Finary 2026: 3 Months Premium Free

Finary offers a complete feature set. A consolidated net-worth view: all your assets on one screen, with real-time valuation and historical trends. Asset allocation: an automatic breakdown by class (cash, stocks, bonds, real estate, crypto). Net-worth projections: simulate how your wealth evolves under different scenarios (return rate, monthly contribution, horizon). Performance tracking: compare returns by asset class. Tax estimation on your gains. Alerts on significant moves. Manual import for assets that cannot be connected (unlisted real estate, employee savings).

Finary connects to most financial institutions across Europe. Banks: major retail banks and online banks such as Boursobank. Brokers: Bourse Direct, Fortuneo, Degiro. Crypto exchanges: Coinbase, Binance, Bybit, Kraken, Crypto.com. Bank connections use regulated open-banking APIs; crypto uses read-only API keys. Finary does not store your credentials — connections go through official APIs. The full connector list is on finary.com.

Finary has two tiers. Finary Free: account connections, a consolidated net-worth view, one-month history, basic allocation. Finary Plus (~€9.99/month or ~€79/year): full history, net-worth projections, detailed performance analysis, advanced allocation, tax estimation, priority support, PDF export. For active investors with diversified wealth (stocks + crypto + real estate), Finary Plus is often justified: the annual cost (€79) is under 0.1% of a €100,000 portfolio. For beginners with few assets, the free version is enough to start.

Finary is especially useful for crypto investors managing positions across several exchanges. Connect your Bybit, Coinbase, Kraken, Crypto.com and CoinEx portfolios in one view. Finary consolidates valuations, calculates overall performance and your crypto-vs-other-assets allocation. For tax filing, Finary helps identify crypto gains (though you will need Waltio or Koinly for precise, compliant calculations). The unified view avoids the errors of manual spreadsheet tracking.

Security is a Finary priority. The platform does not store your bank credentials — connections go through official open-banking APIs. Crypto API keys are stored read-only (Finary cannot trade on your exchanges). Access is protected by password + 2FA. Data is GDPR-compliant. Finary has read-only access — it can neither transfer funds nor place orders. Your only risk is unauthorised access to your Finary account, which is why 2FA matters.

One of Finary Plus's most useful features is the net-worth projection simulator. Enter your assumptions (average annual return, monthly contribution, horizon) and Finary models how your wealth evolves — answering questions like "When will I reach €500,000?" or "What passive income can I generate at 60?" Finary also analyses your asset allocation versus your target, breaking wealth into classes (stocks with geographic breakdown, bonds, real estate, crypto, cash). This quickly flags imbalances — if crypto is 40% of your wealth when your target is 20%, a rebalance is due. Finary offers benchmarks to compare with model portfolios (conservative, balanced, aggressive).

Finary is the aggregator best suited to active multi-asset investors. Budgeting-focused apps are stronger on daily expense tracking; Finary is optimised for investment tracking (stocks, crypto, real estate), advanced projections and a modern interface. For investors with brokerage + crypto + real estate, Finary is the most suitable.

Our verdict: Finary is the essential tool for the active investor wanting a consolidated wealth view. Strengths: complete multi-asset aggregation, many connectors, net-worth projections, automatic allocation, a modern interface, a 3-months-free referral. Weaknesses: a limited free version, a monthly subscription (~€10), some institutions not connected, read-only (no direct action). Essential for anyone managing 3+ asset classes, alongside specialised tools like Waltio for crypto tax.