Blog

Notes on net worth & privacy

Guides on tracking your money privately across Europe: comparisons, security and practical guides.

2026-07-29

Connect your AI to your own books

Krosos now speaks MCP, so Claude, Cursor and most AI assistants can read your net worth, holdings and tax estimate from your own ledger, on a read-only token you control.

Read article →

2026-07-28

The 4% rule in Europe: what tax does to your stop date

The 4% rule is stated before tax. We ran one European portfolio under Belgian, German and French capital gains rules: the answers land nearly three years apart.

Read article →

2026-07-27

Belgium's new 10% capital gains tax, explained (2026)

Belgium now taxes capital gains at 10%, with a €10,000 yearly exemption and every cost basis reset to its 31 December 2025 value. The arithmetic, with examples.

Read article →

2026-07-24

FIRE Calculator: Find Your FI Number and Retirement Date

Our FIRE calculator runs entirely in your browser, no signup and nothing stored. See how it works out your FI number, retirement date and Monte Carlo survival rate.

Read article →

2026-06-14

The best net-worth trackers in Europe (2026)

A fair comparison of the main net-worth trackers for European investors (Kubera, Finary, Monarch, Portfolio Performance, spreadsheets and Krosos) and how to choose.

Read article →

2026-06-14

Krosos vs Finary, two EU net-worth trackers compared (2026)

An honest Krosos vs Finary comparison for European investors, covering coverage, crypto, the freemium-vs-flat-price trade-off, and the difference between a shared cloud and your own database.

Read article →

2026-06-14

Krosos vs Kubera, a private, cheaper EU alternative (2026)

An honest Krosos vs Kubera comparison for European investors, covering net-worth coverage, privacy model, crypto support and price. Where each wins, and who should pick which.

Read article →

2026-06-14

Krosos vs Monarch, the EU net-worth alternative (2026)

An honest Krosos vs Monarch comparison for European users. Why a best-in-class US budgeting app struggles with EU banks, crypto and privacy, and when to pick which.

Read article →

2026-06-14

Net-worth spreadsheet vs a tracker, when to switch (2026)

A spreadsheet is the honest free baseline. Where it breaks down for European investors with stocks, property and crypto, and when €60 a year is worth paying.

Read article →

2026-06-13

How to track your bank, broker and crypto in one place

Your money is scattered across a couple of banks, a broker, and some exchanges and wallets. Here's how to pull all of it into one honest net-worth number.

Read article →

2026-06-12

Is it safe to connect exchange API keys to a net-worth tracker?

Linking a crypto exchange to a tracker feels risky. Here's exactly what a read-only API key can and can't do, and how to connect one safely.

Read article →