Frequently Asked Questions

Common questions about using Hilora.

What is "Capital Exposed"?

Capital Exposed is the total amount you have actually paid out of pocket for your current (open) positions. It does not include assets you have already sold. Think of it as "the money currently at risk in the market."

Why does my P&L differ from what my broker shows?

A few common reasons:

• End-of-day prices. Hilora uses EOD (end-of-day) quotes, not real-time prices. There will always be a small difference during market hours.
• Spread. Brokers like eToro apply a spread (hidden commission). Their "value" uses mid or bid prices that differ from the raw exchange close.
• Currency conversion timing. If you paid in a different currency (e.g. USD for a EUR asset), Hilora uses the FX rate from the transaction date (captured when you record it), not today's. Your broker may have applied a slightly different rate or spread.
• Missing cost basis. If you imported a position with no cost_basis, P&L is calculated from zero — the full market value appears as gain.

What is Unrealized vs Realized P&L?

Unrealized is the gain or loss on positions you still hold — what you would make if you sold today. Realized is the gain or loss you have already locked in by selling. The dashboard shows both separately so you know how much is "on paper" vs actually yours.

In "Net worth evolution", why do I sometimes see a percentage and sometimes an amount?

Because there are stretches where a percentage would mean nothing. Hilora only shows one when there is something meaningful to compare against; otherwise it gives you the change in money, which is always true. The three cases where you will see an amount:

• The range starts on your first day of data. That day is not a financial moment: it is the day you started recording, with the app half empty. A percentage against it would measure how fast you entered data, not how your net worth is doing — hence figures like "+10,000%". The ALL range always falls here; the others only if you are new enough that your whole history fits inside.
• You started the stretch in the negative (owing more than you owned). Dividing by a negative number flips the sign: a real improvement would be painted as a huge drop.
• You end the stretch in the negative. If your net worth crosses zero within the range — when recording a debt, for instance — you have not lost a percentage of what you had: you have gone into the red, and that is said in money.

One caveat that applies to both formats: this variation is how much the number changed, not how much your money earned. It includes anything you contributed or withdrew during the period. If you deposited €5,000 this month, the rise is not the market giving you anything.

What does the orange warning badge in the navbar mean?

It means Hilora could not find a recent-enough market price or FX rate for at least one asset. Your net worth figure is approximate. It usually clears on its own within a few hours, once the daily pricing job runs. A weekend or holiday does not trigger it — Hilora carries the most recent available price forward for several days. If the warning persists, it is a genuine data gap (not just a closed-market day) worth looking into.

What is the difference between BUY and DEPOSIT?

BUY automatically deducts the amount from a linked cash account — it models the real cash outflow. You can use it for any asset type: stocks, crypto, a Rolex, a property. Use it when you want Hilora to track the full money flow across accounts.

DEPOSIT adds a position without touching any cash account. Use it for the initial import of existing positions, or when you want to record a holding without tracking the cash side.

When should I use an Adjustment transaction?

Adjustments let you correct the ledger without affecting P&L in unexpected ways. Three common cases:

• Inventory discrepancy — e.g. 0.000001 BTC lost to network rounding. Adjust quantity, leave amount at 0.
• Forgotten cost — e.g. a commission you forgot to record. Adjust amount, leave quantity at 0.
• Opening balance — set a starting position quickly without full transaction history. Adjust both quantity and amount.

Can I delete a transaction?

Yes, from the transaction detail screen. Hilora uses an immutable ledger model — deleting is discouraged unless it was entered in error. If you want to reverse a transaction, prefer recording an offsetting one (e.g. a SELL after a BUY).

Why is an asset showing "manual" pricing?

The asset either has no automatic price source, or you have set its valuation strategy to manual static. Common cases: real estate, watches, some ETFs listed on exchanges not yet covered. You can update the value manually from the asset detail screen at any time.

I can't find an asset (stock, ETF, crypto) — what do I do?

Hilora's catalog keeps growing, but it may not cover a specific security yet. Two options: (1) add it manually with manual static valuation and update its value whenever you like — this works for any asset; (2) let us know via the contact form with the ticker/ISIN (or name) and we'll add it to the catalog with automatic pricing as soon as we can.

How do I add a mutual fund from Myinvestor or BBVA?

Search for the fund by name or ISIN in the asset creation form. Hilora covers most European mutual funds (iShares, Vanguard, Fidelity, Amundi, etc.) with daily NAV (net asset value) via EODHD. If your fund is not found, add it manually with manual static valuation and update the NAV when you check your account.

Can I record what my flat (or my watch) was worth three years ago?

Yes. Any manually valued asset has an Appraisals box on its detail page: enter the value with the date it was true, and Hilora applies it from that day until the next appraisal. Your net worth history then shows what the asset was worth back then, not what it is worth today. Nothing is interpolated between two appraisals: a flat does not change price daily, and inventing figures in between would produce a number nobody ever assessed. If the appraisal you add is the most recent one, it also becomes the asset's current value — you are told so when you save.

What is a snapshot?

A snapshot is Hilora's record of your total net worth on a specific date. Snapshots are created daily and drive the historical chart on your dashboard. When you add a new asset with a past acquisition date, Hilora automatically backfills historical snapshots from that date forward.

My import says "already exists" — what does that mean?

Hilora identifies positions by account name + asset name (case-insensitive). If you already have an asset with the same name in the same account, the row is skipped to avoid duplicates. You can still add transactions to that asset manually.

Do you support broker exports directly (eToro, Degiro, Binance)?

We don't parse the broker's file as it comes: every broker has its own format and they change without notice. There are two ways in:

• Quick form. Search each position by name, ticker or ISIN and fill in quantity, date and cost. No files — the comfortable option for a portfolio of a few lines.
• Generic CSV. Map your statement to a single format (reordering columns in a spreadsheet is usually enough) and Hilora matches each row against its catalogue by ISIN or ticker. Before importing anything it shows you what it recognised and what it did not.