Comparison · checked on 3 september 2026
Finvygo vs Finary
Two ways to track your wealth. One real trade-off.
Finary syncs your accounts automatically and keeps most of its features behind a subscription, from €54.99 to €349.99 a year. Finvygo works with no bank connection at all, on declarative entry, and stays free with no tiers. The choice comes down to what you agree to trade: a little typing time against access to your accounts.
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
Finary
AGGREGATION
Wealth and budget aggregator published in Paris by Finary SAS. More than 800,000 investors, an in-house life insurance policy and a crypto service.
€0 to €349.99per year, depending on the plan
- Data
- Synced through the Powens aggregator, 20,000+ institutions
- Account
- Email required, bank credentials handed to the aggregator
- Platforms
- Web, iOS, Android
- Languages
- French, English, German
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.
| Criterion | Finvygo | Finary | Edge |
|---|---|---|---|
| PriceWhat full use costs | Free, no tiers. Every asset class, every tool, no asset cap and no trial period. Funded by donations. | Free, capped at 2 syncs. Lite €54.99/yr, Plus €149.99/yr, Pro €349.99/yr. | Finvygo |
| Where the data comes fromHow your positions get into the app | Declarative 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 aggregation through Powens across more than 20,000 banks, brokers and platforms, with manual entry alongside. Beyond 2 connections, syncing is paid. | Finary |
| Personal dataWhat you have to hand over to use the service | No 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. | An account with an email address. For syncing, your bank credentials are held by the Powens aggregator, not by Finary. | Finvygo |
| Asset classesWhat you can track | Stocks, 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. | Bank accounts, stocks, crypto, real estate, REITs, employee savings, gold, startups, debts. The classes are on a par; the difference is in how they are fed. | Tie |
| PlatformsWhere the app exists | Web, iOS and Android, synced on the same account. | Web, iOS and Android. The iOS app is unavailable in some countries, Germany for one, according to the help centre. | Tie |
| Languages and countriesWho it is built for | 12 languages, 19 currencies, every country. Each country has its own product catalogue (savings accounts, tax wrappers, national funds). | French, English, German. An app built first for investors in France. | Finvygo |
| AI assistantsAsking Claude or ChatGPT about your wealth | Yes, through a standard MCP connector. Your assistant reads your wealth and your passive income, and can add a position. Free. | Not publicly documented on the pages consulted. A built-in AI adviser is mentioned by the publisher, with no product page to date. | Finvygo |
| Budget and advanced analyticsBeyond wealth tracking | Allocation, performance, history, passive income and dividends are included. No spending tracking, no monthly report, no family mode. | Budget management, fee scanner, diversification score, monthly report and family mode in the Plus plan. Wealth declaration and holding mode in the Pro plan. | Finary |
| Investment productsWhat the publisher sells you, or does not | None. Finvygo is a tracking tool: it sells no investment and no crypto, holds none of your money and gives no advice. | A life insurance policy (Finary Life) and crypto buying and selling with a 1.49% fee on the free plan. Handy for anyone who wants everything in one place. | Up to you |
| Hosting and securityWhere your data lives | Storage and rendering in Europe (Paris, Amsterdam), encrypted data, never sold. Amount masking, PIN code and biometrics on mobile. Immediate account deletion. | Google Cloud hosting in European regions, AES-256 encryption, regular audits and penetration tests according to the help centre. | Tie |
| Community and track recordWho is around the product | Launched in 2026 by a small independent team. A blog and tools, no forum yet. | More than 800,000 investors, an active community forum, an educational YouTube channel, €25M raised in 2025. | Finary |
Based on the pages cited as sources, checked on 3 september 2026. A tie means both meet the need, not that they meet it the same way.
- Finvygo has the edge
- Finary 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 Finary is stronger
The comfort of automation and the breadth of an ecosystem.
Your accounts update on their own
With more than 20,000 connectable institutions, balances and positions arrive without typing. That is aggregation's main argument, and it is a real one.Budgeting in the same app
Spending, fee scanner, monthly report and family mode in the Plus plan. Finvygo stops at wealth.An established community and teaching effort
An active forum, a well followed YouTube channel, more than 800,000 investors. To learn and compare your choices with others, the ecosystem matters.Investing without switching apps
Life insurance and crypto are bought inside Finary. Handy for anyone who wants a single counter, as long as you accept that the tracking tool is also the seller.
