One number on the surface, and a complete financial picture underneath. Here is what you get, area by area.
One net-worth number, with how it changed since yesterday, last week and last month, and everything that sits behind it one click away.
Top movers this week
Bitvavo
Crypto
VWRL
FTSE All-World
Account health
Net worth, assets and liabilities
Your total up front, with assets and liabilities beside it. Open either one for a full breakdown down to the individual account or holding.
A history that stays honest
A daily snapshot builds your full timeline, from one week to all-time. Disconnect an account and it leaves the past too.
Top movers and recent activity
What changed this week, surfaced up front so you see it without digging.
Account health and a hide-balances toggle
Anything that needs a reconnect or refresh is flagged early. Blur every figure with one tap when someone is looking over your shoulder.
Every transaction from a connected account is categorised automatically, so the numbers actually mean something.
This month
vs. last month
Categorised on our own servers
A model running entirely on Gylder's infrastructure sorts every transaction. Your transaction details never leave.
Transfers and trades excluded
Movements between your own accounts and investment buys and sells are recognised and kept out of your spending totals.
Correct once, and it learns
Change a label and Gylder applies it to similar transactions from the same merchant going forward.
Per-category trends
Open any category for a multi-week trend and spending rate, so a creeping subscription is obvious.
For your portfolio, Gylder goes well past a single figure. This is where the daily snapshot turns into real insight.
VWRL
FTSE All-World
€38,210
+12.4%
IWDA
MSCI World
€24,880
+9.1%
ASML
ASML Holding
€11,540
+31.7%
AAPL
Apple Inc.
€6,120
-2.3%
Cost basis and profit or loss
What you paid, what it is worth now, and your unrealised gain per holding, in euros and as a percentage.
Performance against a benchmark
Compare against a world index or the S&P 500, split into price, dividends and currency. Returns are money-weighted, so deposits don't distort the picture.
Dividends, yield and allocation
Dividend income, your yield on what you actually paid, projected annual income, and a clean asset-class breakdown.
Concentration and per-position detail
See when one holding dominates, and open any position for its price history, quantity over time and the trades behind it.
Your currency
Everything you hold is valued in euros today, converted automatically using official European Central Bank rates.
Support for viewing your wealth in other currencies is on the way.
Set a target net worth and a date. Gylder shows your progress and, at your current pace, when you would get there. A projection from your own history, not advice.
Target: €250,000
by Dec 2028
At your current pace, on track for March 2029.
Gylder watches your accounts so you don't have to refresh the app. Choose what is worth knowing, set the thresholds, and pick how you are notified. On the first of each month, a short recap of what changed lands in your inbox.
A house is usually the largest line on the balance sheet and the worst served by a spreadsheet. Gylder handles both sides of it.
Net equity
€312,400
Loan-to-value
58%
Deductible interest
€7,120 / yr
Value over time
Record your own valuations, and between them Gylder estimates the home's value using an official Dutch house-price index for your area.
A real mortgage model
Multiple loan parts, each with its own repayment type (annuity, linear or interest-only), interest rate, fixed-rate period and penalty-free room.
The numbers that matter
Net equity, loan-to-value, a full payment schedule split into principal and interest, and your tax-deductible interest.
Life events handled
Log extra repayments, rate resets and construction-deposit drawdowns, and the schedule recomputes itself.
You are handing over financial data. Here is exactly how it is held.
Encrypted before it is stored
Every balance is encrypted with AES-256-GCM using a key unique to you. We cannot read your figures.
Read-only by nature
Connections can only ever read. Gylder never trades, transfers or touches your funds.
Kept in the EU, two-factor sign-in
All data lives in Frankfurt, Germany, GDPR-compliant by design, and every login uses two-factor authentication.
Yours to take and to delete
Export everything in one click. Ask us to delete, and your data becomes permanently unrecoverable. We never sell data.