Frequently Asked Questions

Personal finance and portfolio management, in one private dashboard. Lait aggregates crypto wallets, exchanges, stock brokers, bank accounts, savings, real estate, vehicles, luxury items and liabilities. Built for European and US investors: EUR and USD portfolios, converted live at ECB rates.

Basic access is free and does not expire: portfolio, net worth and transactions, one bank, one wallet and one exchange, basic AI with a daily allowance, one portfolio plus demo mode. Signing up takes no card. Premium adds unlimited connections, the expert AI models, full history on every asset class, the Spanish tax estimate, the 60-day cashflow forecast, up to five portfolios and data export.

Premium is a flat subscription, monthly or yearly, never a percentage of what you own. The price is on the pricing section of the landing page. Every new account gets a 7-day Premium trial with no card and no automatic renewal; when it ends you keep basic access. Payments go through Stripe and you can cancel from Settings at any time; a yearly plan runs to the end of the period you paid. Prices include Spanish VAT.

Demo mode lives in Settings. Turn it on and the app fills with realistic sample data: crypto wallets, exchange positions, bank accounts, stocks, savings, real assets and liabilities. Explore every feature, with no real account connected.

It installs to your home screen, no app store. lait.finance is a progressive web app (PWA) that runs in any browser and opens full screen on iOS and Android, like an app. Add it from your browser's Add to Home Screen option. The interface is responsive and optimized for mobile, with the same features as on desktop.

Read-only APIs, Open Banking, CSV or by hand — every account type takes at least two of those routes. Wallets (MetaMask, Rabby, Phantom, Ledger, Trezor) and exchanges (Binance, BingX, Bybit, Coinbase, OKX, KuCoin, Bitpanda, Bitvavo, Bitstamp, Kraken, Blofin, PrimeXBT, Aster, Backpack, Hyperliquid) come over API. Banks through bank statements by CSV or Excel from 40+ banks, plus card payments through an Apple Pay shortcut; direct Open Banking (PSD2) sync with 2,500+ European banks is coming. Stocks and ETFs through read-only broker sync through SnapTrade (Trade Republic, Interactive Brokers) on Premium; on Free, trade-history exports from DEGIRO, Interactive Brokers, Trade Republic, Scalable Capital, MyInvestor, eToro, Revolut or positions added by hand. One dashboard: net worth, allocation, monthly performance.

Budgeting starts with a guided setup. Bring in your bank data (bank statements by CSV or Excel from 40+ banks, plus card payments through an Apple Pay shortcut; direct Open Banking (PSD2) sync with 2,500+ European banks is coming); 336 merchant rules and optional AI categorize each transaction automatically. You get income, expenses and savings rate, plus per-category spending with progress rings, streaks and pace. Budgets recalculate monthly from detected income.

Spanish taxes, calculated from your own numbers. The tax view estimates income tax on savings (capital gains, dividends, interest) and the wealth tax across the 15 autonomous communities, with regional scales, exempt minimums and the primary-residence exemption. It reads your portfolio and net worth, so figures move as holdings change. Estimates for planning, not official filings. The tax view is part of Premium.

Property, vehicles, watches, jewelry and yachts all count toward your net worth, among other physical assets. You enter the value or ask for an estimate: for property it combines a €/m² table by neighbourhood with a web search of listing portals and shows its confidence and sources; vehicles use market depreciation, luxury items an AI estimate. For property you can also record your share (50 % with a spouse, say) and whether you hold full ownership, bare ownership or a usufruct, so net worth counts only your part, and its cadastral value, so the wealth tax estimate values it as the tax does: at the highest of the cadastral value, the value checked by the Spanish Tax Agency and the purchase price.

No. Lait's valuation is a market estimate (a €/m² table by neighbourhood plus listing portals), and it is what your net worth shows. The cadastral value is set by the Catastro from each town's ponencia de valores: the value of the land plus that of the building (cost per m² adjusted for type, quality and age), times 1.40 for costs and profit and a market coefficient of 0.5. So it usually sits well below market and depends on the year your town last revised its values. It is protected data only the owner can see: copy it, for the whole property, from the IBI receipt (the valor catastral, not the base liquidable), your Renta tax data or the Sede del Catastro. The Catastro also publishes a valor de referencia, built each year from notarised sale prices with a 0.9 reduction factor, which is the base in purchases and inheritances. For the wealth tax estimate Lait takes the highest of the cadastral value, a value the Spanish Tax Agency checked for another tax and the purchase price; the income tax imputed rent is 2 % of the cadastral value, or 1.1 % where your town revised it from 2012.

