Welcome to Guapital: See Where You Rank and Where You're Headed

You're making good money. You've got investments, maybe some crypto, a 401(k), and a growing bank account.

But here's what keeps you up at night: "Am I actually doing well for my age?"

Most finance apps won't give you a straight answer. They either guilt you about every coffee purchase or ignore half your assets.

You need something different. That's where Guapital comes in.

We're a privacy-first net worth tracker that shows you the complete picture. Stocks, crypto, real estate, loans. And we tell you exactly where you stand compared to your peers.

Key Takeaways

• See where you rank with percentile rankings (the only tracker that shows if you're on track for your age)
• Project your wealth 1, 5, 10, 20, or 30 years into the future with per-account growth tracking
• Track crypto across 5 blockchains with automatic syncing
• Your data stays private (we make money from subscriptions, not selling your info)
• Connect 11,000+ banks through Plaid for automatic updates
• Add monthly contributions to see compound growth (no salary tracking required)
• Focus on wealth building, not budget shame
• Start free with unlimited manual entries and 2 crypto wallets

Why Choose Guapital Over Other Apps?

Let's be real about what's out there.

The Problem With Existing Apps

YNAB is great if you want to budget every dollar. But it won't tell you your net worth. If you have crypto, stock options, or real estate? YNAB can't help.

Monarch Money comes close. It'll show you that your net worth is $180,000. But is that good? Are you ahead or behind? Monarch won't tell you.

Personal Capital (now Empower) wants to sell you investment advice. They're not a neutral tracker. They're trying to become your financial advisor.

Why Guapital Is Different

Here's what makes us stand out.

1. Percentile Rankings (What Makes Us Unique)

Say you're 28 with $150K net worth. Sound good?

With Monarch, you'd see: "Your net worth is $150,000." Okay... and?

With Guapital, you'd see: "You're in the 75th percentile for 28-year-olds. To reach the top 10%, you'd need around $255K."

See the difference? You finally get context. You know if you're ahead or behind. You understand what "wealthy" actually means for your age.

No other app gives you this.

2. First-Class Crypto Support

Most apps barely support crypto. Some don't support it at all.

Guapital tracks crypto across 5 blockchains: Ethereum, Polygon, Base, Arbitrum, and Optimism. Add your wallet address once. Balances update automatically. You see your crypto value in USD right next to your traditional assets.

If you hold even $1,000 in crypto, most competitors can't help you. Or they make you type in new values every time the price changes. Not fun.

3. Privacy-First (We Never Sell Your Data)

Ever wonder how "free" apps make money? They sell your data.

Mint and Credit Karma sell your information to advertisers. That's their business model.

Guapital charges $99/year for Premium. That's how we make money. We don't need to sell your data because you're paying us directly.

You're the customer, not the product.

4. No Budget Shame

Budgeting apps love to make you feel guilty. Every purchase gets categorized. Every overspend gets flagged. It's exhausting.

Guapital asks one simple question: "Did my net worth grow this month?"

You can spend $500 on dinner and still be ahead if your investments grew $5,000. That's the big-picture view budgeting apps miss.

5. Wealth Trajectory Projections

Want to know where you'll be in 10 years? 20 years? 30?

Guapital projects your future net worth based on each account's growth rate. Retirement accounts compound at 7%. Mortgages pay down over time. Crypto grows (or shrinks) based on historical averages.

But here's the powerful part: add monthly contributions to any account. Contributing $500/month to your 401(k)? Add it. DCA-ing $200/month into crypto? Track it.

The result? You see your exact path to financial independence. No salary tracking required (privacy win).

This isn't just a FIRE calculator. It's a complete wealth projection engine that shows you:

• When you'll hit $1M net worth
• When your net worth will double
• How each account grows over time
• The impact of extra debt payments

No competitor offers per-account projections with monthly contributions built in.

The Honest Comparison Table

Who Should Use Which App?

Choose Guapital if you:

• Want to know where you rank compared to your peers
• Hold crypto or DeFi assets that need proper tracking
• Focus on wealth-building instead of penny-pinching
• Value privacy and don't want your data sold

Choose Monarch if you:

• Want budgeting and net worth in one place
• Need shared accounts for your household
• Don't care about percentile rankings

Choose YNAB if you:

• Need detailed budget control
• Don't care about net worth or crypto
• Prefer working on desktop

Choose Personal Capital if you:

• Want free tracking and don't mind sales pitches
• Are looking for financial advisory services
• Have $100K+ to invest

What Is Guapital?

Guapital is a privacy-first net worth tracker for anyone who wants to understand their complete financial picture.

Unlike budgeting apps that track every transaction, we take a big-picture approach. Track your assets and liabilities. Watch your net worth grow over time. See where you rank compared to your peers.

Simple as that.

