# What Gylder is

> Gylder pulls everything you own and owe into one live net worth figure, so you can see where you stand without maintaining a spreadsheet.

Gylder is a net worth tracker. It connects to your bank accounts, brokers and
crypto exchanges, lets you enter anything that cannot be connected, and turns
all of it into a single figure that updates on its own.

The design goal is a ninety second visit. You open Gylder, you see what you are
worth, you see what moved since yesterday, and you close the tab. Everything
deeper than that is there when you want it, and out of the way when you do not.

## What it tracks

Gylder splits everything into two sides.

**Assets** are the things you own: current and savings accounts, investment
portfolios, crypto, property, vehicles, and anything else you add by hand.

**Liabilities** are the things you owe: mortgages, loans, and credit
facilities. Repayments reduce the balance over time, so the figure follows your
actual position rather than the amount you originally borrowed.

Net worth is the first minus the second. That is the number on the dashboard.

## Where the numbers come from

Some accounts update themselves and some do not, and it is worth knowing which
is which.

Bank accounts and brokers that Gylder can connect to are read directly, so the
balances and transactions arrive without you doing anything. Investments and
crypto are priced centrally each day, so a holding you have not touched in a
year still moves with the market.

Anything else is a manual entry. You give it a value and update that value when
it changes. Gylder never guesses what a manual asset is worth today, and it
never projects growth on your behalf.

## What it does not do

Gylder does not give financial advice. It does not tell you which investments
to hold, it does not suggest a rate of return, and it does not score your
portfolio against a target it invented. Where a projection needs an assumption,
you supply the assumption and Gylder shows you the result of it.

## Next steps

[Create your account](/getting-started/creating-your-account), which includes
setting up two-factor authentication, then bring your money in. Depending on
what you hold, that means [importing a DeGiro
CSV](/guides/importing-a-degiro-csv), [connecting a crypto
exchange](/guides/connecting-a-crypto-exchange), [adding things by
hand](/guides/adding-a-manual-asset), or [adding a
property](/guides/adding-a-property).

[Reading your dashboard](/getting-started/reading-your-dashboard) then explains
what it is telling you.

After that, the two things most people set up next are
[filters](/guides/creating-filters), which slice your portfolio into the views
you actually care about, and [tags](/guides/tagging-holdings), which let you
group holdings by your own strategy rather than by asset class.

If you hold investments, [the investments
dashboard](/guides/using-the-investments-dashboard) is where the detail lives:
diversification, performance against a benchmark, and dividends.