)** TWR judges the strategy, MWR judges your result as an investor. Time-weighted return strips out when you added or withdrew money, which makes it the fair one to compare against a benchmark. Money-weighted return — also called IRR — includes your cashflow timing, so it tells you what the portfolio actually did for you. Capitally computes both, plus ROI, for every account and for the whole portfolio, and any of them can be **discounted** by a benchmark for a real or excess return. [Calculating returns](https://www.mycapitally.com/help/calculating-returns) has the worked examples. - **[What cost-basis methods does Capitally support — FIFO, average cost, specific lot?](https://www.mycapitally.com/faq#cost-basis-and-tax-lot-accounting)** All three, and three more besides: FIFO, LIFO, HICO (highest cost first), LOCO (lowest cost first), Manual specific-lot identification, and Average Cost Basis with Asset or Asset+Account pooling. Set the method per project, account, asset or position — the most specific wins — or let a built-in [tax preset](https://www.mycapitally.com/help/tax-presets) wire the one its jurisdiction requires. [Cost basis methods](https://www.mycapitally.com/help/cost-basis-methods) has a worked example for each, and covers picking individual lots when you sell. - **[Do I need to be a programmer to write a tax preset?](https://www.mycapitally.com/faq#no-programmer-needed-to-write-a-tax-preset)** No. Fifteen countries ship with a built-in [tax preset](https://www.mycapitally.com/help/tax-presets) — pick yours under **Settings → Taxes**, assign it to your accounts, and there is nothing to write. When you do want to change something, the editor is visual: rules are built from point-and-click statements, and every built-in preset was written in that same editor. [Programmable presets](https://www.mycapitally.com/help/programmable-presets) covers how it works. If your country is missing or a preset gets something wrong, write to [support@mycapitally.com](mailto:support@mycapitally.com). - **[Does Capitally support Polish PIT-38, US Schedule D, German Anlage KAP, and UK Capital Gains?](https://www.mycapitally.com/faq#supported-tax-forms-pit-38-schedule-d-anlage-kap)** Yes — the figures for all four, not the forms themselves. Built-in presets for fifteen countries sort gains, dividends and interest into tax groups named after your return's line items; the Taxes Due Report gives revenue, expense and tax per group. Personal allowances and loss carry-forwards are not applied — each preset's note says what it covers, in **Settings → Taxes** or the [demo project](https://app.mycapitally.com/project/demo-1/settings/taxes). [Tax Presets](https://www.mycapitally.com/help/tax-presets) covers what ships and how to build one for a country that isn't covered. - **[How are tax-sheltered accounts like IKE, IKZE, ISA, IRA, or 401(k) handled?](https://www.mycapitally.com/faq#tax-sheltered-accounts-ike-ikze-isa-ira-401k)** Leave the account without a tax preset and it drops out of the [Taxes Due Report](https://www.mycapitally.com/help/taxes-due-report) while still counting towards performance, income and net worth. Assign a 0% preset instead if you want contributions and withdrawals totalled there. Three ship built in — **Konto Emerytalne (IKE, IKZE, PPK, OIPE)**, **401k or IRA (before tax)** and **Roth 401(k) or Roth IRA (after tax)**. Contribution limits are not modelled; [Tax presets](https://www.mycapitally.com/help/tax-presets) covers cloning one for a partial shelter. - **[Can Capitally calculate tax-loss harvesting opportunities?](https://www.mycapitally.com/faq#calculate-tax-loss-harvesting-opportunities)** Yes. The **Harvestable Tax** metric shows the most tax you could save by closing loss-making positions — a column under Portfolio → Tax Due, and the **Harvestable tax** bookmark on the [Taxable Income Report](https://www.mycapitally.com/help/taxable-income-report). To close specific lots rather than the FIFO ones, use **Transaction lots to close** on the Sell transaction; see [cost basis methods](https://www.mycapitally.com/help/cost-basis-methods). Treat it as the opportunity, not the filing figure: wash sales are not modelled, and built-in presets apply no annual allowances or loss carry-forwards. - **[What happens if I move countries mid-year?](https://www.mycapitally.com/faq#move-countries-mid-year-switch-tax-preset)** Give each residency period its own account. A [tax preset](https://www.mycapitally.com/help/tax-presets) is bound to one country, so the old country's preset runs on one account and the new country's on the other, and both feed the same [Taxes Due Report](https://www.mycapitally.com/help/taxes-due-report). Move open positions across on the move date with a `Convert / Move` transaction — it forwards the cost basis rather than realising a gain. Do not just reassign