True story behind your returns
Portfolio tracking app with in-depth performance insights, backtesting capabilities, and asset allocation analysis. Make smarter decisions today, gain higher returns tomorrow.
Trapped in analysis limbo? You're not alone…
Most investment platforms provide surface-level insights, leaving you with more questions than answers. You can't optimize what you can't measure, yet most tools ignore critical factors like fees, currency effects, and timing. The result? A "black box" where you never truly know what's driving your returns.
You need a solution that transforms complex data into clear insights and analyzes your entire strategy with precision. A tool that drills down into specific metrics, compares across any time period, and shows you exactly what's working in your portfolio - and what is not.
Portfolio analysis app
Investment analysis at your fingertips
Capitally delivers the comprehensive performance analysis that every serious investor needs. Stop wondering about your true returns. Stop comparing apples to oranges. Our analytics engine handles the complexity, so you can focus on what really matters - making better investment decisions.
Sometimes the best decision is to do...nothing. Just staying the course, which is possible only when you have full context, not just seeing a declining portfolio. With Capitally, you'll know exactly what's happening and why, giving you the confidence to act - or not - at the right time.
- Choose accurate metricsCalculate returns using MWR, TWR, or ROI depending on your investment type, what you want to measure and what you compare yourself against.
- Benchmark — or discount — by anythingStack up to 10 benchmarks side by side, or discount your return by inflation, a market index, any asset, or even a buy-and-hold version of your own portfolio to see your real and excess returns.
- Identify real return driversSee exactly what affects your returns - capital gains, currency fluctuations, income, fees, and taxes - all clearly broken down.
- Track your true performanceGet accurate metrics that account for all cash flows, reinvested dividends, and timing effects that most platforms ignore.
Investment portfolio management
Filter, slice and dice your portfolio
Unlike standard trackers, Capitally offers a flexible portfolio allocation tool that allows for detailed asset allocation analysis. Customize your asset allocation plan to align with your investment goals and utilize our portfolio rebalancing tools to maintain your desired investment mix.
Create custom views and reveal surprising insights, impossible to find elsewhere.
- Filter results to find what mattersFilter every view by countless properties, including your own custom tags, to pinpoint the exact data you need for focused analysis.
- Group data by multiple criteriaGroup investments by Account, Asset, Tag, and more, to uncover insightful comparisons and better understand portfolio composition.
- Analyze data over any time periodAnalyze any custom time period in the past or project into the future with adjustable date ranges.
- Compare portfolio segmentsCompare different segments of your portfolio side-by-side to identify strengths and weaknesses in your strategy.
Backtesting, analyzing, forecasting
Customize your analysis workspace
Your investment strategy is unique - and your analysis tools should be too.
Capitally's customizable workspace functions as your personal portfolio visualizer, enabling you to simulate various scenarios with our investment simulation features.
Utilize our backtesting calculator to assess potential outcomes and make informed decisions based on historical data.
- Create custom chartsBuild and save your own charts: Line, Stacked Lines, Bars, Volatility and more! Get X-Ray and Heatmap views to compare everything at once.
- Bookmark key viewsSave frequently used views as bookmarks right in the main menu. Turn complex analysis setups into one-click access.
- Test different scenariosCreate what-if scenarios in separate projects to test new strategies without affecting your portfolio.
- Customize reportsGenerate detailed performance reports focused on exactly what you need to know about your investments.
The only portfolio tracker where your data is only yours
End-to-end encrypted on your device — before anything leaves your device. We can't see your data, and neither can anyone else.
- Your data is encrypted on your device with a private key, before it ever leaves it
- This is in addition to standard transport and at-rest encryption
- No Plaid, no aggregators, no broker linking — paste a CSV, keep your credentials
- No 3rd-parties, no trackers, no ads, no upsells
- Export everything at any time — there's no lock-in
- EU-hosted — GDPR by design
Dozens of capabilities
- 🌈All types of assetsStocks, ETFs, crypto, options, real estate, art — and any custom asset you can put a price on.
- 📥Import from anywhereImport from dozens of brokers, or paste a 10-year spreadsheet. Transactions or balances — your choice.
- 💶Multi-currency with FXTrack and view in any currency. See FX attribution — capital gain vs currency gain — separately.
