How to use MyGoldFolio

Open the Portfolio tab and tap the + button. Fill in the category (e.g. coin, bar, jewellery), weight in grams, total cost in EUR, purchase date, and optionally a location and notes. Tap Save and your holding appears immediately with live P&L.

Required: category, weight (grams), total cost (EUR), and purchase date. Optional: location, notes, purity, and margin profile. The more you fill in, the richer your analytics will be.

List shows full holding cards that expand on tap for detailed stats. Compact groups holdings by category with collapsible groups. Timeline sorts holdings by their tax-free date. Switch between them using the view toggle at the top of the Portfolio tab.

Yes. Long-press any holding to open the action menu with Edit, Duplicate, Sell, and Delete options. In List view you can also tap to expand, then use the buttons at the bottom of the detail card.

Long-press the holding and choose Duplicate. A new add form opens pre-filled with the same category, location, weight, purity, margin profile, and notes. The date is set to today and the cost is blank so you can enter the new purchase details.

Excluded holdings are kept in your portfolio but removed from all calculations — total grams, P&L, break-even, and portfolio weight. This is useful for holdings you've gifted, pledged, or simply want to track without affecting your active figures. Toggle the switch in the holding detail card.

The app includes three independent price sources that reflect near-real-time London/New York market data. If one source is unavailable, the app automatically tries the next. No API keys are required.

Prices update each time you pull to refresh on any tab, or automatically if you've configured a Dashboard refresh rate in Settings (e.g. every 15, 30, or 60 minutes). Background fetch can also update prices when the app is closed.

The bar chart on the Prices tab visualises your saved price history. You can pan and tap to crosshair individual data points. Below the chart you'll see 7-day, 30-day, and 90-day change indicators showing how the spot price has moved.

The 24h window shows the high, low, range, and move % for spot gold over the last 24 hours. It gives you a quick sense of intraday volatility.

Yes. In the price history table on the Prices tab, tap the pin icon on any row to mark it. Pinned entries are preserved even when older data is automatically pruned, so you can bookmark important price points for reference.

The app automatically tries the next source in order. If all sources fail, a banner appears showing how long ago the last successful fetch was. Your portfolio continues to display using the most recent known price. You can configure the source priority order in Settings.

When you buy physical gold, you typically pay more than the raw spot price — that markup is the buy margin. When you sell back, you receive less than spot — that discount is the sell margin. Together they form the dealer's spread (the round-trip cost of buying and selling).

Your break-even is the spot price at which selling would exactly cover your cost. Since you lose the sell margin on each gram sold, break-even is higher than your paid-per-gram price. Lower margins mean a lower break-even and faster path to profit.

Margin profiles let you save named sets of buy/sell margins for different dealers or banks. For example, you might have "Dealer A" with tight spreads and "Bank B" with wider ones. You can create up to 10 profiles in Settings → Margin Profiles.

When adding or editing a holding, a Margin Profile picker appears (if you've created any profiles). Select the profile that matches the dealer you bought from. Holdings without an assigned profile use the default global margins.

The default margin is the global buy/sell spread set at the top of the Margin Profiles section in Settings. Any holding that doesn't have a specific profile assigned will use these default values for all calculations.

P&L compares what you would receive if you sold now (spot price minus your sell margin, multiplied by your grams) against what you originally paid. It gives you a realistic picture by accounting for the dealer's sell-side spread.

Break-even is the spot price at which selling your gold would return exactly what you paid. It factors in the sell margin, so it's higher than your cost-per-gram. Once spot exceeds your break-even, you're in profit.

Gap to B/E (Break-Even) is the difference between the current spot price and your break-even price per gram. A positive gap (green) means you're above break-even and in profit. A negative gap (red) means spot still needs to rise before you break even.

Return % shows your net P&L as a percentage of your total cost. For example, if you paid €5,000 and your current sell value is €5,500, your return is +10%. This makes it easy to compare performance across holdings of different sizes.

