At Capitally, we believe that investment tracking is just the beginning, not the end. Yes, it's essential to keep an eye on your investments, but it's equally important to understand them in the context of your overall investment strategy.
Our goal is to assist you in not only finding and implementing your investment strategy but also maintaining it over the long term (we're still working on this aspect).
When it comes to tracking, we have a slightly different take on a few things:
You have the freedom to track either broad account balances or detailed transactions - the level of detail is entirely up to you.
Custom assets can be tracked just like standard ones, complete with price history and transactions.
You can import data from any table, whether it's an export from your broker or a spreadsheet you've created.
Your data is encrypted and stored on your device - it's yours, and you can export it all at any time.
You can find more information about these features in other sections of this FAQ.
Capitally automates the manual work and unlocks deep performance analysis that is difficult and error-prone in Excel. It handles complex calculations like Time-Weighted Returns and currency impact automatically, preventing broken formulas and saving you hours of maintenance.
Capitally is designed with long-term investors in mind, particularly those who have or are planning to build a diversified portfolio across various assets and brokers.
If you're someone who has previously managed your finances using a spreadsheet, you'll find Capitally to be a familiar yet enhanced experience. It's specifically designed to excel at analyzing the historical performance of your investments, making it a significant upgrade from your typical spreadsheet.
Capitally is a truly global platform, with no territorial limitations. We support all national currencies and major markets worldwide.
Even if we don't have data for your local mutual fund, don't worry - you have the option to add it yourself. We've specifically designed Capitally to be inclusive and accessible to everyone, everywhere.
It replaces the need for a spreadsheet for portfolio tracking and analysis. You get more power, more automation, and more reliability, all while keeping the direct data control that made you choose spreadsheets in the first place. You can still export your data to CSV anytime.
Most migrations come in through one of three flows: paste from a spreadsheet, import a CSV / Excel export, or rebuild from broker statements. Capitally's importer maps columns to its transaction model on the fly and saves the mapping as a reusable preset variant, so a recurring source — your spreadsheet, a Kubera CSV, a Sharesight export — imports cleanly the second time.
For spreadsheet users (Excel, Google Sheets), the paste flow handles transactions, balances, and price history without changing the spreadsheet's format. For users coming from Sharesight, Snowball Analytics, Portfolio Performance, Delta, myFund or StockMarketEye - there are built-in presets. For any other tracker that exports CSV or Excel, like Kubera, Personal Capital / Empower, the same flow applies — the flexible column mapper handles whatever schema the export uses.
For broker-statement migration, native presets cover Interactive Brokers, Degiro, TastyTrade, Schwab, Coinbase, Kraken, XTB, Fidelity, Vanguard, Saxo, eToro, Trading 212, and many more; less common brokers are usually one column-mapping away. If your tracker has data Capitally doesn't yet handle directly, send a sample export to support@mycapitally.com — new presets get added regularly.
Capitally is a subscription-based service and we currently do not offer a Free tier. Instead, we have a 14-day fully-featured Free Trial that doesn't require a Credit Card, so you have ample time to check if it works for you.
As we continue to add more features and enhance the application, the subscription prices will increase and additional plans will be introduced. The good news is, by subscribing early, you can lock in the price from the day you subscribe.
Want to stop your subscription? No problem! You can cancel anytime and still use everything until your paid time runs out. Changed your mind later? Just turn it back on!
Don't worry about your work - if your subscription ends, we'll save all your data for 6 months. This means you can come back anytime within that period and pick up right where you left off. If you prefer to have your data deleted sooner, just drop us a message at support@mycapitally.com and we’ll take care of it.
Here's a nice bonus: staying subscribed locks in your current price. Even if our prices go up later, you'll keep paying the same amount you started with. (Just remember - if you cancel and come back later, you'll need to pay the new rates.)
