Finary is the strongest EU-native net-worth tracker besides Krosos: French-built, polished, with open-banking aggregation and real crypto support. So this is the closest comparison on the list: two European apps doing genuinely the same job. The honest split comes down to two things, the pricing model and where your data lives.
The short version
- Finary is a well-designed, venture-backed EU tracker on a freemium model: a free tier capped at two account connections, with paid plans unlocking the rest (Lite ~€55/year, Plus ~€150/year), and your data in its shared cloud.
- Krosos does the same core job, your whole net worth in one number, but gives every customer their own isolated database with its own encryption keys instead of a row in a shared database, at a flat €6/month (€60/year).
Both are real EU options. The choice is about how you feel about a shared-cloud freemium app versus a flat price and a database of your own.
At a glance
| Krosos | Finary | |
|---|---|---|
| Net-worth coverage | Stocks, cash, funds, property, crypto, liabilities | Stocks, crypto, real estate, more |
| EU bank & broker fit | Built for it; open banking + brokers live | Open banking, EU-native |
| Crypto | 7 exchanges + on-chain wallets | Yes |
| Privacy model | Own database + keys per user | Shared cloud |
| Connection safety | Read-only, can't move money | Read-only aggregation |
| Pricing model | Flat €6/mo · €60/yr | Free (2 accounts) + Plus ~€150/yr |
| Free trial | 14 days, no card games | Free tier |
| Export & leave | One click | Yes |
Prices and tiers change, so check finary.com and our pricing page.
Where Finary wins
- A free tier. You can start tracking for nothing, capped at two account connections, and only pay when you want unlimited connections and the premium features. If you want to try indefinitely without spending a cent, that's a genuine advantage.
- Polish and community. Finary has had more time, more funding, and a large engaged European user base, with a slick interface and content to match.
- Breadth of premium features. Advanced analytics and reporting that a lean flat-price product doesn't chase.
If a freemium model and a big polished ecosystem appeal to you, Finary is a strong choice.
Where Krosos wins
- Privacy by architecture, not policy. Finary keeps your data in a shared cloud. Krosos gives each customer a separate database file with its own encryption keys, so your complete financial picture isn't sitting in one database next to every other user's. The isolation is structural, not a promise, and if you want zero trust in any operator, the Krosos desktop app runs entirely on your own machine. With a freemium app, you're also the growth metric; with a flat price, you're the customer.
- One honest price. €60/year, everything included, with no feature you actually need sitting behind the next tier up, and no nudges to upgrade.
- Read-only, always. Connections can only read balances, so the app is structurally incapable of moving your money. (See is it safe to connect exchange API keys?)
- Export and leave. One-click export of everything, any time, with no lock-in.
- The forecast is part of the product. Financial independence date, withdrawal strategies, pension lock-up and capital gains tax per country. The calculator is free to try without an account.
Who should pick which
- Pick Finary if you want a free tier, a big polished ecosystem, and you're comfortable with a shared-cloud, venture-backed app holding your data.
- Pick Krosos if you'd rather pay one flat price for your own database and encryption keys, with read-only connections and no freemium upsell.
The honest bottom line
This is the comparison where we'll be most direct: Finary is a good app, and if the free tier is what you want, take it. Krosos is a different bet: the private, EU-built way to see everything in one number, in your own database rather than a shared cloud, for a flat €60/year, with a 14-day trial and one-click export if you ever leave.
See how your data is protected, everything it connects to and how the tax engine works, compare all the EU trackers, or try the live demo.