FlashFi vs Delta: Investment Tracker Showdown for Global Investors
Disclosure: FlashFi is a competitor to the products mentioned.
Disclosure: FlashFi is a competitor to Delta. This is our honest assessment based on publicly available information as of February 2026.
TL;DR¶
Choose Delta if you are a crypto-heavy investor who wants a free mobile app with deep exchange integrations and you do not need personal finance tools. Just be aware of the 10-asset limit on the free tier.
Choose FlashFi if you are an international investor or digital nomad who needs multi-currency portfolio tracking plus personal finance management (cash accounts, debt, savings) in one web-based tool.
Quick Comparison¶
| Feature | FlashFi | Delta by eToro |
|---|---|---|
| Starting price | $12/mo ($144/yr) | Free (10 assets) |
| Premium price | $39/mo ($468/yr) | $13.99/mo ($99.99/yr) PRO |
| Stocks & ETFs | Yes | Yes |
| Crypto | Yes | Yes (300+ exchanges) |
| Forex & commodities | Limited | Yes |
| NFTs | No | Yes |
| Multi-currency | Yes (native) | Yes |
| Cash accounts | Yes | No |
| Debt tracking | Yes | No |
| Savings tracking | Yes | No |
| Budgeting | Yes | No |
| Broker connections | No | Yes (eToro + others) |
| Exchange connections | No | Yes (300+ crypto exchanges) |
| Mobile app | Web (mobile-first) | iOS & Android (native) |
| Web/Desktop | Yes (primary) | Yes (companion) |
| AI features | No | Yes (PRO — market summaries) |
| Owned by | Independent | eToro (brokerage) |
Pricing Breakdown¶
Delta has a more complex pricing structure than it first appears:
- Delta Basic — Free. Track up to 10 assets in 1 portfolio. Unlimited broker connections. Up to 5 devices. As of January 2026, anything above 10 assets is locked until you upgrade.
- Delta PRO — $13.99/month or $99.99/year. Up to 40 assets. Delta AI market summaries, asset analytics, gains reporting, and portfolio insights.
- Delta PRO+ — Pricing varies. Unlimited assets. Everything in PRO plus eToro Club Platinum perks (dedicated support, $1M insurance, travel benefits).
FlashFi is simpler:
- Operator — $12/month ($144/year). Unlimited assets. Full investment tracking, personal finance tools, multi-currency support.
- Apex — $39/month ($468/year). Everything in Operator plus advanced analytics.
The headline comparison is misleading: Delta looks cheaper because of the free tier, but that free tier is capped at 10 assets. Most active investors hold more than 10 positions. At the PRO level, Delta costs $99.99/year versus FlashFi’s $144/year — a $44 difference. But FlashFi includes personal finance features that Delta does not have at any price point.
If you hold fewer than 10 assets and only need investment tracking, Delta Basic is genuinely free and hard to beat on price.
Crypto Tracking¶
This is where Delta was born and where it still excels. Originally launched in 2017 as a crypto portfolio tracker, Delta offers:
- 300+ exchange connections — connect Coinbase, Binance, Kraken, and hundreds of other exchanges to auto-sync your holdings
- On-chain wallet tracking — monitor wallet addresses directly
- 6,000+ crypto assets — deep coverage of altcoins, tokens, and DeFi positions
- NFT support — track your NFT holdings alongside traditional assets
- Real-time alerts — smart price alerts for any tracked asset
FlashFi supports major cryptocurrencies with live pricing via Tiingo, but it does not connect directly to exchanges or track wallets on-chain. You add crypto positions manually. If crypto makes up a significant portion of your portfolio, Delta’s exchange integrations save real time and reduce manual entry errors.
For a portfolio that is mostly stocks and ETFs with some crypto on the side, FlashFi’s manual entry works fine. For a crypto-heavy portfolio across multiple exchanges, Delta is the stronger tool.
Personal Finance¶
This is the most significant gap between the two platforms. Delta is an investment tracker — full stop. It does not manage any aspect of your personal finances beyond tracking what your investments are worth.
FlashFi includes:
- Multi-currency cash accounts — track bank accounts in any currency, see everything converted to your home currency
- Debt tracking — credit cards, loans, and liabilities with balances and interest rates
- Savings tracking — goal-based savings across currencies
- Net worth calculation — investments, cash, savings, and debt rolled into one figure
If you use Delta, you need a separate app for personal finance. If you use FlashFi, your investments and personal finances live in the same place. For digital nomads managing money across multiple countries, having a single multi-currency view of everything is a meaningful advantage.
Platform and the eToro Factor¶
Delta is mobile-first. The iOS and Android apps are polished and purpose-built. There is a web companion (web.delta.app) and a desktop app, but both are secondary to the mobile experience. If you manage your portfolio from your phone, Delta’s native app will feel faster than any web app.
FlashFi is web-based and mobile-first. It works in any browser on any device — phone, tablet, laptop. No native app to install. For people who want to check their portfolio from a work laptop or any device without installing software, the web-based approach is more flexible.
It is also worth understanding Delta’s ownership. eToro acquired Delta in 2019, and it now operates within eToro’s ecosystem. Delta PRO+ includes eToro Club Platinum membership as a perk. When your portfolio tracker is owned by a brokerage that profits from trading activity, the incentives are not perfectly aligned with yours.
FlashFi is independent — not owned by a brokerage, bank, or financial institution. The only revenue comes from subscriptions.
Where Delta Wins¶
- Free tier — 10 assets at no cost. If your portfolio is small, this is unbeatable.
- Crypto depth — 300+ exchange connections, on-chain wallet tracking, 6,000+ crypto assets, NFTs. Best-in-class for crypto investors.
- Native mobile app — polished iOS and Android apps built for mobile from the ground up.
- Broker connections — auto-import positions from connected brokerages.
- AI features — personalized market summaries and analyst-grade signals on PRO tier.
- Price at the PRO tier — $99.99/year is competitive for what you get.
Where FlashFi Wins¶
- Personal finance — cash accounts, debt tracking, savings goals. Delta offers none of this.
- Multi-currency native — built from the ground up for people who earn, spend, and invest in multiple currencies.
- Web-based flexibility — works on any device, any browser, no app install required.
- Independence — not owned by a brokerage. No conflicts of interest.
- Unlimited assets on base tier — FlashFi Operator has no asset cap. Delta Basic limits you to 10.
- Net worth — combines investments, cash, savings, and debt into a single figure.
Who Should Choose Delta¶
Delta is the right choice if you:
- Have a crypto-heavy portfolio spread across multiple exchanges
- Want a free tracker and hold 10 or fewer assets
- Prefer a native mobile app over a web app
- Do not need personal finance features
- Are comfortable with (or already use) the eToro ecosystem
- Want AI-powered market analysis
Who Should Choose FlashFi¶
FlashFi is the right choice if you:
- Are a digital nomad, expat, or international investor managing money across currencies
- Want investment tracking and personal finance in one app
- Hold more than 10 assets and want unlimited tracking without per-asset pricing tiers
- Prefer web-based tools that work on any device
- Value an independent tracker with no brokerage affiliation
- Need to see your full financial picture — investments, cash, debt, savings — in one place
By David Brougham