- 🧠Pro-grade analyticsTWR, MWR, IRR, ROI, Yield, Yield on Cost, dividend growth, exposure analysis — methodology shown.
- 🏆Advanced benchmarksCompare your results against any index, ETF, custom asset, inflation, or any slice of your own portfolio.
- 🌎Exposure analysisSee exposure by region, sector, currency, and any custom category you tag.
- 💰Dividend trackerDividends, rent, interest, and any other investment income. DRIP supported.
- 🔮Income calendar & estimatesSee upcoming dividends and rent payments — and forecast them years ahead.
- 🏛️Capital gains taxesFIFO, average cost, or specific-lot. Tax-loss harvesting and year-end filings, with presets per jurisdiction.
- 🏦Liabilities, bonds and depositsMortgages, bond coupons, P2P loans, deposits — modeled with their actual terms and rates.
- 🤹Stock options trackerTrack stock options with strike, expiry, and Greeks alongside the rest of your portfolio.
- 🛟Short positions and marginShort sales and short options, with margin requirements properly accounted for.
- 🏷️Organize & filter your wayNest accounts, tag transactions, categorize assets — then filter and group however you need.
- 💄Build it your wayYour charts, filters, date periods, tables, importers, tax presets — even your menus.
- 🧪Test investment scenariosSpin up a "what-if" project to test a strategy against your real history — risk-free.
- 🥷On-device encryptionEnd-to-end encrypted before data leaves your device — the only portfolio tracker that does this.
- 🚫No ads or 3rd-party trackersNo data sharing, no surveillance — your activity stays on your device.
- 📱Fully-featured mobile accessTrack on the go, on multiple devices, even offline.
Loved by DIY investors
Advanced retail investors, multi-currency expats, and high-net-worth individuals — across all continents.
"Really pleased to be part of Capitally’s clients! Love the fact that it brings so many functionalities within an efficient interface. Every time I think of something I'd like to do or a piece of data I'd like to have, I always find a way to get it. It's amazing! I’ve also added a shortcut on my iPhone’s home screen, so I can easily access all my data even when I’m away from home. Perfect!"
Frank
France
"I'm really impressed by the quality and versatility of the app. I like that I can customize almost anything. I wanted to have a view of all of my family's assets in one place and the possibility to filter and organize data in any way I want, which is fantastic with the tags. The features that I love the most are the tags, the IRR data, the filtering capabilities and the X-Ray graph."
Boris
Canada
"Once I got used to it, it's a great app! Especially as it handles all my assets - I've tested a few and they didn't have NewConnect for example"
Mateusz
Poland
"As a finance director at a non-profit foundation, I needed a solution that could handle our complex investment mix - from managed funds to real estate. Capitally's flexible import options made it simple to track everything in one place. The affordable price means more of our budget goes to our mission. It's exactly what we needed to get our investment tracking in order."
Jiří Kulík
Nadace Open Society Foundation Prague
"I just wanted to share how brilliant your tool is for managing investments. It is so comprehensively thought-through and the ease with which it can be used is admirable. I used to actively manage my investments via Excel, but this helps to save a lot of time and effort. I'm very impressed!"
Kunal Parwani
Singapore
"Love love LOVE Capitally! I work in Product and I really really appreciate your approach and just what an amazing product it is 😊 "
Li T
Australia
"I bought the subscription for a couple of reasons: 1) your support of the product...I liked that you care about it; 2) the product has good bones and I know it will get better in the future; 3) I like the security aspect of my data"
Drew
USA
"Capitally is an absolutely great tool that allows you to grasp all your investments at a glance, thanks to its clear and well-designed appearance. At the same time, it provides practically unlimited possibilities for exploring data. The whole thing works equally well on a computer and a phone. As a user, I can count on excellent support (thank you!). I also like the pace of development and the features being added - since I purchased the license, the ability to calculate tax liabilities has been introduced, and I also have an early version of options support - something no other solution I know of offers. I definitely recommend it!"
Michał Szafrański
Bestselling author of "Finansowy Ninja"
"The X-Ray feature is “unbelievably good” - you are fantastic and really understand what users need."
Hemanth
India
"I've been using Capitally since November 2024 and have enjoyed it every day since!"
Frank P.