Mortgages, loans and other debts sit alongside your assets. Each carries its outstanding balance, interest rate, monthly payment and remaining term. Link one to a real asset — a mortgage to a property — and you see the net equity. Net worth is assets minus liabilities.

Yes, through read-only broker sync through SnapTrade (Trade Republic, Interactive Brokers) on Premium; on Free, trade-history exports from DEGIRO, Interactive Brokers, Trade Republic, Scalable Capital, MyInvestor, eToro, Revolut or positions added by hand. Lait tracks cost basis, unrealized gains and allocation across all asset types.

Dividend data and upcoming earnings dates sit on each stock or ETF's detail page, next to price performance and your cost basis. Savings accounts accrue interest automatically from the APR you set. That interest flows into your balances and your net worth.

Every account's movements land in one feed, whichever way they came in: bank statements by CSV or Excel from 40+ banks, plus card payments through an Apple Pay shortcut; direct Open Banking (PSD2) sync with 2,500+ European banks is coming. Categorization is automatic: groceries, rent, subscriptions, dining, transport and more. Filter by account, date range, category or inflow/outflow. On-chain movements across Ethereum, Arbitrum, Base, Optimism, Polygon, Solana, Bitcoin are visible too.

A real-time heatmap sits on the Markets page, tracking price moves across stocks, crypto, forex and commodities. Beside it, interactive TradingView charts and a personal watchlist. Macro indicators as well: EUR/USD, DXY, S&P 500, Gold and Oil among them.

A European standard (PSD2) that gives lait.finance read-only access to your bank, with your explicit consent and through a regulated provider. Instead of importing CSV by hand, balances and transactions sync on their own, several times a day, across 2,500+ European banks, among them BBVA, Santander, ING, CaixaBank, Deutsche Bank and BNP Paribas. Lait is built for it and is opening it to members soon; until then, bank data comes in as a CSV or Excel statement or through the Apple Pay shortcut.

Wallets are read by their public address, never a key: MetaMask, Rabby, Phantom, Ledger, Trezor. EVM chains through Zerion and Alchemy, Solana through Helius, Bitcoin addresses directly. The 15 exchanges: Binance, BingX, Bybit, Coinbase, OKX, KuCoin, Bitpanda, Bitvavo, Bitstamp, Kraken, Blofin, PrimeXBT, Aster, Backpack, Hyperliquid. Connect them with API keys from Settings. Polymarket prediction-market positions are tracked too.

Europe and the US. Bank statements import from any country; the Open Banking sync covers the EU, UK and EEA once it opens. Crypto exchanges and wallets work anywhere; property estimates are tuned for Spain (a €/m² table by neighbourhood plus listing portals), with more countries coming. EUR and USD, on live ECB rates.

Connections are read-only — Lait reads your accounts, never moves funds. API credentials are encrypted with AES-256 before storage, and Open Banking goes through regulated PSD2 providers. Strict security headers (CSP, HSTS, X-Frame-Options), rate limiting on sensitive endpoints, and the database and server functions in Frankfurt. Lait does not sell user data, and nothing you share is used to train an AI model: before anything reaches a model, IBANs, emails and phone numbers are stripped, and every AI provider is used under API terms that exclude training. Your data is not the product.

Both live in Settings. Export a full copy of your data whenever you want. Deleting your account erases your portfolio, transactions, connections and personal data for good. As a European service, lait.finance complies with the GDPR: access, rectification, portability and erasure. Revoking a single bank or exchange connection is one click.

Delta and CoinStats lead with crypto; Finary, the closest all-in-one, was built for France and has no Spanish tax estimate. Lait brings crypto from 15 exchanges and self-custody wallets, bank accounts and stocks together in one dashboard. Beside them: monthly budgeting with AI categorization, property and vehicle valuations, liabilities, an AI wealth advisor. EUR and USD, for investors in Europe and the US.

There is one, with full context of your portfolio, real assets, liabilities, net worth and transactions. It reads your risk profile, allocation and goals, and runs on OpenAI and Anthropic models. Ask it in plain language: should I rebalance, what is my real estate equity. It answers from your own numbers, can draw allocation, trend and rebalance charts computed by the server, and never moves money: every change it proposes arrives as a card you confirm. Basic access includes the smaller models with a daily allowance; Premium adds the expert models and an effort setting.