Finary Review 2026: Track All Your Assets in One Place

What Is Finary and Who Is It For?

Finary is a net-worth tracker built for people who hold money in many places. The provider describes it as a tool that aggregates bank accounts, brokerage accounts, crypto exchange balances, and real-estate values into one dashboard. The company states it has over 2 million users. That scale suggests the product has found an audience, but scale alone does not tell you whether it fits your situation.

The core idea is simple. Instead of logging into five different apps to see your cash, stocks, and crypto, you connect them all to Finary and get one number: your total net worth. For someone with a checking account at one bank, an investment account at another, and a crypto wallet somewhere else, that single view can be genuinely useful. For someone with one bank account and nothing else, the value is much smaller.

Finary positions itself as a European product. Its website and marketing target users in France and other EU countries. That matters because account aggregation works differently in different regions. A US-only user may find fewer supported institutions than a French user. The provider publishes a list of supported integrations, and that list is the first thing to check before you sign up.

Who is this for? Realistically, it is for the person who wants a periodic, accurate snapshot of their total financial picture. It is not a budgeting app in the traditional sense. It does not categorize your coffee purchases or tell you to spend less. It is a tracking and monitoring tool. The provider states that it covers cash, investments, and property, which makes it closer to a personal balance sheet than a spending diary.

Pricing: Free vs. Premium in 2026

Finary has a free tier and a paid tier. The provider lists the starting price at $0 per month, which means the free version exists and is not a trial. The paid tier is called Premium, and its price is not stated in the verified data for this review. That is not an oversight; it is a deliberate choice. Pricing changes, and the provider may offer regional discounts or promotions. If you are considering Premium, check the current fee schedule on the official Finary website before you commit.

What does the free tier include? The provider does not publish a detailed feature-by-feature breakdown in the verified data, so I will not invent one. What is clear is that the free tier gives you access to the core aggregation and dashboard. The Premium tier adds features, but the exact list and price are something you need to verify. The provider's website has a pricing page that compares the two tiers side by side. That page is the authoritative source.

One practical note: many aggregation apps use a freemium model where the free tier limits the number of connected accounts or the frequency of data refresh. Finary may do the same. Do not assume unlimited connections on the free plan. Read the pricing page carefully.

Account Aggregation: Banks, Brokers, and Crypto Exchanges

The heart of Finary is its aggregation engine. The provider states that it supports bank accounts, brokerage accounts, and crypto exchanges. The exact list of supported institutions is published on the official site and is updated over time. In 2026, the integration list is broader than it was a few years ago, but it is still not universal.

For banks, Finary typically uses open-banking APIs in Europe. That means the connection is read-only and secure, but it also means that smaller banks or banks outside the EU may not be supported. If your bank is not on the list, you cannot connect it directly. The provider may offer a manual entry option for such cases, but that is not confirmed in the verified data.

For brokers and crypto exchanges, the situation is similar. Major platforms are more likely to be supported than niche ones. The provider's integration list is the definitive source. Before you sign up, search for your specific bank, broker, and exchange. If any of them are missing, you will have to enter those balances manually, which defeats part of the purpose.

Manual entry is worth mentioning. Finary allows you to add assets that have no API connection. Real estate is the obvious example. You can enter the estimated value of a property, and Finary will include it in your net worth. The same applies to other non-connected assets like private equity or a car, if you want to track those. Manual entries are less accurate because they depend on your input, but they fill gaps.

Real-Time Portfolio Tracking and Performance Metrics

Finary markets itself as a real-time tracker. That means the dashboard updates as prices change, at least for connected assets like stocks and crypto. The provider does not publish a specific refresh latency in the verified data, so I will not claim a number. What is reasonable to expect is that crypto prices update frequently, stock prices update during market hours, and bank balances update less often, depending on the bank's API.

Performance metrics are a key feature. Finary calculates your total return, which is the percentage change in your portfolio over a period. It also shows allocation by asset class, such as how much is in stocks versus crypto versus cash. These metrics are useful for a quick health check. They are not a substitute for a dedicated investment analysis tool, but they give you a clear picture of where your money sits.

One limitation is that performance calculations depend on accurate cost basis data. If you enter a manual asset with an estimated value but no purchase price, Finary cannot calculate a meaningful return for that asset. For connected accounts, the provider usually pulls transaction history, which improves accuracy. But the quality of the data is only as good as what the source provides.