the preset on the existing account: it carries no date range and would re-evaluate the years before you left too. - **[Does Capitally calculate IRR, TWR, and ROI for individual rental properties?](https://www.mycapitally.com/faq#does-capitally-calculate-irr-twr-and-roi-for-individual-properties)** Yes. A property is a position like any other, so IRR, TWR and ROI all run on it, and income, yield and yield-on-cost come from the `Rent` transactions booked against it. A mortgage is a separate position and stays out of the property's own IRR — keep both in one account and the account-level figure is your after-debt return. [Tracking Real Estate](https://www.mycapitally.com/help/tracking-real-estate) and [Tracking Mortgage](https://www.mycapitally.com/help/tracking-mortgage) cover the setup; [Calculating returns](https://www.mycapitally.com/help/calculating-returns) compares the three methods. - **[Does Capitally measure portfolio risk — drawdown, volatility, Sharpe ratio, beta?](https://www.mycapitally.com/faq#does-capitally-measure-portfolio-risk)** Yes. The [Risk Report](https://www.mycapitally.com/help/risk-report) scores your whole portfolio from 0 to 100 on eleven measurements — 1-year and long-term return, Sharpe ratio, volatility, max drawdown, 30-day Value at Risk, beta against your benchmark, and concentration across regions, industries, categories and currencies — and scores your benchmark the same way for comparison. Up to five plain-language findings explain the result, and every asset is placed on each scale so you can see which holdings carry the risk. The same measures are available as Portfolio columns and charts for any position, account, asset type or tag, over any period. See [Risk metrics](https://www.mycapitally.com/help/risk-metrics). Risk metrics are included in the Navigator, Captain and Founders plans and in the free trial. ### 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)** Because Capitally models the price rather than quoting it — Black-Scholes-Merton and Barone-Adesi-Whaley, fed by historical volatility, an average dividend yield and a configurable risk-free rate. A broker quote also carries the bid-ask spread and intraday volatility. See [Tracking Options](https://www.mycapitally.com/help/tracking-options). - **[Which brokers are supported for options import?](https://www.mycapitally.com/faq#which-brokers-are-supported-for-options-import)** Interactive Brokers, Schwab and Swissquote are natively supported today, including multi-leg trades, assignments, exercises and adjusted strikes. Any other broker works through the [flexible importer](https://www.mycapitally.com/help/import-from-a-broker) against its CSV or XLS export, or by manual entry — [tracking options](https://www.mycapitally.com/help/tracking-options) covers both. If your broker's format isn't supported yet, send a sample file to [support@mycapitally.com](mailto:support@mycapitally.com) and we'll prioritise it. - **[How does Capitally handle margin requirements for sold options?](https://www.mycapitally.com/faq#how-does-capitally-handle-margin-requirements-for-sold-options)** It estimates them from percentages you set — your broker's own figure is never imported. The **Margin Requirement** metric applies your percentage to the underlying's market value for a sold call, the strike for a sold put, and the market value of a shorted stock or crypto. Defaults are 25% on sold options and 50% on shorts, editable in **Settings → Advanced tracking**. Brokers run risk-based models rather than flat percentages, so treat the number as your own estimate. See [Tracking margin requirements](https://www.mycapitally.com/help/tracking-options#tracking-margin-requirements). - **[Can I see options alongside my regular stock positions?](https://www.mycapitally.com/faq#can-i-see-options-alongside-my-regular-stock-positions)** Yes. Every option contract is a lot under its underlying asset, so Apple calls and puts sit in the same **Lots** tab as your Apple stock, each row carrying its strike, expiry, contract count and multiplier. Greeks are per contract, not per portfolio — there is no blended delta-adjusted figure across stock and options. For the dedicated **Options** tab and automatic strategy grouping, see [Tracking Options](https://www.mycapitally.com/help/tracking-options). - **[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)** The **Captain** [plan](https://www.mycapitally.com/pricing) — it also covers private equity, value-based pricing, 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 — delta, gamma, theta, vega and rho on every contract you hold, as columns on one contract, a strategy, an underlying alongside its stock position, or the whole portfolio. They come from a pricing model rather than an exchange feed, so they stay consistent over time and work on illiquid contracts and custom