Want to switch to a different plan? You can do that anytime too! Here's exactly how it works:
We'll look at how much you've already paid and haven't used yet
This amount becomes credit towards your new plan and future payments
You'll only pay the extra difference
So when you downgrade to a cheaper plan you won't need to pay anything until your credit runs out.
The money you already paid never goes to waste - it just moves to your new choice! 🙂
Sure thing! When making a payment, make sure to provide your Tax ID. If you own a European business, ensure it's a European ID (starting with the country code).
You'll receive a link to an invoice via email, and all past invoices are accessible in the app under Settings -> Subscription.
Private equity tracking, value-based pricing, stock options, and lot groups are all included in the Captain plan. All plans start with a 14-day free trial with full access — no credit card required.
The Navigator and Captain plans support unlimited history. The Sailor plan supports up to 25 years of transaction history.
Capitally features a robust importing interface that allows you to easily upload CSV or XLS files from any broker or app that provides transaction history or account balances. You can even copy and paste data from your own spreadsheet if you have one.
We currently support a growing list of brokers natively, including Interactive Brokers, Degiro, TastyTrade, Schwab, Coinbase, Kraken, and XTB, among others.
For individual transactions, you can simply add them manually. If you're only tracking account balances, you can update them directly in the table, along with the current market price.
While many trackers use services like Plaid to automatically synchronize account balances, these often require you to provide your bank login details and may not always be accurate. They typically only provide account balances and sometimes up to 3 months of transactions. If your broker isn't supported, which can often be the case depending on your location, you're usually left with the tedious task of manual input as most trackers don’t support bulk import well.
At Capitally, we prioritize your privacy and aim to give you more control over your data. That's why we're focusing on perfecting CSV imports first. Eventually, we plan to offer automated synchronization as well, so you can enjoy the best of both worlds.
Yes. You can directly copy and paste your transaction data from any investment tracking template into Capitally. You can also import any CSV or XLS file without needing to change its format, making the transition seamless.
The answer is both yes and no. There are essentially two types of trackers:
Balance trackers: These focus on your current wealth distribution and how it has changed over time. They're quick and easy to use, but they might not provide the level of detail you need, for example to analyse transaction costs, or do taxes.
Transaction trackers: These provide a more detailed and accurate picture, but they often require a lot of manual input, which can be time-consuming.
Capitally offers the best of both worlds. You can quickly update account balances for a high-level overview, or add individual transactions for more accuracy. You have the freedom to mix and match as you please, and you can even switch your tracking style at any time.
Your data will be securely stored for at least 6 months after your trial ends, so you can come back without losing your investment history. If you prefer to have your data deleted sooner, just drop us a message at support@mycapitally.com and we’ll take care of it.
Capitally offers a high degree of flexibility when it comes to tracking assets, and we have plans to expand this even further. Our goal is to create a tool that allows you to analyze all aspects of your wealth, including liabilities.
At present, we directly support:
Stocks, ETFs, Currencies, Cryptocurrencies, Commodities, Indexes - check out the full list of all markets for which we provide pricing and dividend data.
Cash accounts in any national currency.
Real estate and startup ventures.
Art, watches, antiques, cards, and other collectibles.
Bonds, deposits, and other fixed-income instruments - currently, these are priced manually, but automated support is on our roadmap.
For each type of asset, you can track individual transactions or just current balances, along with historical market prices.
Yes! Capitally lets you track liabilities together with your assets, so you always see your real net worth. How to do it? Check out this guide. Even more advanced support for this feature is coming soon - keep an eye on our roadmap for updates!
Yes. You can log any transaction costs.
With Sailor Plan, you can access up to 25 years of historical valuations. On higher plans, there’s no internal limit.
Private equity tracking is for LP fund investments where you know the price per unit and need to track capital commitments, calls, and distributions with PE-specific metrics like DPI and TVPI. Value-based pricing is for managed accounts where you only know the total account value and your cashflows (deposits and withdrawals) — no per-unit breakdown. You enter the NAV and cashflows, and Capitally calculates your returns.
