Approach

Our aim

Kapitaaltrackr shows how your wealth is made up and how it changes: what comes in, what you put aside and what your investments do. So you make your own choices, with the numbers on the table.

• Overview: investments, savings, pension and crypto in one place.
• Connection: how much new money you put in, and what the return does on top of it.
• Honest numbers: what we do not know we do not name, and assumptions are shown.

Product rules

1. We describe and calculate. We never steer you towards a product, fund or transaction.
2. No tips and no comparison with others. No targets that say what is "good".
3. Unknown stays unknown. When a price or an amount is missing, we say so instead of counting it as 0.
4. Assumptions are shown. A calculation with an assumption is called an indication, with its basis next to it (for example: "based on your transactions, without an account statement").
5. Every measure has its own name. A change in value in euros is not the same as a return in percent; How we calculate explains which measure means what.

Where it does not match yet. Kapitaaltrackr is used only by its maker for now. A few parts do not keep to these rules yet: the app still colours gains and losses green and red, and some parts make suggestions meant only for the maker's own use. Before other users join, those parts are switched off or rewritten as descriptions.

How we build

• In small steps. Every step is tested first on a separate test environment with fictional data, and only then put live.
• Calculation rules have their own tests with fixed examples, so a change cannot alter an outcome unnoticed.
• What is not used is removed again.

How we measure

We measure nothing. There are no analytics, no trackers and no cookies. If we ever count how often a feature is used, we will count only kinds of events (such as "export uploaded"), never amounts, names or descriptions, and it will be in the privacy statement first.