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 capable free tier, with premium features behind a subscription, 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 instance 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 private instance.
At a glance
| Krosos | Finary | |
|---|---|---|
| Net-worth coverage | Stocks, crypto, cash, funds, property, liabilities | Stocks, crypto, real estate, more |
| EU bank & broker fit | Built for it; open banking rolling out | Open banking, EU-native |
| Crypto | 7 exchanges + on-chain wallets | Yes |
| Privacy model | Private instance per user | Shared cloud |
| Connection safety | Read-only — can't move money | Read-only aggregation |
| Pricing model | Flat €6/mo · €60/yr | Free tier + premium |
| Free trial | 14 days, no card games | Free tier |
| Export & leave | One click | Yes |
Prices and tiers change — check finary.com and our pricing page.
Where Finary wins
- A real free tier. You can start tracking for nothing and only pay when you want the premium features. If you want to try before spending a cent indefinitely, 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, isolated instance — your complete financial picture isn't sitting in one database next to every other user's. With a freemium app, you're also the growth metric; with a flat-price private instance, you're the customer.
- One honest price. €60/year, everything included — no feature you actually need sitting behind the next tier up, and no nudges to upgrade.
- Read-only, always. Connections can only read balances — 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 — no lock-in.
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 private instance, 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, on your own instance 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, compare all the EU trackers, or try the live demo.