Personal finance vs investment tracking
Personal finance is the full household picture: cash, debt, budgets, goals, and investments together. An investment tracker alone shows portfolio P&L; a personal finance OS connects that portfolio to savings rate, emergency cover, and goal progress.
Capitallytics separates Personal Finance OS modules (net worth, budget, goals, tax tools) from the Portfolio Tracker, then links them so concentration risk and cash flow appear in context.
Business Finance is a separate workspace for revenue, expenses, cash flow, and FP&A — so household and company books stay clear.
What to track first
Start with net worth (assets minus liabilities), then a simple budget and one or two goals. Add your portfolio when you want live P&L and allocation beside those numbers.
Use free finance calculators for SIP, EMI, FIRE, and retirement scenarios before committing to a plan. Capitallytics calculators are educational estimates — not personalized recommendations.