underlyings. [Tracking Options](https://www.mycapitally.com/help/tracking-options) covers the columns and the pricing inputs. ### 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, 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](https://www.mycapitally.com/help/data-safety) has the full encryption model, EU hosting, and one-click export and deletion. - **[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 — by exporting a slice rather than granting access. Select the positions, accounts or transactions you want and [export](https://www.mycapitally.com/help/exporting-data) them to CSV, Excel or Capitally's JSON, which carries the underlying assets and accounts with it and re-imports into an advisor's own Capitally project. Live read-only sharing is on [the roadmap](https://community.mycapitally.com/c/roadmap/6). Until then 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 — 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](https://www.mycapitally.com/help/add-transactions-manually), with [native presets](https://www.mycapitally.com/help/import-from-a-broker) 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?](https://www.mycapitally.com/help/data-safety) explains both. - **[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 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?](https://www.mycapitally.com/help/data-safety) covers the encryption and hosting model; the [Privacy Policy](https://www.mycapitally.com/legal/privacy) is the full legal text. - **[Is Capitally end-to-end encrypted?](https://www.mycapitally.com/faq#is-capitally-end-to-end-encrypted)** 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?](https://www.mycapitally.com/help/data-safety) - **[Can Capitally employees see my portfolio?](https://www.mycapitally.com/faq#can-capitally-employees-see-my-portfolio)** 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?](https://www.mycapitally.com/help/data-safety) - **[Where is my financial data stored?](https://www.mycapitally.com/faq#where-is-my-financial-data-stored)** 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](https://www.mycapitally.com/help/data-safety) lists the hosting providers and the server-side practices on top: TLS in transit, encryption at rest, need-to-know access, access logs. - **[What happens if I forget my password?](https://www.mycapitally.com/faq#what-happens-if-i-forget-my-password)** 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](https://www.mycapitally.com/help/account-and-login) covers the reset flow, and [is my data safe?](https://www.mycapitally.com/help/data-safety) explains the encryption modes and what to check before concluding the data is gone. - **[Does Capitally use AI on my financial data?](https://www.mycapitally.com/faq#does-capitally-use-ai-on-my-financial-data)** 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](https://www.mycapitally.com/help/data-safety) for the encryption model. - **[Is Capitally safe to use?](https://www.mycapitally.com/faq#is-capitally-safe-to-use)** 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?](https://www.mycapitally.com/help/data-safety) has the encryption spec, retention and export. - **[Can two people share one Capitally portfolio?](https://www.mycapitally.com/faq#can-two-people-share-one-portfolio)** Not with two separate logins — Capitally is single-user today. A project's key is derived from your own password, so there is no invite flow, no second seat, no read-only role; sharing a login grants full read-and-write access. If the other person only needs the numbers, [export](https://www.mycapitally.com/help/exporting-data) a filtered slice to CSV, Excel or PDF, or use `Hide my numbers` to show allocation without amounts. [Projects](https://www.mycapitally.com/help/projects) covers multi-entity setups; shared access is on [the roadmap](https://community.mycapitally.com/c/roadmap/6). - **[Does Capitally support two-factor authentication (2FA) or passkeys?](https://www.mycapitally.com/faq#does-capitally-support-two-factor-authentication)** Not natively — no built-in TOTP, SMS or email verification, and no passkey sign-in. Signing in with Google is the way to put a second factor in front of the account today: it inherits whatever multi-factor method your Google login enforces. On an end-to-end encrypted product the layer below sign-in matters more. A **Project Password** derives the encryption key on your device from a secret only you hold, so reaching the account is not the same as reading the data. [Account and login](https://www.mycapitally.com/help/account-and-login#two-factor-authentication) covers both. ## Blog Articles - **[Best Portfolio Tracker for US Investors: Capitally vs Empower vs Monarch Money](https://www.mycapitally.com/blog/best-portfolio-tracker-for-us-investors)** Capitally vs Empower vs Monarch Money compared on data