If you live in Europe and hold a mix of stocks, cash, maybe some property and some crypto, tracking your whole net worth is surprisingly hard. The polished apps are mostly built for the US, the free tools are manual, and "privacy" is usually an afterthought. Here's an honest look at the realistic options in 2026: what each is good at, and how to choose.
What to look for in Europe specifically
- EU bank & broker coverage. Many US apps simply can't see European accounts.
- Manual & CSV entry. For the EU brokers and assets no API reaches.
- Liabilities. A mortgage and loans are part of your net worth.
- Real crypto support. Exchanges and on-chain wallets, not a bolt-on.
- Privacy. You're handing over your complete financial picture. Where does it live?
- Price & mobile. Fair, predictable cost, and something you can check on your phone.
The contenders at a glance
| Tool | Best for | EU banks | Crypto | Privacy model | Price (approx.) |
|---|---|---|---|---|---|
| Krosos | All-in-one, privacy-first EU tracking | Open banking (live) | Exchanges + on-chain + brokers | Own database + keys per user | €6/mo |
| Kubera | Premium global net-worth tracking | Via aggregators | Yes | Shared cloud | ~$249/yr |
| Finary | Polished EU portfolio tracking | Open banking | Yes | Shared cloud | Free (2 accts) + ~€150/yr |
| Monarch | Budgeting (US-centric) | Limited in EU | Limited | Shared cloud | ~$100/yr |
| Portfolio Performance | Investment performance, free | Manual only | Manual | Local on your PC | Free |
| Spreadsheet | Total flexibility | Manual | Manual | Your file | Free |
Prices change, so check each provider's site.
A fair word on each
Kubera is the closest thing to a dedicated net-worth tracker: banks, brokerages, crypto, DeFi, even physical assets, with a clean interface and a "Life Beat" beneficiary hand-off feature. It's genuinely good, and priced like it (around $249/year, plus a $2,499/year Black tier), with no free tier beyond a 14-day trial, and your data sits in its shared cloud. We wrote a full head-to-head if it's on your shortlist.
Finary is the strongest EU-native option besides Krosos: French-built, polished, with open-banking aggregation and crypto support, on a freemium model. The free tier is capped at two account connections, with paid plans from ~€55/year and Plus at ~€150/year. If you're comfortable with a venture-backed app holding your data in a shared system, it's a solid choice; the detailed comparison walks the differences.
Monarch is excellent, if you're American. Its budgeting and bank sync are best-in-class on US rails, but European coverage is limited and the value drops sharply outside the US (the full comparison covers when it still makes sense).
Portfolio Performance is a free, open-source desktop app beloved by serious DIY investors for its performance maths (true time-weighted return, IRR). It's investment-focused rather than whole-net-worth, has no automatic sync, and has a learning curve, but it's free and your data never leaves your computer.
A spreadsheet is the honest baseline: flexible, free, private, and entirely manual. No live prices, no sync, and it quietly goes stale the week you get busy.
How to choose
- Want whole net worth, EU-friendly, privacy-first and cheap? That's the gap Krosos was built for.
- Want a premium global tool and price isn't a concern? Kubera.
- Want polished EU tracking and don't mind a shared-cloud, freemium model? Finary.
- Mostly US-based and budgeting-focused? Monarch.
- A DIY investor who loves performance maths and wants it free and local? Portfolio Performance.
- Just starting out and happy to do it by hand? A spreadsheet is fine, until it isn't.
Where Krosos fits
Krosos is the private, EU-built way to see everything in one number: stocks, cash, funds and property, plus crypto (exchanges and on-chain wallets), minus the mortgage and loans against them. The difference under the hood is that every customer gets their own isolated database with its own encryption keys, not a row in a shared database, and connections are read-only, so the app can never move your money. Bank sync via open banking and broker sync (Trading 212, Interactive Brokers) are live. It's €6/month (or €60/year), with a 14-day free trial and one-click export if you ever want to leave.
Read how your data is protected, see everything it connects to and how the tax engine works (Belgian readers: the new 10% capital gains tax), or, if connecting accounts makes you nervous, is it safe to connect exchange API keys?
If what you actually want to know is when the money would let you stop working, the forecast calculator is free and needs no account: we used it to show what the 4% rule leaves out in Europe.