Yes. You can combine PE funds, managed accounts, stocks, ETFs, crypto, and any other asset type in the same project. All metrics and reports work across everything.
Capitally supports importing from many brokers and platforms. For fund administrators that provide CSV or Excel statements, use the flexible import tool to map columns. You can also enter transactions manually.
Each transaction is recorded in the currency you paid in — USD trades stay in USD, EUR trades stay in EUR — and reconciled into your base currency at the FX rate of the trade date.
You can switch the viewing currency at any time, or make it depend on the section of portfolio you are viewing.
Returns are decomposed via FX attribution: the overall return splits into the capital gain of the underlying asset and the currency gain or loss from FX moves. A 12% USD-equity return translated to a 4% EUR-equity return is a different story than a 12% EUR-equity return — Capitally can show both halves separately so the FX impact isn't hidden inside the headline number.
Cash, dividends, and withholding tax all carry their original currency through, which makes life simpler at tax time for expats holding accounts in two or more countries. Native pricing covers 100+ currencies and exchanges across North America, Europe, APAC, South America, and beyond — see the supported markets and assets. You can change base currency later without losing the local-currency record.
Yes. A single Capitally project can hold any number of accounts — each one a logical container for a broker account, bank account, pension, wrap account, or any other portfolio slice you want to keep separate. Name them however you like (Personal IBKR, Company Schwab, Trust Vanguard, Joint Saxo, IRA, ISA, IKE/IKZE, etc.). Reports filter by account, by asset class, by tag, or roll up into a single net-worth view across everything.
Liabilities (mortgages, margin loans, lines of credit) live in the same project as assets, so a true net-worth view nets debt against holdings. See Tracking Debt for the setup. Performance metrics — TWR, money-weighted return / IRR, FX attribution, cost basis — work at any level: per account, per filter, or for the entire portfolio.
When entities need to stay strictly separated (e.g. a personal portfolio and a company portfolio that must never mix in any report), use multiple projects and switch between them in the UI — same login, fully isolated data.
If you don’t use Capitally for tax reporting, you don’t need to import dividends from your broker - you can do it just once a year or whenever you prefer.
If you want to settle your tax with Capitally, first you need to upload a list of dividend companies you own. Then all dividends will be automatically added to your portfolio based on market data. If you prefer, you can enter them manually. Then the manual records will override the automatic one, so don’t worry about duplicates.
Yes! You can track dividends from international stocks and funds just like any others. Also you can manually enter or import any tax withheld at the source directly from your broker’s data.
Capitally calculates future dividend projections using the last 5 years of dividend payments for publicly traded instruments (regardless of whether you held them the whole time). For custom assets, we use the last 5 years of data you’ve entered. The next expected dividend amount is calculated as the last dividend paid multiplied by the average growth rate over the last 5 years.
Currently, there’s no such option. Check our roadmap to see if this is planned for a future update!
Yes. Just add a manual transaction and select the type: dividend, rent, or interest. This way, you can track any kind of passive income stream, even if it’s unconventional.
In the app, you’ll see a list of all upcoming dividend payments for your holdings, including expected dates and amounts.
Yes! With the Navigator Plan, you can create additional Test Projects, and within each project you can set up multiple Accounts to simulate different dividend strategies. You can then compare these Accounts side by side on a single chart to evaluate how each strategy performs over time.
Please note: it's not possible to compare different Test Projects directly – comparisons are only available between Accounts within the same project. and only with Navigator Plan.
Absolutely! We automatically include dividend payouts for any eligible stock market assets you've added, including both stocks and ETFs. Please note that these may differ from what your broker reports due to taxes and transfer delays, but you can easily verify and correct them if necessary.
Not only that, we allow you to recognise and compare fixed income from other types of investment, like Bonds or Real Estate Rental.