coverage, tax, security, and analytics — and which portfolio tracker fits which kind of US investor. - **[The Best Private Portfolio Tracker for DIY Investors in 2026: Capitally vs Portfolio Performance vs Ghostfolio](https://www.mycapitally.com/blog/best-private-portfolio-tracker)** Capitally, Portfolio Performance, or Ghostfolio? Compare the best private portfolio trackers on encryption, analytics, tax, asset coverage, and price. - **[Capitally vs myFund: which portfolio tracker is best for the Polish investor?](https://www.mycapitally.com/blog/capitally-vs-myfund)** myFund is a low-cost Polish portfolio tracker with IKE/IKZE and tax support. Capitally offers end-to-end encryption, deep analytics, and tax reporting for 11 countries. - **[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. - **[Why track net worth, not just portfolio performance](https://www.mycapitally.com/blog/track-net-worth-not-just-analyze-stock-performance)** Portfolio trackers show one slice of your wealth. Why net worth — including real estate, private assets and liabilities — drives real financial decisions. - **[The best portfolio analysis tool: Capitally vs GetQuin, Sharesight and Snowball Analytics](https://www.mycapitally.com/blog/best-portfolio-analysis-tool)** An investor's comparison of four portfolio analysis tools — Capitally, GetQuin, Sharesight and Snowball Analytics — across privacy, return analytics, tax handling, and how much of your actual portfolio each one can track. - **[getquin vs Capitally: which portfolio tracker fits your strategy?](https://www.mycapitally.com/blog/getquin-review)** getquin is now an AI-driven wealth platform; Capitally is a privacy-first tracker with on-device encryption. A side-by-side getquin alternative comparison. - **[Best Dividend Tracker 2026: An honest review of 5 popular tools to track passive income](https://www.mycapitally.com/blog/best-dividend-tracker)** An honest 2026 comparison of five dividend trackers — Capitally, Sharesight, Snowball Analytics, The Dividend Tracker, and Track Your Dividends — to find the right fit for your portfolio. - **[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 in 2026](https://www.mycapitally.com/blog/best-portfolio-tracker-for-the-modern-diy-investor)** Compare Capitally, Kubera, Sharesight and Snowball Analytics for 2026 — privacy and encryption, alternative assets and liabilities, FX attribution, and tax. - **[Kubera Review: Capitally vs Kubera for Complex Portfolios](https://www.mycapitally.com/blog/kubera-review)** An honest 2026 Kubera review and Capitally vs Kubera comparison — pricing, privacy, transaction history, tax and analytics for high-net-worth portfolios. - **[Capitally vs Snowball Analytics: Review and Comparison](https://www.mycapitally.com/blog/snowball-analytics-review)** Snowball Analytics review and comparison with Capitally: how the two portfolio trackers differ on privacy, asset coverage, tax handling, and pricing. - **[Capitally vs Sharesight: a head-to-head review](https://www.mycapitally.com/blog/sharesight-review)** A head-to-head Capitally vs Sharesight comparison — privacy, asset coverage, tax reporting, analytics, data import and pricing, and which portfolio tracker fits which investor. - **[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 has shut down - what are the alternatives?](https://www.mycapitally.com/blog/stockmarketeye-tracking-app-is-shutting-down-what-are-the-alternatives)** StockMarketEye shut down in 2023. Compare 5 alternatives: Capitally, Kubera, Portfolio Performance, Stock Rover, Sharesight - privacy, assets, tax & price. ## 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)** Capitally has no App Store or Play Store download — install it from your browser on Mac, Windows, iOS or Android. Supported browsers, offline use and uninstalling. - **[Market Data](https://www.mycapitally.com/help/market-data)** Markets, asset types, currencies and economic indicators Capitally covers, how fresh the prices are, where exchange rates come from, and how to request a missing asset. - **[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. - **[Your account & signing in](https://www.mycapitally.com/help/account-and-login)** One address is one account, what signing out clears, how your password relates to encryption, and how to change your account email, switch sign-in method or delete the account. - **[Subscription & billing](https://www.mycapitally.com/help/subscription-and-billing)** Manage your Capitally subscription: automatic renewal, refunds, card updates, failed payments, invoices with a company name and VAT ID, and discount codes. - **[Portfolio metrics reference](https://www.mycapitally.com/help/portfolio-metrics)** What Invested Principal, Principal Change, Market Value, Total, Capital, Currency and Realized Returns mean in Capitally — and how they reconcile. - **[Getting