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Comparison · checked on September 3, 2026

Finvygo vs Delta by eToro

A securities portfolio, or an entire net worth. One real trade-off.

Delta by eToro connects your brokers, exchanges and wallets, and has capped its free version at 10 assets since January 2026; PRO and PRO+ cost from $58.99 to $107.99 a year. Finvygo works with no connection at all, on declarative entry, and stays free with no asset cap. The choice comes down to scope: Delta tracks a portfolio of securities and crypto, Finvygo an entire net worth, real estate and loans included.

Finvygo

DECLARATIVE

Multi-asset wealth tracking with no bank connection. An independent team, hosting in Europe, nothing to sell beyond the app.

€0every feature, no tiers

Data
Entered by you, prices updated automatically
Account
Email, Google, Apple, or a private keyPrivate keyA unique key, generated on your device, that serves as both your login and your password. It is your only way into the account: it cannot be recovered if you lose it.
Platforms
Web, iOS, Android
Languages
12 languages, 19 currencies, every country

Delta by eToro

AGGREGATION

Investment tracker created in Ghent in 2017 by Opus Labs, bought by the broker eToro in 2019. Millions of investors, 18 languages, mobile, web and desktop apps.

$0 to $107.99per year, depending on the plan

Data
Connections to 10,000+ brokers, exchanges, banks and wallets, eToro included; manual entry
Account
A user account; exchange API keys kept on your device
Platforms
Web, iOS, Android, desktop
Languages
18 languages

AT A GLANCE

Eleven criteria, no ranking

Each row says which of the two has the edge on that specific criterion, or whether they are tied. The facts come from the public pages cited at the bottom of this page.

Finvygo and Delta by eToro, eleven criteria compared
CriterionFinvygoDelta by eToroEdge
PriceWhat full use costsFree, no tiers. Every asset class, every tool, no asset cap and no trial period. Funded by donations.Free, capped at 10 assets in one portfolio since January 2026. PRO (40 assets, Delta AI) from $58.99/yr, PRO+ (unlimited assets and portfolios, real time) $107.99/yr.Finvygo
Where the data comes fromHow your positions get into the appDeclarative entry. Prices for stocks, ETFs, funds and crypto update on their own, a crypto wallet is imported from its public address, and a CSV file brings in your positions. Unlisted balances (savings and bank accounts) are updated by hand.Automatic connections to more than 10,000 brokers, exchanges, banks and wallets, eToro included, with manual transaction entry alongside.Delta
Personal dataWhat you have to hand over to use the serviceNo personal data required. An account can be created with a private key generated on your device, with no name and no email. Never a bank credential.A user account. Exchange API keys stay on your device and can be limited to read only, according to the help centre; broker connections go through a third party.Finvygo
Asset classesWhat you can trackStocks, ETFs, funds, crypto, real estate and REITs, savings accounts, life insurance and euro funds, employee savings, precious metals, bonds, private equity, crowdlending, loans and debts, vehicles and other belongings.Stocks, ETFs and funds, crypto, forex, commodities, indices. No real estate, savings accounts, life insurance or loans on the pages consulted.Finvygo
PlatformsWhere the app existsWeb, iOS and Android, synced on the same account.iOS, Android, web (web.delta.app) and desktop apps for Mac, Windows and Linux.Tie
Languages and countriesWho it is built for12 languages, 19 currencies, every country. Each country has its own product catalogue (savings accounts, tax wrappers, national funds).18 interface languages, a worldwide audience. Countries under eToro's restrictions have no access to the web version.Delta
AI assistantsAsking Claude or ChatGPT about your wealthYes, through a standard MCP connector. Your assistant reads your wealth and your passive income, and can add a position. Free.Delta AI, personalised market summaries built into the app, reserved for PRO. No connection to Claude or ChatGPT documented.Finvygo
Budget and advanced analyticsBeyond wealth trackingAllocation, performance, history, passive income and dividends are included. No spending tracking, no monthly report, no family mode.Asset analytics, alerts, "Why is it moving" explanations, insider transactions, a gains report and real time data on PRO and PRO+. No budgeting.Delta
Investment productsWhat the publisher sells you, or does notNone. Finvygo is a tracking tool: it sells no investment and no crypto, holds none of your money and gives no advice.Sells nothing directly, but belongs to the broker eToro: the eToro account connection is promoted, and PRO is free for eToro Club members.Up to you
Hosting and securityWhere your data livesStorage and rendering in Europe (Paris, Amsterdam), encrypted data, never sold. Amount masking, PIN code and biometrics on mobile. Immediate account deletion.Encryption in transit and at rest is announced, API keys kept on the device. The hosting region is not publicly documented.Tie
Community and track recordWho is around the productLaunched in 2026 by a small independent team. A blog and tools, no forum yet.Since 2017, millions of investors, a subsidiary of eToro, a broker listed on the Nasdaq. No community forum inside the app.Delta

Based on the pages cited as sources, checked on September 3, 2026. A tie means both meet the need, not that they meet it the same way.

  • Finvygo has the edge
  • Delta has the edge
  • Tie
  • Depends on your need

WHERE EACH ONE WINS

Where one does better than the other

Neither is a watered down version of the other. They took different paths, and each path has its upsides.

Where Delta is stronger

The power of a securities tracker plugged into the whole market.

