What can I track with Krosos?
Pretty much anything you own, like stocks, ETFs, cash, savings, bonds, money-market funds, real estate, crypto and private holdings, plus what you owe, like mortgages and loans, so the total is your true net worth. Synced automatically where there's an API, entered manually or via CSV where there isn't.
Which accounts sync automatically?
Stock brokers (Trading 212 and Interactive Brokers) sync your positions, ETFs and cash read-only. Bank accounts connect through open banking across the EU, and Spiko money-market funds sync too. On the crypto side, seven exchanges (Binance, Bybit, Coinbase, Kraken, Bitstamp, Bitvavo and Bitpanda) connect via read-only API keys, plus on-chain wallets by address (including Solana and Bitcoin). Stock, ETF, crypto and FX prices update automatically; everything else can be entered manually or imported from CSV. Full list →
Does it do my taxes?
It does the arithmetic. The tax engine replays your ledger, matches every sale to the lots you bought (FIFO or weighted average), applies your country's rates and exemptions (presets for Belgium's new 10% capital gains tax, with its €10,000 annual exemption and 2026 basis reset, plus France and Germany), and shows the estimated tax per year, with every figure traceable to its lots. It's an estimate to bring to your accountant or declaration, not tax advice. How it works →
Do I have to connect my accounts?
No. Connections are optional, and plenty of people track everything with manual entries and CSV imports. You decide what gets linked.
Can I import from a broker statement or another tool?
Yes. CSV import covers holdings and net-worth history, and there's a copy-paste prompt that turns any broker statement or spreadsheet into the right format using ChatGPT or Claude. Connection imports (Kraken, Spiko, on-chain wallets) land in a review queue where you approve every row before it touches your ledger.
Will Krosos keep me in the loop?
Optionally, yes. A weekly or monthly email digest shows how your net worth moved, a weekly AI-written news digest surfaces what actually happened to your largest holdings, and allocation-drift alerts let you set a target asset mix and get nudged when you wander from it. All opt-in, so there's no noise unless you want it.
What makes Krosos different from other trackers?
Three things: completeness, privacy, and the tax math. It's built to hold your entire financial picture, not just one broker. Every customer gets a private database of their own (on our servers or on their own computer) instead of a row in a shared one. And the tax engine matches every sale to the lots you bought and estimates capital gains tax per country, with presets for Belgium (including the 2026 basis reset), France and Germany.
Can you see my actual numbers?
Everything lives in a private database of your own, with credentials encrypted at rest and backups encrypted with a key unique to your account. To compute balances while you're signed in, the server does read your data, so this is honestly not end-to-end encryption. No hosted finance app's is. And if you'd rather not take anyone's word for it: the desktop app keeps everything on your own computer, where the answer is simply no. More on security →
Are my exchange API keys safe?
Keys are stored encrypted at rest with a key unique to your account, are never shown again after you save them, and never appear in logs or API responses. We require read-only keys: Krosos can see your balances, but can never trade, withdraw or move a cent of your money. Hosted plans run in EU data centres with nightly encrypted backups. More on security →
Can I take my data and leave?
Yes, at any time. One-click export of your complete database (plus JSON), and a delete-everything button. After cancellation, your data is retained for 30 days, then permanently deleted.
Is this financial advice?
No. Krosos is a tracking and reporting tool. It doesn't recommend investments, execute trades, or hold your assets, and its tax figures are estimates, not advice. See our terms of service.