France
"Capitally is an excellent tool that provides a complete overview of all our assets, including real-time stocks, real estate, and private equity. It saves us a lot of time and effort compared to manually keeping track of everything. It's user-friendly and intuitive, with a fantastic support team that is always ready to assist. We highly recommend it to anyone looking for an efficient way to manage their investments."
F3 Capital
Investment Fund
"I started building something similar for myself as a combination of Python + Excel and I came to the conclusion that it would be more economical to choose a ready-made option"
Tomasz Onyszko
@tonyszko
"I am already impressed by the product as it is now, while it is still in the early stages"
Maarten Bremer
"I like the simple UI, the DeGiro import worked pretty well, and I can track everything in my portfolio properly. Dividends and broker cost tracking work well, too."
Jamie Schembri
Netherlands
"It's the first app that was able to import history from all my accounts across multiple brokers. Now I can finally see the full picture for the first time. I highly recommend it!"
sebawo
@sebawo
"I had no idea how many poor investing choices I made before Capitally. Tax filing is so much easier now - saves me hours, and the tax-loss harvesting alone covers the subscription. What I love is how the app pushed me to learn more about metrics. This helped me make smarter money decisions. The tool is fantastic, and the customer support is even better!"
Paweł
Poland
"My only requirement was client-side encryption. That pushed most of your competitors away, so I decided to try with you and never looked back."
Dubravko Flis
Head of IT, Croatia
"Not only does it provide a real value-add through tax reporting (others charge a monthly fee for only having pre-made portfolio analyses without the ability to customize while requiring the user to still use another way to do taxes), but it also excels at the various kinds of integrations of accounts, assets and currencies."
Steffen Jahnke
"It's really fantastic. I've started investing this year, and with Capitally I can see all the information that I need, and it's super easy to use. I love the dashboard and everything. Excellent idea"
Renan Dias
USA
"I spent 4 years building my 16MB Excel spreadsheet for portfolio tracking. In just two evenings with Capitally, I replicated everything and got even better analytics! The data visualization is incredible - slice and dice however you want. But what really blew me away was when the developer fixed an issue before I even reported it. This is next-level software and support! 😂"
TomeK Karczewski
Poland
"Capitally allowed me to transition from overcomplicated spreadsheets that needed to be updated manually (but never was) I used for tracking my investments, to just seeing the data at a glance, automatically updated and ready for me to analyze. And that is just the tip of the iceberg of what it can offer"
Piotr Płaneta
@piotrplaneta
"The game changer that Capitally brings is that it has a very high degree of customization when it comes to selecting assets and recording transactions. For me the differentiator is the ability to record transactions in a currency that differs from the asset currency. My investment portfolio spans multiple global markets and accounts and normal portfolio tracking tools just don't recognize the fact that I may be purchasing a given equity in more than one currency in different accounts."
Stuart Davidson
USA
"I tried Portfolio Performance, but quit it multiple times because of errors in currency handling, importing is too clunky and error-prone in general and there’s a lack of automatic adjustments for dividends and splits. Capitally does all these things right and the reporting is visually nice and quick."
Andries Zwikstra
Netherlands
"I currently have an active subscription with another tool, but I already know that I won't be renewing it.
Capitally takes data exploration to a whole new level, despite lacking some functionalities that will probably appear over time. Both as a programmer and a user, I love tools where intuitiveness is a high priority."
Paweł Gajda
Poland
"Once I got used to it, it's a great app! Especially as it handles all my assets - I've tested a few and they didn't have NewConnect for example"
Mateusz
Poland
"Really pleased to be part of Capitally’s clients! Love the fact that it brings so many functionalities within an efficient interface. Every time I think of something I'd like to do or a piece of data I'd like to have, I always find a way to get it. It's amazing! I’ve also added a shortcut on my iPhone’s home screen, so I can easily access all my data even when I’m away from home. Perfect!"
Frank
France
"I'm really impressed by the quality and versatility of the app. I like that I can customize almost anything. I wanted to have a view of all of my family's assets in one place and the possibility to filter and organize data in any way I want, which is fantastic with the tags. The features that I love the most are the tags, the IRR data, the filtering capabilities and the X-Ray graph."
