What people ask
most often.

Skarbify is free during beta — no limits, no credit card. Future pricing will be announced in the changelog. See the pricing page for context.

Stored in Postgres (Neon, Frankfurt region) over TLS. Authentication is via magic links — no password to leak or remember. Optional TOTP 2FA. JSON export and one-click account deletion at /rodo.

No. Skarbify is an informational tool — it shows portfolio state, calculates Belka tax (PL), and proposes rebalances. It does not recommend specific assets or trading decisions.

Yes. Skarbify has a responsive UI (bottom tab bar, drawer menu) and installs as a PWA — open the menu and tap Install app. Once installed it runs like a native app, no URL bar.

Partially. A service worker caches the app shell so the installed PWA launches without network. Fresh data still needs a connection — offline you see the most recently loaded state.

Daily close, fetched once per day. Stocks and ETFs: Twelve Data → Alpha Vantage → Stooq → EODHD (cascading fallback). FX: NBP API. Crypto: CoinGecko. Polish savings bonds and Polish mutual funds have no free feed — NAV is entered manually.

NBP table from the business day before the trade (T-1), as required by Polish PIT law. The rate is locked onto each transaction once — we never use today's rate retroactively.

FIFO method (First-In, First-Out), as required by Polish law: sells consume the oldest open lots first. Skarbify shows a YTD estimate, a per-asset sell simulator, and YTD-loss compensation. We do not generate the PIT-38 form — file it yourself in e-Deklaracje.

Not in v1. Skarbify shows FIFO-correct numbers and YTD figures, but you fill the form yourself. This avoids the need for e-Deklaracje certification and keeps you in control. A CSV export of the FIFO ledger is available in the Belka view.

XTB, mBank (eMakler), Bossa (DM BOŚ), Interactive Brokers (Activity Statement), Revolut Trading. Each adapter reads the broker's native CSV export — no manual editing. Format details inside the app: /app/help.

Not yet. We add brokers incrementally — watch the changelog. If your broker isn’t supported, you can add transactions manually or convert your export to one of the supported formats.

Full support for PLN, USD, EUR, GBP, CHF. Each trade is stored in its native currency plus the NBP T-1 rate to PLN. Portfolio valuation is always in PLN, but the trade history keeps the original currency.

You initiate deletion at /rodo — a 30-day reversal window, then everything (transactions, portfolio snapshots, mortgage) is hard-deleted. The shared assets table (ticker → ISIN) stays.

Yes, at any time — full JSON dump (transactions, snapshots, mortgage, settings). Request the export at /rodo; the file is ready within a few minutes.

No public API in v1. Skarbify v1 is a Next.js monolith — all mutations go through Server Actions, no REST/GraphQL. If you have a concrete integration need, drop us a note via the RODO contact form.