FlashFi vs Finary: Which Wealth Tracker Is Better for International Investors?

Disclosure: FlashFi is a competitor to the products mentioned.

Disclosure: FlashFi is a competitor. This is our honest assessment based on publicly available information.

TL;DR¶

Choose Finary if you are based in Europe (especially France), want automatic bank sync for European institutions, need real estate valuation, or want a generous free tier to get started.

Choose FlashFi if you are a digital nomad or expat who moves between countries, want a focused multi-currency investment tracker without the complexity, and prefer a tool built from scratch for globally mobile people.

Quick Comparison¶

Pricing Breakdown¶

Finary has four tiers. The free plan lets you link two accounts and track basic assets. Finary Lite costs EUR 54.99/year (roughly EUR 1.05/week) and unlocks unlimited account linking, budgeting, a fee scanner, and a dividend tracker. Finary Plus at EUR 149.99/year adds prediction tools, monthly reports, family mode, and priority support. Finary Pro at EUR 349.99/year adds professional account linking and holding mode for wealth managers.

FlashFi has two tiers. Operator at $12/month gives you full investment tracking, multi-currency conversion, cash and debt tracking, and portfolio analytics. Apex at $39/month adds advanced analytics and premium features.

The value comparison depends on what you need. If you just want to see all your accounts in one place and you are in Europe, Finary’s free tier or Lite plan is hard to beat on price. If you need a dedicated investment tracking workflow designed for someone who holds assets across multiple countries and currencies, FlashFi’s Operator tier gives you that focus without the feature bloat.

Bank Sync and Account Aggregation¶

This is where Finary has a clear structural advantage. Finary connects to over 20,000 banks and financial institutions through partners like Powens (for European banks) and Plaid (for US/UK). You link your accounts, and balances update automatically. For someone with a French bank account, a Revolut card, and a Charles Schwab brokerage, Finary pulls everything together without manual data entry.

FlashFi does not offer bank sync. You add holdings manually, search for tickers, and enter share counts and purchase prices. Price updates happen automatically via Tiingo, but the initial setup is hands-on.

For many users, bank sync is a dealbreaker — and that is a fair assessment. If you have 15 accounts across multiple banks and want a passive dashboard, Finary is the stronger choice today.

However, bank sync comes with trade-offs that matter for nomads. Sync connections can break when you change countries or close accounts. Third-party aggregators sometimes lag behind on supporting banks in smaller markets. And if you are in Southeast Asia or Latin America, the coverage may be spotty regardless of which platform you use.

Multi-Currency and Global Support¶

Both platforms support multiple currencies, but the philosophy differs.

Finary was built for the French market and expanded outward. Its currency handling works well when your primary base is one European country and you have some international investments on the side. The interface, regulatory compliance, and feature depth all reflect this European-first approach.

FlashFi was built for people who do not have a single “home country” in the traditional sense. You pick a home currency for reporting, and every holding, cash account, and debt balance is converted in real time using Tiingo forex rates. The entire UX assumes your assets are spread across currencies and that this is normal, not an edge case.

If you hold a US brokerage account, a UK pension, a Thai savings account, and crypto — and you want to see your total net worth in EUR — both tools can technically do this. But FlashFi treats this as the default use case, while Finary treats it as one of many supported configurations.

Real Estate Tracking¶

This is a genuine Finary strength and one of its most popular features, especially in France.

Finary partners with PriceHubble to provide automated property valuations in six European countries (France, Germany, Belgium, Austria, and expanding). For French properties specifically, the integration is deep — it uses notary databases, land registers, and machine learning to estimate values weekly. You can set the DPE energy label, land surface area, and building year for more accurate estimates.

You can add properties from anywhere in the world manually, but the automated valuation is the real draw.

FlashFi does not track real estate. It is focused on liquid investments (stocks, ETFs, crypto, mutual funds) plus cash and debt. If property is a significant part of your net worth, this is a gap.

Feature Depth vs. Focus¶

Finary is a comprehensive wealth management platform. Beyond investments, it offers budgeting with AI-powered categorization, a fee scanner to find hidden costs in your funds, a diversification score with actionable insights, dividend tracking, family mode for couples, monthly wealth reports, and prediction tools for financial modeling. The Pro tier even supports professional wealth managers with multi-account management.

This breadth is impressive, but it comes with complexity. The interface has more screens, more settings, and more concepts to learn. For someone who just wants to know “what is my portfolio worth across currencies right now,” there is a lot of surface area to navigate.

FlashFi is deliberately narrower. It tracks investments, cash, savings, and debt. It shows your net worth in your chosen currency. It gives you portfolio performance charts and allocation breakdowns. And that is largely it. The bet is that for globally mobile people, a focused tool that does multi-currency investment tracking really well is more valuable than a Swiss Army knife that does everything adequately.

Mobile Experience¶

Finary has native iOS and Android apps with strong ratings (4.8 stars on both stores). The mobile experience is a first-class citizen — you can check your net worth, see bank synced balances, and review your portfolio on the go.

FlashFi is a web application with a mobile-responsive design. It works well in a mobile browser, but there is no native app. For users who want app store presence and push notifications, Finary wins here.

Where Finary Wins¶

• Bank sync: Automatic account linking across 20,000+ institutions is genuinely transformative for passive wealth tracking.
• Real estate valuation: If you own property in France or Western Europe, the PriceHubble integration is best-in-class.
• Free tier: You can try Finary with real accounts before paying anything. The free plan with two linked accounts is a low-risk way to evaluate the product.
• Feature breadth: Budgeting, fee scanning, dividend tracking, family mode, wealth simulation — Finary covers more ground.
• Mobile apps: Native iOS and Android apps with polished UX.
• Scale and stability: 800,000+ users and a EUR 25M Series B from PayPal Ventures means Finary is well-funded and not going anywhere.

Where FlashFi Wins¶

• Built for nomads: The entire product assumes you are globally mobile. Multi-currency is the core architecture, not an add-on feature.
• Simpler UX: Fewer features means less cognitive load. If you know what you want to track, you can get set up quickly without navigating a complex onboarding flow.
• Investment-focused: Real-time price data from Tiingo, portfolio performance charts, allocation breakdowns, and transaction history — tuned for people who actively manage investments across markets.
• No bank sync dependency: Manual tracking means no broken connections when you move countries or switch banks. Your data is always up to date because you control it.
• Transparent pricing: Two tiers, no upsell complexity. You know what you are paying and what you get.

Who Should Choose Finary¶

Finary is the right choice if you are primarily based in Europe (especially France), you value automatic bank sync and want a passive dashboard, you own real estate and want automated valuations, you want a free tier to start with, or you need budgeting and cash flow tracking alongside your investments. If your financial life is centered in one or two European countries with some international investments, Finary is the more mature, feature-rich option.

Who Should Choose FlashFi¶

FlashFi is the right choice if you are a digital nomad, expat, or remote worker who lives across borders, your investments are spread across multiple countries and currencies as a fundamental part of your financial life (not an edge case), you want a focused investment tracker without the complexity of a full wealth management suite, you prefer manual control over your data rather than relying on bank sync connections that may break across jurisdictions, or you value a clean UX that treats multi-currency as the default rather than an afterthought.

Try FlashFi — Start Tracking

By David Brougham