Portfolio weight shows what percentage of your total portfolio cost a single holding represents. A holding that cost €2,000 in a €10,000 portfolio has a 20% weight. It helps you see how concentrated your investment is.

Long-press a holding and choose Sell, or tap a holding to expand it and use the Sell button. Enter the grams sold and the price per gram you received. The app records the sale and automatically tracks the realised profit or loss.

Yes. Enter any amount up to the holding's total grams. The holding will show the remaining grams and a "partially sold" indicator. If you sell all grams, the holding is marked as FULLY SOLD and dimmed in your portfolio.

Scroll down on the Portfolio tab to find the Sell History section. It lists every sale with date, grams, rate, proceeds, and the per-allocation P&L. A summary bar at the top shows your total realised P&L.

Realised P&L is the actual profit or loss from completed sales — money in your pocket. Unrealised P&L is the paper profit or loss on holdings you still own, based on the current spot price. Both are shown in the portfolio stats bar.

Each holding tracks how many days have passed since purchase. Once that exceeds your configured tax-free holding period (default: 365 days), the holding is marked TAX FREE. The countdown shows exactly how many days remain for each holding.

Yes. Go to Settings and adjust the Tax-Free Days value. Different countries have different holding period requirements (e.g. 365 days in Germany). All countdowns and tax status badges update immediately.

The tax status bar on the Dashboard shows a visual split of your total grams into tax-free (green) and taxable (amber) portions. It helps you see at a glance how much of your portfolio has reached the tax-free threshold.

Scenarios let you explore "what if gold reaches X price?" without affecting your real data. The Scenarios tab shows a table of hypothetical prices with the resulting sell value, P&L, and return for each. You can add your own target prices or use the smart generator.

It analyses your recent price history (up to 30 days) to detect the current market trend, then generates 6 meaningful price targets — including bull, bear, and sideways scenarios. It also injects your break-even price and notable milestones like all-time highs.

The slider at the top of the Scenarios tab lets you drag to any price and instantly see your portfolio's sell value and P&L at that price. It's a quick way to explore a range of outcomes without adding individual scenario rows.

The trend badge in the Scenarios header (e.g. "Mild uptrend 30d") shows the detected market direction based on recent price history. It ranges from strong bull to strong bear. Tap it to jump to the Prices tab for more detail.

The app offers several alert types: Price alerts (spot crosses a target), Milestone alerts (portfolio value hits a milestone), P&L watchers (profit/loss swings beyond a threshold), Goal alerts (gram or P&L goal reached), plus built-in alerts for tax-free dates, break-even crossings, all-time highs, sell windows, and purchase anniversaries.

Set a target price and choose above or below. When the spot price crosses your threshold, you get a notification. Price alerts can fire during foreground use or via background fetch. You can add an optional label to remember why you set it.

Milestones fire once when your total portfolio value reaches a target amount (e.g. €10,000). After firing, the alert is consumed. To get notified at the same value again, re-add it.

P&L watchers notify you when your net profit or loss swings beyond a set amount (e.g. ±€500). Unlike milestones, watchers automatically re-arm — once the P&L returns within range, the watcher resets and will fire again on the next swing.

If you've set a gram goal or P&L goal in the Goals section, you can enable an alert for each. The alert fires when your portfolio reaches the target. It re-arms if you increase the goal or if your portfolio drops back below the threshold.

The sell window alert notifies you when all of your holdings are simultaneously in profit. This signals a potential optimal selling window. It clears when any holding drops back into a loss.

In Settings, scroll to the alerts section and expand Alert History. It shows a timestamped log of every alert that has fired, including the type, message, and the spot price at the time.

Background fetch allows the app to check gold prices and run your alerts even when the app is closed. When enabled, it uses Android's work scheduling system to periodically fetch the latest price and send notifications if any alerts trigger.