Boris
Canada
"Love love LOVE Capitally! I work in Product and I really really appreciate your approach and just what an amazing product it is 😊 "
Li T
Australia
"As a finance director at a non-profit foundation, I needed a solution that could handle our complex investment mix - from managed funds to real estate. Capitally's flexible import options made it simple to track everything in one place. The affordable price means more of our budget goes to our mission. It's exactly what we needed to get our investment tracking in order."
Jiří Kulík
Nadace Open Society Foundation Prague
"I just wanted to share how brilliant your tool is for managing investments. It is so comprehensively thought-through and the ease with which it can be used is admirable. I used to actively manage my investments via Excel, but this helps to save a lot of time and effort. I'm very impressed!"
Kunal Parwani
Singapore
"The X-Ray feature is “unbelievably good” - you are fantastic and really understand what users need."
Hemanth
India
"I bought the subscription for a couple of reasons: 1) your support of the product...I liked that you care about it; 2) the product has good bones and I know it will get better in the future; 3) I like the security aspect of my data"
Drew
USA
"Capitally is an absolutely great tool that allows you to grasp all your investments at a glance, thanks to its clear and well-designed appearance. At the same time, it provides practically unlimited possibilities for exploring data. The whole thing works equally well on a computer and a phone. As a user, I can count on excellent support (thank you!). I also like the pace of development and the features being added - since I purchased the license, the ability to calculate tax liabilities has been introduced, and I also have an early version of options support - something no other solution I know of offers. I definitely recommend it!"
Michał Szafrański
Bestselling author of "Finansowy Ninja"
"I started building something similar for myself as a combination of Python + Excel and I came to the conclusion that it would be more economical to choose a ready-made option"
Tomasz Onyszko
@tonyszko
"I've been using Capitally since November 2024 and have enjoyed it every day since!"
Frank P.
France
"Capitally is an excellent tool that provides a complete overview of all our assets, including real-time stocks, real estate, and private equity. It saves us a lot of time and effort compared to manually keeping track of everything. It's user-friendly and intuitive, with a fantastic support team that is always ready to assist. We highly recommend it to anyone looking for an efficient way to manage their investments."
F3 Capital
Investment Fund
"It's the first app that was able to import history from all my accounts across multiple brokers. Now I can finally see the full picture for the first time. I highly recommend it!"
sebawo
@sebawo
"I am already impressed by the product as it is now, while it is still in the early stages"
Maarten Bremer
"I like the simple UI, the DeGiro import worked pretty well, and I can track everything in my portfolio properly. Dividends and broker cost tracking work well, too."
Jamie Schembri
Netherlands
"Not only does it provide a real value-add through tax reporting (others charge a monthly fee for only having pre-made portfolio analyses without the ability to customize while requiring the user to still use another way to do taxes), but it also excels at the various kinds of integrations of accounts, assets and currencies."
Steffen Jahnke
"I had no idea how many poor investing choices I made before Capitally. Tax filing is so much easier now - saves me hours, and the tax-loss harvesting alone covers the subscription. What I love is how the app pushed me to learn more about metrics. This helped me make smarter money decisions. The tool is fantastic, and the customer support is even better!"
Paweł
Poland
"My only requirement was client-side encryption. That pushed most of your competitors away, so I decided to try with you and never looked back."
Dubravko Flis
Head of IT, Croatia
"Capitally allowed me to transition from overcomplicated spreadsheets that needed to be updated manually (but never was) I used for tracking my investments, to just seeing the data at a glance, automatically updated and ready for me to analyze. And that is just the tip of the iceberg of what it can offer"
Piotr Płaneta
@piotrplaneta
"It's really fantastic. I've started investing this year, and with Capitally I can see all the information that I need, and it's super easy to use. I love the dashboard and everything. Excellent idea"
Renan Dias
USA
"I spent 4 years building my 16MB Excel spreadsheet for portfolio tracking. In just two evenings with Capitally, I replicated everything and got even better analytics! The data visualization is incredible - slice and dice however you want. But what really blew me away was when the developer fixed an issue before I even reported it. This is next-level software and support! 😂"
TomeK Karczewski
Poland
"I currently have an active subscription with another tool, but I already know that I won't be renewing it.
Capitally takes data exploration to a whole new level, despite lacking some functionalities that will probably appear over time. Both as a programmer and a user, I love tools where intuitiveness is a high priority."