help](https://www.mycapitally.com/help/getting-help)** Write to Capitally support from inside the app. Add diagnostics or an anonymized copy of your project in one click, and check that personal data is masked before anything is sent. - **[Concepts](https://www.mycapitally.com/help/concepts)** Let's dive into concepts that are the building blocks of Capitally. - **[Projects](https://www.mycapitally.com/help/projects)** A project holds all your accounts, assets and settings. How to create, switch, rename and delete one, and how many projects each plan includes. - **[Summary](https://www.mycapitally.com/help/summary)** The two headline panes are filters you pick, Summary always renders in the project's default currency, and max and hold follow the filter - the three reasons a figure differs from Portfolio. - **[Portfolio](https://www.mycapitally.com/help/explorer)** Navigate the Portfolio view: filters, metrics, currency, date periods and grouping — plus charts, table columns, finding transactions, and exporting data. - **[Calculating returns](https://www.mycapitally.com/help/calculating-returns)** How Capitally calculates returns with MWR, TWR and ROI, when to annualize them, and why your rate of return can differ from your broker's. - **[Risk metrics](https://www.mycapitally.com/help/risk-metrics)** How Capitally measures drawdown, volatility, Sharpe ratio, Value at Risk, correlation with your benchmark and regional or sector diversification for any position, account or group — as columns and as charts. - **[Filters](https://www.mycapitally.com/help/filters)** The five built-in filters — Liquid assets, Opened, Owned, Owed, With Income — the full condition reference, And/Or grouping, and why closed positions vanish from your totals. - **[Accounts](https://www.mycapitally.com/help/accounts)** Set up accounts that mirror your real broker and bank accounts, hold several currencies in one, move positions between them, and hide closed or empty ones. - **[Assets](https://www.mycapitally.com/help/assets)** What an asset is in Capitally, how to organize and price one, the difference between Cash and Deposit, custom logos, and what deleting an asset does to your past results. - **[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)** Which transaction type to use in Capitally — Buy, Sell, Transfer, Convert/Move, Dividend, Other and Account Balance — plus cost basis, fees, taxes and cashflow. - **[Account Balance](https://www.mycapitally.com/help/account-balance)** Set a position's total on any date: the fields, the cost-basis price, closing a position with quantity 0, and opening balances when broker history runs short. - **[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. - **[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 Presets](https://www.mycapitally.com/help/tax-presets)** Built-in tax presets for Poland (PIT-38), Germany, the UK, the US, Italy, the Netherlands, and Spain - and how to clone one, change its cost basis method, or write your own rules. - **[Polish tax reporting](https://www.mycapitally.com/help/polish-tax-reporting)** Assign the Konto Inwestycyjne (PIT-38) preset, read NBP rates through PLN.CB, match D+1 to other Polish calculators, and group sales by country for PIT/ZG. - **[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. - **[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. - **[Settings and display preferences](https://www.mycapitally.com/help/app-settings)** Where Capitally's settings live, how to change language, number and date formats and decimal places, and why declining Functional cookies reopens the Demo project. - **[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. - **[Choosing the right market symbol](https://www.mycapitally.com/help/choosing-the-right-asset-symbol)** Find assets by ISIN, ticker or name, see what the Symbol, Market, ISIN and Currency fields actually drive, and request an instrument that isn't in the database yet. - **[Tracking Dividends](https://www.mycapitally.com/help/tracking-dividends)** How dividend tracking works in Capitally: automatic dividends, ex-date vs payment date, withholding tax on imports, DRIP, duplicates, and yield on cost. - **[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. - **[Tracking RSUs and employee share plans](https://www.mycapitally.com/help/tracking-employee-equity)** Record each RSU vest at its vest-date price, forward-date the tranches still to come, move shares out of lock-up with a Convert/Move, and set the cost basis so returns and tax come out right. - **[Tracking Cash](https://www.mycapitally.com/help/tracking-cash)** Enable cash tracking in the right mode, keep imports from back-filling negative balances, reconcile against your broker, and track currency positions as assets. - **[Tracking Real Estate](https://www.mycapitally.com/help/tracking-real-estate)** Track