Core Features

Asset Tracking:

• Automatic bank and investment sync (Premium)
• Multi-chain crypto tracking across 5 blockchains
• Manual entry for real estate, vehicles, stock options, and collectibles
• Liability tracking for loans, mortgages, and credit card debt

Insights & Analytics:

• Percentile ranking shows where you stand compared to peers
• Historical charts track your net worth over time
• Wealth trajectory projections show your net worth in 1, 5, 10, 20, or 30 years
• Per-account growth tracking with customizable rates
• Monthly contribution tracking for compound growth projections (no salary required)
• Milestone calculator shows when you'll reach $1M, double your net worth, and more
• Transaction history helps you analyze spending patterns (Premium)

Privacy & Control:

• No data selling (we make money from subscriptions)
• Bank-level encryption keeps your information secure
• Anonymous percentile opt-in (your choice)
• Export your data anytime as CSV

Who Is Guapital For?

Guapital is built for anyone who:

• Wants to track their finances and build wealth
• Holds diverse assets (crypto, investments, real estate, etc.)
• Prefers the big picture over tracking every penny
• Values privacy and data security
• Asks "Am I on track?" and wants a real answer

Who We're NOT For

We're not right for everyone. Skip Guapital if you:

• Need detailed budgeting tools (try YNAB or EveryDollar)
• Want investment advice (we're a tracker, not an advisor)
• Don't hold any crypto and don't plan to
• Expect free auto-sync forever (we're subscription-based)

Why Net Worth Tracking Matters More Than Budgeting

Here's a truth most financial apps won't tell you.

Tracking every transaction doesn't automatically make you wealthy.

Budget apps focus on income and expenses. That's important. But it's only part of the story. Net worth tracking shows your complete financial picture.

Net Worth = Assets - Liabilities

This simple formula captures everything:

• Your savings ($10,000)
• Your investments ($75,000)
• Your crypto ($15,000)
• Your home equity ($50,000)
• Minus your student loans ($-30,000)
• Minus your credit card debt ($-2,000)

Result: $118,000 net worth

Why This Matters

Wealth is accumulated assets, not high income.

A doctor earning $300K/year with $400K in loans may have lower net worth than a software engineer earning $120K with $150K invested.

Net worth tracking makes you think long-term.

Instead of stressing about a $50 dinner, you ask: "Did I grow my net worth this month?"

You can't improve what you don't measure.

Most people have no clue what their net worth is. Track it monthly and you create accountability.

Percentile context motivates progress.

Knowing you're in the 60th percentile gives you a tangible goal. Seeing what it takes to reach 75th? That's motivating.

According to the 2022 Federal Reserve Survey of Consumer Finances, the median net worth for Americans aged 25-29 is $39,000. By ages 35-39, it's $135,000. Guapital helps you benchmark your progress against this national data.

The Guapital Difference: Percentile Ranking

This is what makes Guapital special. No other net worth tracker offers this.

What Is Percentile Ranking?

Percentile ranking shows where you stand financially compared to others in your age group.

If you're in the 75th percentile, that means your net worth is higher than 75% of people your age.

Example:

• You're 28 years old with $150,000 net worth
• Guapital tells you: "You're in the 75th percentile for your age"
• This means: 75% of 28-year-olds have less net worth than you
• To reach top 10% (90th percentile), you'd need around $255,000

How We Calculate This

We use a hybrid approach combining:

1. Federal Reserve SCF data (Survey of Consumer Finances, 2022)

• 49 data points across 7 age brackets
• Percentiles: 10th, 25th, 50th (median), 75th, 90th, 95th, 99th

2. Real Guapital user data (anonymized, opt-in only)

• As our user base grows, we blend real-world data with SCF benchmarks
• This makes percentiles more accurate and relevant for our diverse user community

Why This Is Unique

No competitor offers this. Here's why:

Why this is hard to copy: Building percentile ranking requires:

• Lots of users (for accurate benchmarks)
• Complex technical setup (we've built this already)
• User trust (people must opt-in to share anonymous data)
• 6-12 months of development work (we've done the heavy lifting)

This gives you something truly unique that other apps can't quickly replicate.

How Guapital Works

Step 1: Connect Your Accounts

Option A: Automatic Sync (Premium)

• Connect bank accounts, credit cards, and investment accounts
• Balances update automatically whenever your accounts change
• Supports 11,000+ institutions (Chase, Bank of America, Fidelity, Robinhood, etc.)

