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How it works

Kapitaaltrackr works with files you download from your broker yourself, and with a few numbers you fill in yourself. There is no connection to your bank or broker.

1. Download your export

DEGIRO

  1. Log in to DEGIRO and go to Inbox → Transactions. Pick the period from your first transaction and export as CSV.
  2. Go to Inbox → Account statement, pick the same period and export as CSV too.
  3. If you have more DEGIRO accounts (a pension account, for example), repeat this for each account.

The transactions file shows what you bought and sold. The account statement adds deposits, withdrawals, dividends, interest, costs and currency exchanges. With both, the cash balance on your account adds up too.

Meesman

In your Meesman environment, download the Transactions list as CSV. Kapitaaltrackr recognises reinvested dividends separately, so they count as income.

2. Upload and add the rest

  • Create a portfolio for each account (for example "DEGIRO", "Pension", "Meesman") and upload the file. Duplicate rows are recognised, so uploading an export again is always fine.
  • Savings accounts you add by hand: an opening balance, deposits, withdrawals and the interest your bank pays. With an interest rate you also see an estimate of the interest still to come.
  • Crypto and investments at a broker without an export you enter as single transactions.
  • For each account you choose whether it counts in your total, and whose it is (you, your partner, joint).

3. See your wealth

  • Net worth per month, split into investments, savings, pension and crypto.
  • New money and change in value: how much you deposited yourself, and how much came in (or went) through prices, dividends and interest.
  • Per investment: value, what you put in, costs and dividends.
  • Spread over sectors, countries and currencies, with index funds split by their published weights.
  • Dividends: received per month and year, and the expected payments.
  • Box 3 (the Dutch tax on savings and investments): an indication on 1 January from your own data. This is not a tax return and not tax advice.

How each number is calculated is on How we calculate. What happens to your files and data is on Your data.