Paweł Gajda
Poland
"The game changer that Capitally brings is that it has a very high degree of customization when it comes to selecting assets and recording transactions. For me the differentiator is the ability to record transactions in a currency that differs from the asset currency. My investment portfolio spans multiple global markets and accounts and normal portfolio tracking tools just don't recognize the fact that I may be purchasing a given equity in more than one currency in different accounts."
Stuart Davidson
USA
"I tried Portfolio Performance, but quit it multiple times because of errors in currency handling, importing is too clunky and error-prone in general and there’s a lack of automatic adjustments for dividends and splits. Capitally does all these things right and the reporting is visually nice and quick."
Andries Zwikstra
Netherlands
"I'm really impressed by the quality and versatility of the app. I like that I can customize almost anything. I wanted to have a view of all of my family's assets in one place and the possibility to filter and organize data in any way I want, which is fantastic with the tags. The features that I love the most are the tags, the IRR data, the filtering capabilities and the X-Ray graph."
Boris
Canada
"Once I got used to it, it's a great app! Especially as it handles all my assets - I've tested a few and they didn't have NewConnect for example"
Mateusz
Poland
"Really pleased to be part of Capitally’s clients! Love the fact that it brings so many functionalities within an efficient interface. Every time I think of something I'd like to do or a piece of data I'd like to have, I always find a way to get it. It's amazing! I’ve also added a shortcut on my iPhone’s home screen, so I can easily access all my data even when I’m away from home. Perfect!"
Frank
France
"I just wanted to share how brilliant your tool is for managing investments. It is so comprehensively thought-through and the ease with which it can be used is admirable. I used to actively manage my investments via Excel, but this helps to save a lot of time and effort. I'm very impressed!"
Kunal Parwani
Singapore
"Love love LOVE Capitally! I work in Product and I really really appreciate your approach and just what an amazing product it is 😊 "
Li T
Australia
"As a finance director at a non-profit foundation, I needed a solution that could handle our complex investment mix - from managed funds to real estate. Capitally's flexible import options made it simple to track everything in one place. The affordable price means more of our budget goes to our mission. It's exactly what we needed to get our investment tracking in order."
Jiří Kulík
Nadace Open Society Foundation Prague
"Capitally is an absolutely great tool that allows you to grasp all your investments at a glance, thanks to its clear and well-designed appearance. At the same time, it provides practically unlimited possibilities for exploring data. The whole thing works equally well on a computer and a phone. As a user, I can count on excellent support (thank you!). I also like the pace of development and the features being added - since I purchased the license, the ability to calculate tax liabilities has been introduced, and I also have an early version of options support - something no other solution I know of offers. I definitely recommend it!"
Michał Szafrański
Bestselling author of "Finansowy Ninja"
"The X-Ray feature is “unbelievably good” - you are fantastic and really understand what users need."
Hemanth
India
"I bought the subscription for a couple of reasons: 1) your support of the product...I liked that you care about it; 2) the product has good bones and I know it will get better in the future; 3) I like the security aspect of my data"
Drew
USA
"Capitally is an excellent tool that provides a complete overview of all our assets, including real-time stocks, real estate, and private equity. It saves us a lot of time and effort compared to manually keeping track of everything. It's user-friendly and intuitive, with a fantastic support team that is always ready to assist. We highly recommend it to anyone looking for an efficient way to manage their investments."
F3 Capital
Investment Fund
"I started building something similar for myself as a combination of Python + Excel and I came to the conclusion that it would be more economical to choose a ready-made option"
Tomasz Onyszko
@tonyszko
"I've been using Capitally since November 2024 and have enjoyed it every day since!"
Frank P.
France
"I like the simple UI, the DeGiro import worked pretty well, and I can track everything in my portfolio properly. Dividends and broker cost tracking work well, too."
Jamie Schembri
Netherlands
"It's the first app that was able to import history from all my accounts across multiple brokers. Now I can finally see the full picture for the first time. I highly recommend it!"
sebawo
@sebawo
"I am already impressed by the product as it is now, while it is still in the early stages"
Maarten Bremer
"My only requirement was client-side encryption. That pushed most of your competitors away, so I decided to try with you and never looked back."
Dubravko Flis
Head of IT, Croatia
"Not only does it provide a real value-add through tax reporting (others charge a monthly fee for only having pre-made portfolio analyses without the ability to customize while requiring the user to still use another way to do taxes), but it also excels at the various kinds of integrations of accounts, assets and currencies."
