If you live in Europe and hold a mix of stocks, crypto, cash and maybe some property, 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.
- Real crypto support. Exchanges and on-chain wallets, not a bolt-on.
- Manual & CSV entry. For the EU brokers and assets no API reaches.
- Liabilities. A mortgage and loans are part of your net worth.
- 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 (rolling out) | 7 exchanges + on-chain | Private instance per user | €6/mo |
| Kubera | Premium global net-worth tracking | Via aggregators | Yes | Shared cloud | ~$150/yr |
| Finary | Polished EU portfolio tracking | Open banking | Yes | Shared cloud | Free + premium |
| 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 — 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 beneficiary hand-off feature. It's genuinely good — and priced like it (around $150/year), with no free tier, and your data sits in its shared cloud.
Finary is the strongest EU-native option besides Krosos: French-built, polished, with open-banking aggregation and crypto support, on a freemium model. If you're comfortable with a venture-backed app holding your data in a shared system, it's a solid choice.
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.
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, crypto (seven exchanges plus on-chain wallets), cash, funds and property — minus the mortgage and loans against them. The difference under the hood is that every customer gets their own isolated instance, 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 is rolling out now. 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, or — if connecting accounts makes you nervous — is it safe to connect exchange API keys?