a property's market value, rent, expenses and mortgage in Capitally — how to record renovation costs, how often to revalue, and what counts toward invested principal. - **[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. - **[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)** Which bonds Capitally prices automatically, how to track the rest as custom assets, record interest and deposit renewals, and read returns on fixed income. - **[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 Precious Metals](https://www.mycapitally.com/help/tracking-precious-metals)** Track physical gold and silver with automatic XAU and XAG prices: convert grams to troy ounces, count in whole bars, and group coins and bars with tags. - **[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. - **[Duplicates and re-importing](https://www.mycapitally.com/help/import-duplicates-and-reimporting)** What Capitally compares when detecting duplicates, what the Duplicate and Update statuses do, how to force an update, and what to do when a real row is flagged. - **[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)** Create a custom asset for anything Capitally doesn't list - futures, private notes, pre-IPO shares - choose its type and category, add the opening transaction, and price it. - **[Setting custom asset prices](https://www.mycapitally.com/help/setting-custom-asset-prices)** Set prices on any asset four different ways, see how Capitally values a date with no price, and keep manually updated positions from going stale. - **[Exporting Data](https://www.mycapitally.com/help/exporting-data)** Export your portfolio to CSV, Excel, JSON, or Markdown for AI agents — and use the JSON export to back up, restore, or copy a whole project. - **[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. - **[Reports](https://www.mycapitally.com/help/reports)** Capitally's Reports answer specific questions — how risky your portfolio is, what income is taxable and how much tax is due — unlike Portfolio, which is for exploring and managing your assets. - **[Risk Report](https://www.mycapitally.com/help/risk-report)** How the Capitally Risk Report scores a portfolio from 0 to 100 across returns, Sharpe ratio, volatility, drawdown, Value at Risk, beta and diversification, and how to read its findings, scales and charts. - **[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)** Enable the columns your tax form needs - acquisition date, exchange rates, tax still to be paid - export them, and read negative tax due, period filters, and country grouping correctly. - **[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. - **[Troubleshooting](https://www.mycapitally.com/help/troubleshooting-data-issues)** Start here when a number looks wrong. Match what you're seeing to the right page - imports, balances and cash, returns, prices, dividends or the app itself. - **[Troubleshooting the app](https://www.mycapitally.com/help/troubleshooting-the-app)** Fix Capitally when it won't load, throws an error, freezes, or shows different numbers on two devices — a ladder of fixes from a reload to a full local reset. - **[Returns and charts look wrong](https://www.mycapitally.com/help/troubleshooting-returns)** Why your return differs from your broker, why IRR isn't profit over capital, and what a chart spike, -100%, 0%, NaN or a post-sale drop actually means. - **[Prices, symbols and market data](https://www.mycapitally.com/help/troubleshooting-prices)** Fix a price that looks wrong, stale-results warnings, failed price fetches, and symbols that were renamed, delisted or dropped by the data provider. - **[Import problems](https://www.mycapitally.com/help/troubleshooting-imports)** Wrong totals, missing rows, NaN returns and double-counted cash after an import - the checks to run, in the order worth trying. - **[Dividends missing or wrong](https://www.mycapitally.com/help/troubleshooting-dividends)** Why a dividend amount doesn't match your broker and why some holdings show none at all — withholding tax, DRIP, GBX amounts, non-primary listings and funds. - **[Balances and cash don't match](https://www.mycapitally.com/help/troubleshooting-balances)** Why your portfolio value or cash balance differs from your broker: rounding, negative balances, GBX pence, option-expiry cash, and how to find the transaction behind it. - **[Problems with specific brokers](https://www.mycapitally.com/help/troubleshooting-brokers)** The export traps behind the brokers that cause most bad imports - Flex Query mistakes, two-file exports, missing ISINs and reports that leave crypto out. - **[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. ## 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) - [Trade Republic](https://www.mycapitally.com/brokers/trade-republic) - [Wealthsimple](https://www.mycapitally.com/brokers/wealthsimple)