Yes. Capitally tracks cost basis at the tax-lot level — in the currency of each trade and reconciled into your base currency. Capital-gains reports are produced from a country-specific tax preset, covering FIFO/LIFO conventions, holding-period rules, exemption thresholds and the treatment of foreign dividends and withholding tax.
If you move jurisdictions or hold accounts across borders, you can switch tax presets at any time and the calculations follow.
All market-traded assets in Capitally are updated daily using the previous day’s official end-of-day closing prices.
For any unique or non-publicly traded assets, you can quickly update values manually whenever you want.
You can manually enter and update the value of any asset that doesn’t have a public price - whether it’s a private investment, real estate, or anything unique. You can also conveniently paste a table with prices, or import a file.
You can manually add and update the value of any asset, whether it’s a painting, a property, or something else. You can enter values one by one or upload entire spreadsheets with price data. Need a hand? Check out tutorials: Tracking Real Estate or Tracking Collectibles.
Currently you can’t set custom metric or threshold alerts due to our encryption model. However, you can schedule recurring notifications - like a weekly summary of your portfolio value and returns - to stay up to date.
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.
Time-weighted return (TWR) strips out the effect of when you added or withdrew money — useful when you want to judge your strategy and compare against a benchmark. Money-weighted return (MWR), also called IRR, includes the timing of your cashflows — useful when you want to judge your actual investor return, including whether you got the timing right.
A simple example: if you held an ETF that returned 10% on a $1,000 starting balance but added another $9,000 right before a 5% drawdown, your TWR is still positive (the strategy did fine), but your MWR is roughly negative (you lost money in absolute terms because of the timing). Both are correct; they answer different questions.
Capitally can compute both metrics, for every account, every asset class, and the whole portfolio. Use TWR to compare your strategy against the S&P 500, MSCI World, or any custom benchmark. Use MWR/IRR to see what the portfolio actually did for you, dollar in, dollar out. Switch between them right in the portfolio dashboard. For the full methodology breakdown, see measuring investment performance.
Capitally supports six cost-basis methods: FIFO (first-in, first-out), LIFO (last-in, first-out), HICO (highest cost first), LOCO (lowest cost first), Manual specific-lot identification, and Average Cost Basis (ACB) with both Asset and Asset+Account pooling. You can configure the method per project, per account, per asset, or per position — the most specific setting wins. See cost basis methods for full details and worked examples.
Manual specific-lot identification is the basis for tax-loss harvesting: when you sell a partial position, Capitally lets you pick which lots to close, shows the realised gain or loss for each combination, and updates the remaining cost basis accordingly. The choice flows into the country-specific capital-gains report so the tax document reflects the actual lots you closed.
Multi-currency cost basis is preserved at the trade currency, so cross-border investors see both the local-currency realised gain (what the broker reports) and the base-currency realised gain (what their home tax authority cares about). Built-in tax presets for Canada, the UK, Germany and other jurisdictions wire the right method automatically — e.g. ACB with Section 104 same-day and 30-day matching for the UK.
Yes. Because Capitally models prices rather than pulling them from exchanges, you can create a custom asset, attach options to it, and have Capitally compute fair value and Greeks based on its price history. This works even for options not listed on any exchange.
Capitally uses theoretical models with historical volatility, long-term dividend yield averages, and a configurable risk-free rate. Market prices may differ due to intraday volatility changes, supply/demand imbalances, or bid-ask spreads. The goal is consistent portfolio-level analytics rather than tick-by-tick replication of broker quotes.
Currently, we have native support for Interactive Brokers (IBKR) options imports. If you use a different broker, send us a sample export file and we'll work on adding support for it. You can always add options manually, or create an importer yourself for any broker or data source.
Capitally tracks margin requirements for sold options and short positions. You can customize margin percentages in Settings to match your broker's requirements. The margin requirement value shows the minimum portfolio value needed to cover your obligations. For sold options, the underlying asset's market value is multiplied by the percentage.