Option B: Manual Entry (Free)

• Add assets manually (cash, real estate, vehicles, stock options, collectibles)
• Add liabilities (student loans, mortgages, personal loans)
• Update balances monthly (or weekly, your choice)

Option C: Crypto Tracking (Free for 2 wallets)

• Add wallet addresses (Ethereum, Polygon, Base, Arbitrum, Optimism)
• Token balances update automatically
• See USD value in real-time

Step 2: See Your Net Worth Dashboard

Your dashboard shows:

• Total Net Worth (big number at the top)
• Assets breakdown (bank accounts, investments, crypto, manual)
• Liabilities breakdown (loans, credit cards, mortgages)
• 30-day or 365-day historical chart (track progress over time)
• Percentile rank (if you opt in)

Step 3: Track Progress Over Time

Every day, we automatically save a snapshot of your net worth. Over time, this creates a trend line showing your financial trajectory.

Step 4: Project Your Future Wealth

Visit the Trajectory page to see where you'll be in 10, 20, or 30 years.

Each account is projected based on its category:

• Retirement accounts: 7% annual growth
• Stocks/investments: 7% growth
• Crypto: 15-20% growth (volatile)
• Savings: 2% growth
• Mortgages: Pay down over loan term
• Credit cards: Minimum payments or custom payoff schedule

Supercharge your projections: Click the edit icon on any account to:

• Customize growth rates (use your actual rates)
• Add monthly contributions (see compound growth magic)
• Set loan terms for accurate payoff dates
• Track when you'll hit $1M or double your net worth

This gives you a complete roadmap to financial independence. No guesswork.

Step 5: Unlock Percentile Insights (Optional)

If you opt in to percentile tracking:

• We anonymously include your data in percentile calculations
• You see your exact percentile rank (e.g., "68th percentile")
• You see a distribution chart showing where others stand
• You track percentile milestones (e.g., "Reached top 50%!" then "Reached top 25%!")

Privacy note: Percentile data is:

• Anonymous (no personal info linked to your net worth)
• Opt-in only (you must explicitly consent)
• Revocable (opt out anytime, no questions asked)

Step 6: Explore Premium Features (Optional)

Premium users ($12.99/mo or $99/yr) get:

• Unlimited Plaid accounts (auto-sync)
• 365-day history (vs. 30 days for free)
• Transaction history (categorize and analyze spending)
• Reports & exports (CSV download, tax prep)
• Priority support (we respond within 24 hours)

Pricing: Free vs. Premium

We offer two tiers to fit your needs:

Free Tier - $0

What's included:

• Unlimited manual asset/liability entries
• Up to 2 crypto wallets (auto-sync)
• 30-day net worth history
• Percentile rank preview
• Mobile & desktop access
• Basic wealth trajectory projections

Best for: Anyone getting started with net worth tracking or testing the app.

Premium Tier

Pricing options:

• Monthly: $12.99/month (13% cheaper than Monarch's $14.99)
• Annual: $99/year (36% off monthly)
• Founding Member: $79/year forever (first 1,000 users only)

What's included (everything in Free, plus):

• Unlimited bank account auto-sync (11,000+ institutions)
• Unlimited crypto wallets (5 blockchains)
• 365-day net worth history
• Full percentile ranking with distribution charts
• Advanced wealth trajectory with per-account customization
• Monthly contribution tracking
• Transaction history (categorize and analyze spending)
• Reports & CSV export (tax prep, personal records)
• Priority support (24-hour response time)

Best for: Anyone serious about tracking wealth growth and reaching financial goals.

Why we charge: We're subscription-based because we never sell your data. Unlike free apps (Mint, Credit Karma) that monetize via ads and affiliate offers, we make money only from you. This aligns our incentives with yours.

Privacy & Security

Financial data is the most sensitive data you have. Here's how we protect it.

Data Security

• Bank-level encryption: Your data is encrypted both when stored and when transmitted
• Zero-knowledge architecture: We never see your bank login credentials (Plaid handles this securely)
• Data isolation: You can only see your own data, period
• Industry-standard security: We follow the same security practices as major financial institutions

Privacy Commitments

✅ We never sell your data (subscription model) ✅ We don't share data with advertisers (no third-party trackers) ✅ Percentile data is anonymous (opt-in only, revocable anytime) ✅ You can export your data anytime (CSV download) ✅ You can delete your account anytime (self-service in settings)

Third-Party Integrations

We use these trusted partners:

• Plaid: Bank account connections (used by Venmo, Robinhood, Coinbase)
• Alchemy: Crypto wallet syncing (used by OpenSea, Adobe, Shopify)
• Stripe: Payment processing (we never store your credit card)

None of these partners see your full financial picture. Only the specific data needed for their service.

Getting Started

Ready to track your net worth? Here's how to get started in under 5 minutes.