Steffen Jahnke
"I had no idea how many poor investing choices I made before Capitally. Tax filing is so much easier now - saves me hours, and the tax-loss harvesting alone covers the subscription. What I love is how the app pushed me to learn more about metrics. This helped me make smarter money decisions. The tool is fantastic, and the customer support is even better!"
Paweł
Poland
"I spent 4 years building my 16MB Excel spreadsheet for portfolio tracking. In just two evenings with Capitally, I replicated everything and got even better analytics! The data visualization is incredible - slice and dice however you want. But what really blew me away was when the developer fixed an issue before I even reported it. This is next-level software and support! 😂"
TomeK Karczewski
Poland
"Capitally allowed me to transition from overcomplicated spreadsheets that needed to be updated manually (but never was) I used for tracking my investments, to just seeing the data at a glance, automatically updated and ready for me to analyze. And that is just the tip of the iceberg of what it can offer"
Piotr Płaneta
@piotrplaneta
"It's really fantastic. I've started investing this year, and with Capitally I can see all the information that I need, and it's super easy to use. I love the dashboard and everything. Excellent idea"
Renan Dias
USA
"I tried Portfolio Performance, but quit it multiple times because of errors in currency handling, importing is too clunky and error-prone in general and there’s a lack of automatic adjustments for dividends and splits. Capitally does all these things right and the reporting is visually nice and quick."
Andries Zwikstra
Netherlands
"I currently have an active subscription with another tool, but I already know that I won't be renewing it.
Capitally takes data exploration to a whole new level, despite lacking some functionalities that will probably appear over time. Both as a programmer and a user, I love tools where intuitiveness is a high priority."
Paweł Gajda
Poland
"The game changer that Capitally brings is that it has a very high degree of customization when it comes to selecting assets and recording transactions. For me the differentiator is the ability to record transactions in a currency that differs from the asset currency. My investment portfolio spans multiple global markets and accounts and normal portfolio tracking tools just don't recognize the fact that I may be purchasing a given equity in more than one currency in different accounts."
Stuart Davidson
USA
Frequently Asked Questions
No. You choose the tracking depth per account or asset, anywhere on the spectrum from balance-only to full transaction history.
- Balance tracking: update an account's value periodically (monthly, quarterly, however often you want). Fast to maintain. Best for high-level wealth views, but limited for cost-basis analysis or tax filing.
- Transaction tracking: enter or import every buy, sell, dividend, and fee. Slower to set up, but unlocks tax-grade reporting (FIFO / LIFO / Average Cost / specific-lot), realised gains, and accurate cost basis.
Mix and match: track a wrap account or pension as a single balance, your IBKR account as full transactions, and a property as quarterly valuations. Switch a position from balance-only to full transactions later when the detail starts to matter — none of the historical data is lost.
Each asset has its own price history that you control. For anything without a public quote — private equity, real estate, collectibles, closed funds, art, watches, a startup stake — add it as a custom asset and feed in valuations manually, paste a price table, or import a CSV.
Once a price series exists, the asset behaves like any market-traded position: cost basis, time-weighted return, money-weighted return, FX attribution, and yield-on-cost all work the same way. The custom asset can also have its own dividends, rent, distributions, or expenses logged against it.
For positions you only re-value periodically (e.g. quarterly NAV statements from a fund), enter just the valuation dates you have — Capitally will hold the last value forward between updates or interpolate them.
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.
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. 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.
Market-traded assets — US stocks, US ETFs, currencies, crypto — refresh at least every 30 minutes during market hours, with end-of-day prices posted 15–60 minutes after the close. ex-US stocks, ex-US ETFs, indexes, mutual funds, commodities use end-of-day prices updated 30-240 minutes after market closes. See the supported markets and assets for full coverage.
Custom assets (private equity, real estate, collectibles, illiquid positions) hold the last user-entered valuation forward until you record a new one. You can update them manually, by paste, or by CSV import on whatever cadence makes sense — quarterly NAVs, annual appraisals, monthly checkpoints.
See your real returns. Free to start.
- Works great on a desktop or laptop
- Fully featured on mobile
- Add to home screen for quick access and privacy