In Settings → Background Fetch, enable the toggle and add one or more schedules. You can set specific times (e.g. 09:00 and 18:00) and choose daily, weekly (specific days), or monthly (specific date) frequency.

Android's battery optimisation can delay or skip background tasks. For best results, the app will prompt you to exempt it from battery optimisation on first enable. Some manufacturers (Samsung, Xiaomi, Huawei) have aggressive power management — you may need to adjust their device-specific settings.

Go to Settings → Display and select your preferred currency. All screens update instantly. Your data is always stored in EUR internally — the display simply converts using live exchange rates.

Currencies: EUR, USD, GBP, INR, AED, SAR, TRY, and EGP. Weight units: grams (g), troy ounces (ozt), and tola. Switch at any time in Settings — all prices and weights across every screen update immediately.

Exchange rates are fetched automatically when you select a non-EUR currency and cached for one hour. The app refreshes rates in the background as needed. If rates can't be fetched, the last known rates are used until a connection is available.

Tap the eye icon on the Dashboard to toggle privacy mode. When active, all monetary values across every screen are masked with dots. Useful when checking the app in public — your portfolio structure is visible but no amounts are shown.

In Settings, scroll to the Portfolio section. Enter a target in the Gram Goal or P&L Goal field. Set to 0 to disable. You can also enable alerts to get notified when a goal is reached.

Active goals appear in the Goals section on the Dashboard with animated progress bars showing how close you are to each target. The section can be hidden via Settings if you prefer a cleaner dashboard.

The Buy More simulator lets you explore "what if I buy X more grams?" without actually adding a holding. Enter a hypothetical weight and cost to see how it would change your average paid price, total grams, break-even, and portfolio P&L.

The Sell simulator shows what you'd receive if you sold a given amount of grams at the current spot price (after sell margin). It displays the proceeds, realised P&L, and remaining portfolio stats — all hypothetical, nothing is recorded.

No. Both simulators are purely hypothetical — they never modify your holdings, sell history, or any stored data. They're safe to use as many times as you like for planning purposes.

Go to Settings → Export & Backup and tap Backup. Choose to save the JSON file to your device or share it (e.g. via email, cloud storage, or messaging). We recommend backing up regularly since all data is stored locally.

In the same Export & Backup section, tap Import Backup and select a previously saved .json file. The app validates the file, restores your data, and restarts. Your security settings (PIN, biometric lock) are not overwritten by the backup.

Backups include your holdings, sell history, price history, all settings and preferences, alerts, scenarios, and goals. Not included: security settings (PIN, biometric lock), API usage counters, and cached exchange rates — these stay on your current device.

Three CSV exports are available: Price History (spot prices over time with buy/sell rates), Portfolio (all holdings and sell events with cost, purity, and margin profile), and Tax Report (sell allocations with acquisition dates, holding periods, and tax status). Each can be saved to device or shared.

Only if you explicitly opt in during first launch (or later in Settings). If you consent, anonymous usage data is shared, such as screens visited and features used. No financial data, no holdings, no portfolio values, and no personal information is collected.

Go to Settings → Privacy and toggle off Share usage data. This takes effect immediately.

Go to Settings → Security and enable Biometric Lock. The app will require fingerprint or face authentication each time you open it. You'll also set a 4-digit fallback PIN in case biometrics aren't available.

The fallback PIN is a 4-digit code you set when enabling biometric lock. It serves as an alternative unlock method if your fingerprint or face sensor isn't working. The PIN is stored securely on your device and is never included in backups.

Purity indicates the gold fineness of your holding in millesimal notation (e.g. 999.9 for 24K, 916 for 22K, 750 for 18K). You can select a common preset or enter a custom value when adding or editing a holding.

Purity is a display-only badge — it does not affect P&L, break-even, or any other calculations. It's shown as an informational label so you can track the fineness of each piece. In the detail card, a "pure content" field shows the equivalent fine gold weight for reference.