1. Sign Up (Free)

Visit guapital.com/signup and create an account with:

• Email + password, OR
• Google / GitHub OAuth (faster)

2. Add Your First Asset

Choose one of three methods:

A. Connect a Bank Account (Premium)

• Click "Connect Account" then "Bank/Investment Account"
• Choose your institution (e.g., Chase, Fidelity)
• Log in securely through your bank
• Accounts sync automatically

B. Add a Crypto Wallet (Free)

• Click "Add Wallet" then enter wallet address
• Select blockchain (Ethereum, Polygon, Base, Arbitrum, Optimism)
• Balances sync automatically

C. Add Manually (Free)

• Click "Add Asset" then select category (Cash, Real Estate, Vehicle, etc.)
• Enter current value
• Update monthly (or set a reminder)

3. Add Liabilities (Optional)

Don't forget your debts. They're part of your net worth:

• Student loans
• Credit card balances
• Mortgages
• Personal loans
• Car loans

4. See Your Dashboard

Boom. You now have a real-time net worth dashboard. Check back daily, weekly, or monthly to see your progress.

5. Project Your Future (Optional)

Click "Trajectory" to see where you'll be in 10, 20, or 30 years. Add monthly contributions to retirement accounts or investments to see the power of compound growth. This step is optional but highly recommended for long-term planning.

6. Opt In to Percentile Ranking (Optional)

Want to see where you stand?

• Go to Settings then Percentile Tracking
• Read the privacy disclosure
• Click "Opt In"
• Enter your date of birth (for age-based percentile calculation)
• Instantly see your percentile rank

Frequently Asked Questions

Is Guapital free?

Yes, we have a free tier with unlimited manual entries and up to 2 crypto wallets. If you want automatic bank syncing and full historical data, upgrade to Premium ($12.99/mo or $99/yr).

How does Guapital make money?

We're a subscription-based service. We make money from Premium subscriptions, not from selling your data. This aligns our incentives with yours: the better we serve you, the more you'll want to stay subscribed.

Is my data secure?

Yes. We use bank-level encryption and trusted partners (Plaid, Stripe). We never store your bank credentials. Plaid handles authentication securely. See our Privacy Policy for details.

What's the difference between Guapital and Monarch Money?

Bottom line: Choose Guapital if you want percentile insights, wealth projections, and first-class crypto tracking. Choose Monarch if you need robust budgeting tools.

Do I have to opt in to percentile ranking?

No. Percentile ranking is 100% optional. You can use Guapital without ever sharing your data. If you opt in, your data is anonymized and only used for percentile calculations.

Can I track crypto on multiple chains?

Yes. We support:

• Ethereum (ETH, ERC-20 tokens)
• Polygon (MATIC, tokens)
• Base (Coinbase L2)
• Arbitrum (ARB, tokens)
• Optimism (OP, tokens)

More chains coming soon (let us know what you need: help.guapital@gmail.com).

What if I downgrade from Premium to Free?

No problem. If you cancel Premium:

• Your Plaid accounts auto-convert to manual assets (preserves your tracking data)
• Transaction history is preserved (you just can't add new transactions)
• You keep 30-day net worth history (lose access to 365-day history)
• You can re-upgrade anytime to restore full features

Can I export my data?

Yes. Premium users can export to CSV anytime (net worth snapshots, transactions, account balances). This is useful for tax prep, personal records, or migrating to another tool.

Do you support joint accounts or household tracking?

Not yet, but it's on our roadmap. If you want this feature, email us: help.guapital@gmail.com.

What if I find a bug or have a feature request?

We're a small, nimble team. Email us at help.guapital@gmail.com or use the in-app feedback button. We read every message and respond within 24 hours (Premium) or 48 hours (Free).

The Bottom Line

Most finance apps either guilt you about spending or give you numbers without context.

Guapital is different.

We answer the question nobody else will: "Am I actually doing well for my age?"

With percentile rankings backed by Federal Reserve data plus real user insights, you finally get honest context about your financial progress. Add first-class crypto support, and privacy-first architecture You have the net worth tracker built for how you actually live.

The truth is simple:

• If you hold crypto and want it tracked properly? Guapital.
• If you want to know where you rank vs. peers? Guapital.
• If you want to see your path to $1M or financial independence? Guapital.
• If you're tired of budget shame? Guapital.
• If you need detailed budgeting features? YNAB or Monarch.

Here's how to get started (takes under 5 minutes):

1. Sign up free at guapital.com/signup
2. Add your first asset (crypto wallet, bank account, or manual entry)
3. See your net worth in real-time on your dashboard
4. Check your Trajectory to see where you'll be in 10-30 years
5. Opt in to percentile ranking (optional) to see where you stand
6. Upgrade to Premium ($99/yr) for auto-sync, unlimited accounts, and full historical tracking

Founding Member Deal (First 1,000 Users Only):

Join now and lock in $79/year forever. That's 49% off monthly pricing and 20% off regular annual pricing. Once we hit 1,000 users, this offer disappears.

Ready to stop guessing and start knowing? Get started free →

Questions? Email us at help.guapital@gmail.com.

Last updated: October 2025