  • Connections everywhere

    More than 10,000 brokers, exchanges, banks and wallets, eToro included. For a portfolio scattered across platforms, syncing matters.

  • Real time market data

    Real time prices, alerts, insider transactions and movement explanations on PRO and PRO+. A tool cut out for anyone following their holdings day by day.

  • 18 languages, mobile, web and desktop

    A worldwide audience and apps for iOS, Android, web, Mac, Windows and Linux.

  • Nine years of existence and millions of users

    Born in Ghent in 2017, an eToro subsidiary since 2019, a broker listed on the Nasdaq. Size is reassuring.

Where Finvygo is stronger

The whole net worth, the price, and no broker behind it.

  • All your wealth, not just the portfolio

    Real estate, savings accounts, life insurance, employee savings, loans: Finvygo computes a net worth, debts deducted. Delta tracks securities and crypto.

  • Free, with no asset cap

    Delta has capped its free version at 10 assets since January 2026. Finvygo has neither cap nor tier.

  • No access to your accounts, ever

    No aggregator, no API key, no credential handed to a third party. And an account is possible with just a private key, no name and no email.

  • Your wealth inside your AI assistant

    An MCP connector links Claude, ChatGPT or a coding agent to your portfolio: allocation, history, passive income, and one position added.

  • Independent of any broker

    Finvygo belongs to no broker and has nothing to sell you. Delta is an eToro subsidiary, which promotes the connection to its own account.

THE REAL TRADE-OFF

A securities portfolio, or an entire net worth

Delta is a securities and crypto tracker plugged into your brokers, with a 10 asset cap on the free plan. Finvygo is a wealth tool, real estate and loans included, with no connection and no cap. Everything else follows from that choice.

CHOOSE DELTA IF

You follow a securities portfolio day to day

  • Your wealth fits into stocks, ETFs, crypto and forex.
  • You have accounts at several brokers or exchanges to sync, eToro included.
  • You want real time prices, alerts and movement explanations.
  • You care about a desktop app on top of mobile and web.
  • A subscription beyond 10 assets does not put you off.

WHAT YOU GAIN

Synced positions, real time data, trading analytics.

WHAT IT ASKS OF YOU

An account, connections to your brokers, and a subscription from the eleventh asset on.

CHOOSE FINVYGO IF

You want to see all of your wealth

  • You have real estate, savings accounts, life insurance or loans to track alongside your holdings.
  • You want a complete and free tool, with no asset cap.
  • You do not want to give access to your accounts, to anyone.
  • You want to ask Claude or ChatGPT about your wealth.
  • You prefer a tool that belongs to no broker.

WHAT YOU GAIN

A complete net worth, zero cost, no connection.

WHAT IT ASKS OF YOU

Updating unlisted balances yourself, and giving up institutional real time data.

FREQUENTLY ASKED

What we get asked the most

Is Finvygo a free alternative to Delta by eToro?

For tracking wealth, yes, and with no cap: Delta has capped its free version at 10 assets since January 2026, Finvygo has neither cap nor tier. For a securities portfolio followed in real time with trading analytics, Delta PRO and PRO+ go further.

Is Delta by eToro free?

Partly. The free version tracks 10 assets in one portfolio, with unlimited connections. PRO (40 assets) costs from $58.99 a year and PRO+ (unlimited) $107.99, according to the App Store in-app purchases checked on 3 September 2026.

Do you have to connect your brokers?

With Delta, that is the main use: more than 10,000 brokers, exchanges, banks and wallets can be connected, with manual entry still available. With Finvygo, never: you enter your positions, prices update on their own, and a crypto wallet is imported from its public address.

Can you move from Delta to Finvygo?

Yes. If you have an export of your transactions as a CSV file, Finvygo imports it. Crypto wallets are added by public address. What Delta did not track, real estate, savings accounts and loans, is entered in a few minutes.

Which one tracks real estate and loans?

Finvygo. It computes a complete net worth: real estate, savings accounts, life insurance, employee savings and metals, with debts deducted. On the pages consulted, Delta tracks stocks, ETFs, crypto, forex, commodities and indices.

Which one plugs into Claude or ChatGPT?

Finvygo exposes a standard MCP connector: your assistant reads your wealth, your passive income and your allocation, and can add a position. Delta offers Delta AI, summaries built into the app and reserved for PRO, with no connection to an external assistant documented.

Who wrote this comparison?

The Finvygo team. We are judge and party, which is why every fact comes from a public page cited in the sources, with the date it was checked. If something is inaccurate or has changed, tell us and we will fix it.

SOURCES

Pages checked on September 3, 2026

  1. Delta, help centre: Delta, PRO and PRO+ (free version limits, plan contents). support.delta.app/en/articles/12890904
  2. Delta, help centre: where API keys are stored. support.delta.app/en/articles/1587453
  3. Delta by eToro on the App Store (United States): in-app purchases, reviews, languages, publisher. apps.apple.com/us/app/id1288676542
  4. eToro, Delta page: connections, asset classes, eToro account. etoro.com/investing/delta
  5. Delta on Web and the desktop help centre. web.delta.app · support.delta.app/en/articles/8870555
  6. TechCrunch, eToro's acquisition of Delta (6 November 2019). techcrunch.com
  7. Finvygo, pricing, AI assistants and privacy policy. finvygo.com/pricing · /ai · /privacy

All your wealth. One screen. Zero cost.

No subscription, no asset cap, no bank connection.

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