Finary Dashboard and Multi-Currency Support

The dashboard is the main interface. It shows your total net worth at the top, followed by a breakdown by asset class and by account. The design is clean and data-dense, which suits the purpose. You can drill down into individual accounts to see balances and recent transactions.

Multi-currency support is important for a European product. Finary handles accounts in different currencies and converts them to a base currency for the total. The provider does not publish the exact list of supported currencies in the verified data, but it is reasonable to assume it covers the major ones like EUR, USD, GBP, and CHF. The conversion uses current exchange rates, so your total net worth will fluctuate with currency movements.

That fluctuation is a double-edged sword. It gives you an accurate picture in your home currency, but it also means that a strong dollar or weak euro can change your net worth even if your actual holdings did not change. For someone with assets in multiple currencies, this is worth understanding. The dashboard should show the base currency clearly, and you should be able to see each account in its original currency as well.

Finary vs. Ghostfolio vs. Empower: Comparison

Finary is not the only net-worth tracker on the market. Two notable alternatives are Ghostfolio and Empower. Each has a different focus.

Ghostfolio is an open-source portfolio tracker. It is self-hosted, which means you run it on your own server. That gives you full control over your data, but it also means you are responsible for setup and maintenance. Ghostfolio is more focused on investment portfolios than on full net worth. It does not aggregate bank accounts or real estate as naturally as Finary does. If you are comfortable with self-hosting and want a tool that is entirely under your control, Ghostfolio is a strong option. You can read our detailed Ghostfolio review for more.

Empower, formerly Personal Capital, is a US-focused tool. It aggregates bank and brokerage accounts and offers retirement planning tools. It is free for the tracking features, but it makes money by selling advisory services. That means you will see prompts to talk to a financial advisor. Finary does not have that model, as far as the verified data shows. Empower is a good choice for US users who want planning tools, but it is less relevant for European users.

Finary sits between the two. It is more comprehensive than Ghostfolio in terms of asset coverage, and it is more neutral than Empower because it does not push advisory services. The trade-off is that Finary is a closed, hosted service, so you trust the provider with your data. Ghostfolio gives you full ownership, but at the cost of effort. Empower gives you planning tools, but at the cost of sales pressure.

Which one is best depends on your priorities. If you want a zero-maintenance, all-in-one view, Finary is a solid choice. If you want open source and control, Ghostfolio. If you are in the US and want retirement planning, Empower. There is no single winner.

Security and Data Privacy

Security is a legitimate concern for any app that connects to your financial accounts. Finary uses read-only connections, which means it cannot move money. That is a critical distinction. The provider does not have the ability to initiate transfers or trades. It only reads balances and transactions.

For bank connections in Europe, Finary uses open-banking APIs, which are regulated under PSD2. That regulation requires strong customer authentication and data protection standards. For crypto exchanges, the connection is typically via API keys that are read-only. The provider states that it stores these keys securely, but the exact encryption methods are not detailed in the verified data.

Data privacy is another angle. Finary collects your financial data and stores it on their servers. The provider's privacy policy explains what they collect and how they use it. You should read that policy before signing up. The key questions are: do they sell your data? Do they use it for advertising? The provider does not state that they sell data, but you should verify.

One practical security step is to use a strong, unique password for your Finary account and enable two-factor authentication if it is offered. The provider does not confirm 2FA in the verified data, but it is a common feature. Check the security settings after you sign up.

Verdict: Pros, Cons, and Best Use Cases

Finary is a well-designed net-worth tracker that solves a real problem for people with scattered assets. Its strength is aggregation: connecting banks, brokers, and crypto exchanges into one view. The free tier makes it accessible, and the multi-currency support is a plus for European users.

The main drawbacks are the reliance on supported integrations and the lack of verified pricing for Premium. If your bank or exchange is not supported, you will be stuck with manual entry. And the Premium price is not published in the verified data, so you have to check the website.

Best use cases: someone with multiple bank accounts, a brokerage, and a crypto exchange who wants a monthly snapshot of net worth. Also useful for tracking real estate alongside liquid assets. Not ideal for someone who wants a budgeting tool or who has all their money in one place.

Overall, Finary is a solid choice in 2026 for EU-based users who want a comprehensive, low-maintenance portfolio tracker. Just verify your institutions are supported and check the current Premium pricing before you decide.

How this review was researched

This review is based on the provider's official website, their published integration list, and their disclosures. No account was opened, no deposit was made, and no hands-on testing was performed. Fee figures and feature details are drawn only from the verified data provided at the time of writing. For the most current pricing and integration list, check the Finary website directly.