Finary alternative for Europe.
Finary is the best-known European wealth tracker, and deservedly so. It aggregates a huge range of banks and brokers, scans your fund fees, and analyses how diversified you are.
It is built to analyse the portfolio you already hold. Wealthos is built to answer the question in front of you: what happens to my money if I move country, buy this flat, or take a year off. Same data, different job.
Why people look for a Finary alternative.
These two products are less alike than the category suggests. Finary looks backwards and sideways — what do I own, what is it costing me, how concentrated am I. Wealthos looks forwards. You may genuinely want both.
Analysis is not a forecast
Finary tells you your allocation and your fees today. It does not tell you where you land in six years if you buy a house in year three.
Life events are not line items
A wedding, a relocation, a child, a sabbatical — Wealthos models these as events on a timeline and compares whole scenarios side by side.
Nothing to plug an assistant into
Wealthos exposes 46 MCP tools, so Claude or ChatGPT can read your real numbers and write back a plan. Finary has no equivalent surface.
A wealth tracker built for Europe.
- Open Banking (PSD2) — read-only connections to over 3,000 EU and UK banks.
- Multi-currency — balances in EUR, GBP, CHF, DKK, SEK, PLN and more, auto-converted at live rates.
- Forecast-forward — a 10-year net-worth projection in your home currency.
- Life-scenario simulator — model a promotion, a move, a child, a sabbatical.
- AI assistant + MCP — ask questions in plain English, or connect Claude, ChatGPT, Mistral, and OpenClaw to your real data.
- GDPR-focused — encrypted in transit and at rest, on EU infrastructure.
Wealthos vs Finary.
| Feature | Wealthos | Finary |
|---|---|---|
| Core job | Forecast a decision before you make it | Analyse the portfolio you already hold |
| Bank and broker coverage | 3,000+ EU and UK banks via Open Banking (PSD2) | 20,000+ banks and brokers (broader — see below) |
| Investment analysis | Balances and allocation | Fee scanner, diversification analysis (stronger here) |
| Multi-year forecast | Yes — 10-year projection in your home currency | No |
| Life-scenario simulator | Yes — promotion, move, home, child, sabbatical | No |
| Plan templates | Wedding, house, baby, sabbatical, moving abroad | No |
| AI assistant | Built-in, plus 46 MCP tools for Claude / ChatGPT / Cursor | No |
| Runs entirely offline | Yes — Wealthos Local, one-time €45 | No — cloud only |
| Data residency | EU infrastructure, GDPR | EU (France), GDPR |
| Free tier | No — 7-day full trial, then €7/mo | Yes (stronger here) |
| Pricing | €7/mo or €63/yr — one tier | Free; Lite €54.99/yr; Plus €149.99/yr |
Finary has a free tier for aggregation and net-worth tracking, Lite at €54.99 a year, and Plus at €149.99 a year for the fee scanner, diversification analysis and reports. Wealthos is €7 a month or €63 a year, one tier. Finary Lite is cheaper than us and Finary's free tier is something we do not offer at all — if budget is the deciding factor, that is the honest answer. Prices checked August 2026; verify at the source before relying on them.
When Finary is the right pick.
Finary is a good product built by people who care, and on several dimensions it beats us outright:
- Far broader broker and asset coverage — 20,000+ connections against our 3,000+ banks.
- A fee scanner that finds what your funds are quietly costing you. We have nothing like it.
- Diversification and performance analysis of a depth we do not attempt.
- A free tier, and a cheaper paid tier than ours.
- A larger company with a bigger community behind it.
If your question is "is my portfolio well built and what am I paying for it", Finary is the better tool and we would rather you used it.
Who should switch to Wealthos.
Wealthos is the better choice if:
- Your question is about the future — a move, a house, a child, a career change — not about today's allocation.
- You want to compare two scenarios side by side and see which leaves you better off.
- Your money spans countries and currencies and you want one forecast in your home currency.
- You want an AI assistant that can act on your real financial data, not just look at it.
- You would rather keep everything in a file on your own machine than in anyone's cloud.
How to move from Finary.
There is no need to leave. Many people would be better served running both.
- 01Keep Finary for portfolio analysis and fee tracking if you value those.
- 02Start your free Wealthos trial — 7 days, no card.
- 03Connect the same European banks through Open Banking.
- 04Build one forecast for the decision actually in front of you.
- 05Decide after a month whether you need both, or whether one covers it.
We would rather you kept both and got value from each than switched and lost something you liked.
Common questions about switching.
Free calculators to try first.
Three free tools that cover the same ground as Finary — no account needed.
Net Worth Calculator for Expats in Europe
Aggregate accounts across EU countries and currencies into one clear total.
Multi-Currency Net Worth Calculator
Track EUR, GBP, CHF, DKK, SEK — auto-converted at live rates.
FIRE Calculator
Project your path to financial independence in your home currency.