Field notes on aggregating European wealth.

Methods, comparisons and plain accounts of how Lait works, from the person who builds it. No news, no hot takes: things that stay true for a year.

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Latest · 10 · 2026.09.10

Seeing Expenses Before They Hit: Recurring Detection, Budgets and the Apple Pay Shortcut

How Lait finds your subscriptions and bills from transaction history, predicts what is due in the next 60 days, and shows a card payment the second you make it without counting it twice when the bank posts it.

Product · 3 min read · Read →

092026.08.30Product

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Why an AI Advisor Should Never Move Your Money

What the Lait advisor can see, what it can do, and the four boundaries that keep it useful without making it dangerous: read-only, anonymised context, confirmation for every write, no training.

Product · 3 min read · Read →

082026.08.14Engineering

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Your Bank’s CSV Is a Mess. Here Is How We Parse 55 of Them.

Field notes from building a parser corpus: thousands separators that look like decimals, dates with no year, BOMs and Windows line endings, and the tests that keep 55 bank and 31 exchange formats working.

Engineering · 4 min read · Read →

072026.07.28Method

Valuing Watches, Cars and Property Honestly

Physical assets are where net worth becomes fiction. How Lait values a watch from Chrono24 comparables, a car from the used market, and a flat from listings, and why every figure carries a date.

Method · 3 min read · Read →

062026.07.10Method

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The 4 Percent Rule, and the Age Lait Says You Could Stop Working

How a "free at 47" figure is computed: the withdrawal rule, the assumptions behind it, and the three inputs that move the age the most.

Method · 3 min read · Read →

052026.06.25Tax

Spanish Taxes for Investors: What IRPF and the Wealth Tax Do to Your Portfolio

The savings income scale, the wealth tax and its regional exemptions, the FIFO rule for sales, and how an "if you sold today" estimate is built. An estimate, not advice.

Tax · 4 min read · Read →

042026.06.08Method

A Bitcoin coin in front of a screen of price charts

Tracking Crypto Across Exchanges and Wallets Without Counting Anything Twice

Why crypto portfolios drift from reality: dust, wrong-token price matches, exchange sub-accounts, and trades imported from two sources. How Lait handles each.

Method · 3 min read · Read →

032026.05.20Guide

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Open Banking Explained: What Your Bank Actually Shares When You Connect It

What PSD2 read-only access is, what a licensed provider can and cannot see, why consent expires every 90 days, and what happens to your credentials.

Guide · 3 min read · Read →

022026.05.02Method

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How to Calculate Your Real Net Worth (and the Four Numbers Most People Get Wrong)

A method for a net worth figure you can trust: what counts, what to subtract, and the four places where the usual spreadsheet quietly lies.

Method · 4 min read · Read →

012026.04.11Comparison

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Best Portfolio Trackers for European Investors in 2026

Seven portfolio aggregation apps compared across 19 features that matter to European and US investors: Delta, CoinStats, Kubera, Wealthica, Finary, getquin and lait.finance.

Comparison · 6 min read · Read →