Absolutely! Options appear as lots under their underlying asset. For example, your Apple options will show under your Apple position, alongside your regular stock lots. You can also enable a dedicated Options tab in Settings for a cleaner view when actively trading options.
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.
Stock options tracking is available only on the Captain plan, along with unlimited projects and Private Equity support (coming soon).
Yes. Each option contract carries its own Greeks — delta, theta, gamma, vega, and rho — computed from the underlying's price, the contract's strike and expiry, historical volatility, the long-term dividend yield, and a configurable risk-free rate. The portfolio rolls up to a delta-adjusted exposure across equities and options together.
Greeks are visible at the contract level (per option), at the strategy level (covered call, vertical spread, iron condor, etc.), at the underlying level (all contracts on AAPL combined with the AAPL stock position), and at the portfolio level (total delta exposure across everything you hold).
Because Capitally models option prices rather than pulling tick-by-tick from an exchange, Greeks remain consistent over time and work even on illiquid contracts or options on custom underlyings — useful for retail investors building multi-leg strategies who want one consolidated view of theta decay, gamma risk, and net delta. See the stock options feature page for an overview.
We don't sell or analyze your financial data or behavioral patterns. Our focus is solely on delivering the best user experience, which involves analyzing the general adoption of features and application performance, all in accordance with our Privacy Policy.
In fact, your financial data is encrypted on your device using a private key that's derived from your password. This means that only you can decrypt this information. Neither we nor anyone else can access this data, even if we wanted to.
This ensures that even in the unlikely event of a security breach or if one of our contractors acts inappropriately, the data that could potentially be extracted from our systems would be useless. This is a level of security that sets us apart from our competitors.
Additionally, we adhere to industry-standard security best practices:
We utilize a trusted computing platform (Google Cloud).
All server communications are encrypted with HTTPS.
All data is encrypted at rest.
Access to data is granted on a need-to-know basis and is logged.
We implement robust security measures to keep our systems secure.
For a more detailed explanation of our encryption mechanism, please refer to our security guide.
Definitely! You can export any part of your portfolio to a CSV or Excel file, or even as a JSON file for import into another Capitally account. Currently there’s no way to give someone live access to your account - but this feature is already on our roadmap!
No. Capitally never connects to your bank or broker through Plaid, Yodlee, or any other open-banking aggregator — brokerage and banking credentials stay with you. There's no shared password, no read-only API token, no third party in the data path. See data safety for the full encryption and hosting model.
Imports go through CSV, Excel, paste from a spreadsheet, or manual entry. Most major brokers — Interactive Brokers, Degiro, TastyTrade, Schwab, Coinbase, Kraken, XTB, and many others — have native CSV presets, so the first import is usually a single-file upload. For brokers without a preset, the flexible importer maps columns to Capitally's transaction model on the fly. This model ensures that all your transaction data is included in full and can be used for accurate tracing of cost-basis - especially important for tax purposes.
The tradeoff: there's no auto-sync, so importing a new month of activity is a deliberate action you take, not something that happens silently in the background. That's the right fit for advanced DIY and HNW investors who want to keep brokerage credentials out of third-party hands — not the right fit for someone who explicitly wants a one-click bank-aggregator dashboard.
Yes. Capitally is built and operated under GDPR. Servers and databases sit in EU data centres, and the underlying portfolio data is end-to-end encrypted on your device with AES-GCM — Capitally itself can't read it, so the GDPR data-minimisation and purpose-limitation principles are enforced at the cryptographic layer rather than just at the policy layer.
Export and permanent deletion are one-click operations inside the app, with no email or support ticket required. Export covers all your portfolio data - decrypted on your device, then saved as CSV, Excel, or JSON. Deletion permanently removes the encrypted store along with the surrounding metadata.
We don't transfer personal data outside the EU, don't sell or rent it, and don't run third-party advertising trackers on the app. See data safety for the encryption model, or the Privacy Policy for the full legal text.