Where Finvygo is stronger
Control, price, and a product built for every country.
No access to your accounts, ever
No aggregator, no bank credential handed to a third party, no connection to re-authorise. Your positions are entered by you, the prices arrive on their own.Free, no tiers, no cap
Every feature, every asset, every tool. No premium plan: the project lives on voluntary donations.Anonymous
A private key generated on your device is enough to create an account: no name, no email. Email, Google and Apple remain available for a recoverable login.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.Built for every country
12 interface languages, 19 currencies, a product catalogue per country. Wealth spread across several countries is consolidated in the currency of your choice.
THE REAL TRADE-OFF
Your typing time, or access to your accounts
Aggregation saves you time and makes you dependent on a middleman. Declarative entry asks a few minutes a month and asks nothing else. Everything else follows from that choice.
CHOOSE FINARY IF
You want everything to happen by itself
- You have many accounts and want them to update without you.
- You also track your budget and everyday spending.
- You want to take out life insurance or buy crypto in the same app.
- You are looking for a French speaking community to talk with.
- An annual subscription does not put you off.
WHAT YOU GAIN
Balances always up to date, a single counter.
WHAT IT ASKS OF YOU
A subscription beyond 2 connections, and handing your bank access to an aggregator.
CHOOSE FINVYGO IF
You want to stay in control
- You do not want to give access to your accounts, to anyone.
- You want a complete and free tool, with no tier and no trial that expires.
- You live or invest outside France, or in several currencies.
- You want to ask Claude or ChatGPT about your wealth.
- You care about an anonymous account, with a private key.
WHAT YOU GAIN
Full control of your data, zero cost, a tool with nothing to sell you.
WHAT IT ASKS OF YOU
Updating unlisted balances yourself, a few minutes a month.
FREQUENTLY ASKED
What we get asked the most
Is Finvygo a free alternative to Finary?
For wealth tracking, yes: Finvygo covers the same asset classes, computes net worth, performance and passive income, and all of it is free with no tiers. It does not replace Finary for budget tracking, nor for buying investment products, which Finvygo does not offer.
Is Finary free?
Finary has a free version capped at 2 account syncs. Subscriptions run from €54.99 a year (Lite) to €149.99 (Plus) and €349.99 (Pro), according to its pricing page checked on 3 September 2026.
Do you have to connect your bank?
With Finary, automatic syncing goes through the Powens aggregator, which holds your bank credentials. With Finvygo, never: you enter your positions, market prices update on their own, and a crypto wallet is imported from its public address.
Can you move from Finary to Finvygo?
Yes. If you have an export of your positions as a CSV file, Finvygo imports it. Crypto wallets are added by public address. The rest, savings accounts, real estate and loans, is entered in a few minutes, once and for all.
Which one should you use outside France?
Finvygo is available in every country, in 12 languages and 19 currencies, with a product catalogue of its own for each country. Finary comes in French, English and German, and its help centre notes that the iOS app is unavailable in some countries.
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. On the pages consulted, Finary documents no connection to an external assistant.
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 3 september 2026
- Finary, pricing page. finary.com/fr/pricing
- Finary, help centre, limits of the free version. help.finary.com/en/articles/9767248
- Finary, help centre, syncing through Powens. help.finary.com/en/articles/6519095
- Finary, help centre, data security. help.finary.com/en/articles/6519078
- Finary, help centre, availability by country. help.finary.com/en/articles/8778107
- Finary on the App Store (France): languages, reviews, number of investors. apps.apple.com/fr/app/id1569413444
- Finary, official site: connected institutions, Finary Life, crypto. finary.com/fr
- Finvygo, pricing, AI assistants and privacy policy. finvygo.com/pricing · /ai · /privacy
Hela din förmögenhet. En enda skärm. Noll kostnad.
No subscription, no asset cap, no bank connection.
Skapa mitt konto