Finary

Finary is a personal-finance and investment app that brings linked accounts and manually added assets into a shared view. It best suits people who want to follow net worth across several asset types, rather than investors seeking specialist stock research. Its broad tracking and reporting are useful, but the free plan’s two-account cap makes it a limited long-term option for users with finances spread across providers.

Overview

Finary combines account connections with tracking for assets and liabilities such as real estate, crypto, precious metals, and startup holdings. Its connectors can synchronize accounts from over 20,000 banks and institutions, while manual entries let users include wealth that is not held in a connected account. That breadth can make the app a more complete net-worth dashboard than a brokerage-only tracker, although manually added holdings require upkeep.

Reporting includes performance and allocation breakdowns by geography, sector, and market segment. Budgeting tools track income and expenses and identify recurring expenses, while a fee scanner is designed to surface investment fees and lower-cost alternatives. Finary also offers crypto investing and Finary Life, an individual life-insurance contract insured by Generali Vie. Together, these features cover several personal-finance needs, but the product’s center of gravity is wealth tracking rather than detailed security research.

Key features

• Connected accounts and manual holdings: Synchronization across more than 20,000 banks and institutions can reduce the work of keeping financial accounts together. Users can add liabilities and assets including property, crypto, precious metals, and startup holdings, which helps broaden the net-worth picture beyond conventional accounts.
• Portfolio reporting: Performance tracking and allocation views by geography, sector, and market segment help users see how a portfolio is distributed and how it changes. This is useful for oversight, but does not make Finary a specialist stock-research platform.
• Spending and fees: Income and expense tracking, recurring-expense identification, and an investment fee scanner extend the app beyond portfolio monitoring. The fee scanner’s purpose is to identify hidden costs and lower-cost alternatives; users looking primarily for budgeting or fee analysis may still find the account limits of the free tier restrictive.
• Security and compliance: Finary says aggregator partners handle banking credentials and that connected access is read-only, so the app cannot initiate transactions. It says the platform runs in European Google Cloud zones, uses TLS in transit and AES-256 encryption at rest, and undergoes external audits and penetration tests. Finary also states that it is authorized as a crypto-asset service provider by the AMF under MiCA, authorization A2026-026 / N2026-008.

Pricing

Finary uses a freemium model, with four plans billed annually or free forever. The decisive difference is account and goal capacity: Free is limited to two linked accounts and two tracked goals, while Lite, Plus, and Pro include unlimited accounts and goals. Paid plans also include priority support; Finary provides a Help Center and contact email for assistance.

• Free — free: Free forever, with two linked accounts, two tracked goals, and Invest fees of 1.49%. It is a sensible way to try the core tracking approach, but the two-account ceiling is a poor fit for users consolidating several financial providers.
• Finary Lite — €54.99 a year: Unlimited linked accounts and tracked goals, Invest fees of 1.29%, and a 3-day free trial. It is the lowest-cost paid tier and the practical step up for users who mainly need broader account and goal capacity.
• Finary Plus — €149.99 a year: Unlimited linked accounts and tracked goals, Invest fees of 0.99%, and a 14-day free trial. It costs substantially more than Lite; the lower listed Invest fee and longer trial are the distinguishing terms, so it is most relevant to users who value those differences.
• Finary Pro — €349.99 a year: Unlimited linked accounts and tracked goals, professional and personal assets, Invest fees of 0.99%, and a 14-day free trial. This tier is aimed at users who need professional assets alongside personal finances; for personal tracking alone, its higher annual price is harder to justify from the added scope.

Lite and Plus provide unlimited accounts and goals, so the free plan’s caps are the main reason to upgrade. Choose among paid plans based on trial length, Invest fees, and whether professional assets matter; the plan differences do not establish a reason for every user to pay for Plus or Pro.

Platforms

Finary is available on Android, iOS, macOS, and the web. That range gives users mobile and desktop options for keeping up with accounts and portfolio information.

Who it's for

Finary is a good fit for people who want one view of linked accounts, investment performance, spending, and assets such as property or crypto. Lite is the most straightforward choice when the free account and goal limits are too small; Plus may suit users who value its lower Invest fee, and Pro is the relevant tier when professional assets need to sit beside personal ones.

It is less suitable for someone who only needs a small, simple tracker and can stay within two linked accounts, or for an investor whose priority is detailed individual-stock research. The app’s broad wealth view is its strength, not a claim to cover every specialized investment workflow.

Pros and cons

• Pros: Connectors cover over 20,000 banks and institutions, and manual asset tracking spans property, crypto, precious metals, and startup holdings.
• Pros: Performance and allocation reporting sit alongside budgeting, recurring-expense identification, and investment fee analysis.
• Pros: Paid tiers remove account and goal limits, with Pro adding support for professional assets.
• Cons: The free plan’s two linked accounts and two goals may not be enough to build a useful consolidated view.
• Cons: Paid plans start at €54.99 a year, and Plus and Pro cost more for narrower distinctions such as lower Invest fees or professional-asset coverage.
• Cons: Some holdings must be added manually, so the breadth of asset tracking can entail ongoing maintenance.

Alternatives

For a broader comparison, see Portfolio Management Software. Consider Sharesight instead if its free allowance of one portfolio, 10 holdings including closed holdings, and one custom group is enough for your tracking needs. Snowball Analytics may be a better starting point for beginners and index fund investors who can work within its free allowance of one portfolio and 10 holdings.

Portfolio Performance is an alternative for readers who want a free, open-source desktop application and do not require Finary’s combination of mobile and web access. Choose Stock Rover instead if basic research on individual stocks and market monitoring are the priority. getquin is another freemium option for readers looking for unlimited bank and broker connections, real-time financial data, a net-worth overview, and essential portfolio analysis.

BlackRock Aladdin is an institutional platform, rather than a direct personal-finance substitute. rotki is worth considering for readers who want a desktop or self-hosted option with a free tier covering up to 1,000 recent events and 10 user notes. Wealthfolio is another freemium alternative, with a Basic plan that supports one person on up to six devices with device sync but no broker connections.

Verdict

Choose Finary if you want a consolidated view of linked accounts, investments, spending, and assets that may sit outside a brokerage account. Its breadth of asset tracking and portfolio reporting is the main reason to choose it; the key reason to look elsewhere is the free plan’s tight cap, followed by the annual cost of the paid tiers if you do not need their expanded capacity or Pro’s professional-asset coverage.