See beyond the spreadsheet

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 or Yodlee to link to your broker automatically, these often require you to share your broker login and rarely deliver complete data. They typically only provide current balances or, at best, the last ~3 months of transactions — and almost never surface the events that move cost basis: corporate actions, dividend reinvestments (DRIP), FX conversions, deposits and withdrawals. If your broker isn't supported, which can often be the case depending on your location, you're left with manual input as most trackers don't handle bulk imports well.

Direct CSV exports go back to the day the account was opened and keep that full transaction trail intact. That's not just a privacy win — it's a precision win. With every lot, every DRIP run and every corporate action included, returns calculate correctly over the real holding period and cost basis is auditable for tax purposes. Manual entry preserves the same fidelity for assets that have no broker feed at all.

At Capitally, we prioritize your privacy and the depth of your data. That's why we're focusing on perfecting CSV imports first. Eventually, we plan to offer automated synchronization as well, so you can enjoy the best of both worlds.

Yes. You can cancel anytime from Settings → Subscription, and you keep full access until the end of the period you've already paid for. Resubscribing at any point picks up exactly where you left off.

If your subscription ends, your data stays available for 6 months — long enough to come back without rebuilding anything. To delete it sooner, delete your account in Settings → My Profile.

Active subscriptions lock in the price from the day you signed up. If our pricing changes later, your rate stays the same as long as the subscription is continuous. Cancelling and resubscribing later means paying the current rate.

Plan switches work as a prorated credit. We calculate the unused portion of your current plan, apply it as credit toward the new one, and you pay only the difference. Downgrading means no further charges until the credit runs out.

Your financial data is end-to-end encrypted on your device with AES-GCM, using a key derived from your password — Capitally itself cannot decrypt it. We never connect to your broker or bank either: no Plaid, no Yodlee, no open-banking aggregator, no shared credentials. If our database were ever breached, the extracted data would be unreadable.

The CSV-only import path is also more accurate than aggregator sync. Broker exports usually go back to the day the account was opened and carry the corporate actions, dividend reinvestments and FX conversions that aggregators tend to drop — so cost basis stays auditable and returns reflect the real holding period.

We don't sell financial data, behavioural patterns, or any other personal information. Product analytics are limited to feature adoption and performance, are opt-out, and never include the size or value of your investments.

All servers and databases live in EU data centres, with TLS in transit, encryption at rest, and standard security practices on top of the per-user encryption. Export and permanent deletion are one-click operations inside the app — no email required.

For the full encryption model — including PBKDF2 key derivation, RSA-OAEP key wrapping, and how multi-device sync stays zero-knowledge — see the data safety guide.

Yes. Liabilities live in the same project as your assets — modelled as custom Loan or Mortgage assets with negative quantity — so the portfolio view shows Owned, Owed, and the Debt Ratio (owed / owned) side by side. Mortgages, margin loans, and lines of credit all fit the same pattern.

Interest payments and principal repayments record as separate transactions, so the cashflow they generate flows into the money-weighted return of both the liability and the asset it finances (e.g. a mortgage attached to the property it paid for).

Walkthroughs: Tracking Debt for general loans, Tracking Mortgage for mortgages with automatic interest calculations and real-estate linkage. Deeper liability features (built-in amortisation schedules, scenario modelling) are on the roadmap.

Custom assets carry a user-controlled valuation curve — enter one valuation, a handful, or a full price series, in any currency you paid in. Capitally holds the last valuation forward until the next update, and reconciles everything into your base currency for portfolio-level views.

You can add valuations one by one in the UI or paste / import a price table when you have a longer history (broker exports, appraisal records, prior-tracker data). Income and expenses on the asset (rent, maintenance, custodian fees) record separately from valuations and feed into the money-weighted return.

Walkthroughs: Tracking Real Estate and Tracking Collectibles.

Yes. Each asset has its own cashflow ledger, so you can log expenses alongside acquisitions, valuations, and income — property maintenance, custodian fees, insurance, management fees, transaction costs, anything that affects your real return.

Expenses flow into the asset's cost basis and into your money-weighted return, so a real-estate or private-equity position shows the actual after-cost performance rather than just the price-vs-purchase delta. You can categorise each cashflow and reconcile it into your base currency if it was paid in a different currency.

For ongoing costs like a fund's management fee, log them as they're incurred or import them in bulk from a CSV.

The Sailor plan covers up to 25 years of historical valuations and transactions. The Navigator and Captain plans have no internal limit — you can import as far back as your broker statements go.

Long histories are useful for accurate long-term TWR and money-weighted return, especially if your portfolio has been through one or more market cycles. Capitally re-prices the full history on import, so day-one cost basis and currency impact are both reconstructed exactly.

Not on individual metrics. Threshold alerts (e.g. "ping me when AAPL crosses 200" or "when portfolio drawdown exceeds 10%") would require Capitally's servers to read your portfolio in real time, which the end-to-end encryption model deliberately prevents — your data is unreadable to us.

You can schedule recurring digest notifications instead: a daily, weekly, or monthly push notification on your phone or desktop summarising portfolio returns. Because of the encryption, we can't send it by email — your device computes the performance locally and displays it as a notification, so the encryption guarantee stays intact.

Yes. You can export a filtered slice of your portfolio — selected positions, accounts, or transactions — to CSV, Excel, or Capitally's JSON format. The JSON export carries the underlying assets and accounts with it and can be re-imported into a separate Capitally account, useful when an advisor or accountant uses Capitally as well.

Live, read-only sharing of a portfolio subset is on the roadmap. Until then, exports are the privacy-preserving path: you decide exactly what leaves the encrypted store and in what format.