Adding a property

Property is added through its own flow rather than as a plain manual entry, because a house is rarely just a number. It has a value that changes, a purchase price worth remembering, and usually a mortgage attached to it.

All of that goes in at once: the house, its valuations, and optionally the mortgage.

The house

Give it a name you will recognise on a list, such as Our home or Apartment in Utrecht, and enter its current value with the date it was valued.

That date matters more than people expect. It is not decoration: it is the point on the timeline where this value starts applying.

Add your earlier valuations

The single most valuable thing you can do here, and the one most people skip.

Below the current value there is a table for earlier valuations. Put your purchase price in it, with the date you bought, plus any appraisals since (a WOZ-beschikking, a mortgage revaluation, an estate agent's estimate).

Without them, Gylder knows what the house is worth today and nothing about before, so your net worth chart shows the property appearing at today's value on the day you added it. With them, the chart shows what the house was actually worth as you go back through time.

You can add earlier valuations later, but doing it now is quicker than doing it twice.

What you see afterwards

Once saved, the property page shows the things you would otherwise work out on paper.

Net equity, which is the property value minus what you still owe. If there is no mortgage it says so, and the equity is simply the value.

LTV, the loan-to-value ratio. Gylder flags it when it reaches 90% and notes that a refinance may unlock a better rate, which reflects how Dutch lenders commonly price risk bands. It is a prompt to look, not a recommendation.

Monthly payment, split into principal and interest, so you can see how much of a payment is actually reducing the debt.

Home over time, a chart stacking mortgage balance and equity with today marked, which is the clearest picture of the crossover between owing and owning.

Valuations are a history, not an overwrite

Revaluing the house adds a dated point rather than replacing the old one, the same as any manual asset. A house valued at €400,000 in 2024 and €450,000 today shows €400,000 on the 2024 part of your chart.

This is what keeps your net worth history honest. Overwriting would quietly rewrite the past to make it look as though you were always richer.

Gylder does not estimate what your house is worth

There is no automatic valuation. Property has no daily market price the way a share does, and anything Gylder produced would be a guess dressed up as data.

Nor is a house grown by an assumed rate between valuations. It holds its last value until you enter a new one. If you use a projection, the growth assumption starts at zero and stays there unless you set it yourself, so a flat line means exactly what it looks like: nothing is being predicted.

Revalue when you have a real number: a new WOZ-beschikking, an appraisal, or a sale of something comparable.

Next

If there is a mortgage on the property, that is where most of the detail lives. See tracking a mortgage for loan parts, extra repayments and bouwdepot.