FlashFi vs Sharesight: Multi-Currency Portfolio Tracking Compared

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 Sharesight if you are based in Australia, New Zealand, the UK, Canada, or the US and need automated tax reporting, dividend tracking, and CGT calculations. Sharesight’s tax features are genuinely excellent, and the free tier lets you get started with up to 10 holdings.

Choose FlashFi if you are a digital nomad or expat managing money across multiple countries, need true multi-currency support without being locked to a single base currency, and want personal finance features (cash, debt, savings) alongside your investments.

Quick Comparison¶

Pricing Breakdown¶

Sharesight uses a four-tier model with holding limits at the lower tiers:

FlashFi has two tiers, both with unlimited holdings:

At first glance, Sharesight looks cheaper — and for investors with small portfolios, it is. The free plan is genuinely useful if you hold fewer than 10 positions. The Starter plan at $84/year is the most affordable paid option in the comparison.

However, the limitations matter. Sharesight’s Starter plan caps you at 30 holdings in a single portfolio. If you are a diversified international investor with positions across multiple markets and currencies, you will likely need the Standard plan ($216/year) for unlimited holdings and multiple portfolios. At that price, FlashFi Operator ($144/year) is cheaper and includes personal finance features that Sharesight does not offer at any tier.

Also note that Sharesight’s annual billing saves about 25% over monthly billing. FlashFi bills monthly with no annual commitment required.

The Base Currency Problem¶

This is the single biggest difference between the two platforms and the primary reason FlashFi exists.

Sharesight locks each portfolio to one base currency, determined by the tax residency you select when creating the portfolio. All holdings in that portfolio are converted to that base currency for performance calculations, reporting, and display. You cannot change a portfolio’s base currency after creation. If you want to see your investments in a different currency, you have two options:

1. Run the Multi-Currency Valuation Report (available on Standard and Premium plans only) to see point-in-time values in a different currency.
2. Create an entirely new portfolio with a different tax residency and re-enter all your trades.

Neither option is great for someone who moves between countries. If you are an Australian who relocates to the UK, your existing AUD-based portfolio cannot become a GBP-based portfolio. You would need to create a new portfolio and duplicate your data.

FlashFi treats multi-currency as the default. Every holding is stored in its native currency. Your home currency is a display preference, not a structural constraint. Switch from USD to EUR to GBP to THB with one click — your entire portfolio recalculates instantly. There is no concept of being locked in. When you move countries, you change your home currency and everything updates.

For investors who live in one country and invest primarily in that country’s market, Sharesight’s approach works fine. For digital nomads and expats, it creates friction that compounds over time.

Tax Reporting¶

This is where Sharesight is genuinely excellent, and FlashFi cannot compete today.

Sharesight generates tax reports tailored to specific jurisdictions:

• Capital gains tax (CGT) reports — Calculate realized gains and losses using jurisdiction-specific rules (FIFO, LIFO, specific identification, etc.). Available for Australian, Canadian, and other supported tax residencies.
• Unrealized CGT report — See your potential tax liability before you sell.
• Taxable income report — Breaks down dividend and distribution income by local and foreign sources, which is exactly what you need at tax time.
• Sold securities report — Details every disposal during the tax year with cost basis, proceeds, and gain/loss.

These reports are designed to be handed directly to your accountant or imported into tax software. If you are based in Australia, New Zealand, the UK, Canada, or the US and want to simplify tax season, Sharesight saves real time and money.

FlashFi does not offer tax reporting. If you need CGT calculations or taxable income reports, Sharesight is the better tool for that specific job.

That said, tax reporting becomes complicated for digital nomads who may have tax obligations in multiple countries or who change tax residency. Sharesight’s reports are tied to the portfolio’s tax residency, which is fixed. If your tax situation is multi-jurisdictional, you may end up needing a tax professional anyway, regardless of which tool you use.

Dividend Tracking¶

Sharesight’s dividend tracking is a genuine strength:

• Automatic detection — When a company pays a dividend, Sharesight automatically records it in your portfolio. You do not need to enter dividends manually.
• DRP support — For ASX and NZX listed stocks, Sharesight handles dividend reinvestment plans automatically, including the new shares added to your position.
• Corporate actions — Stock splits, consolidations, and other corporate actions are automatically applied.
• Dividend income reporting — See your total dividend income over any period, broken down by holding, currency, and local vs. foreign source.
• Future income projections — The Standard and Premium plans include a Future Income report that projects your expected dividend income.

FlashFi tracks dividends as manual transactions. You can record dividend payments, but they are not automatically detected from market data. If dividend income is a significant part of your investment strategy — and especially if you rely on DRP — Sharesight handles this better.

Broker Integration¶

Sharesight supports automatic trade imports from 200+ brokers worldwide, plus email-based trade confirmation imports. If you use Interactive Brokers, Schwab, Stake, SelfWealth, or most major brokerages, you can import your trade history with minimal manual work.

Sharesight also supports file-based imports for bulk trade uploads via CSV.

FlashFi uses manual entry for all trades and positions. You search for a ticker, enter the number of shares, purchase price, and date. Prices for listed securities update automatically after that, but the initial data entry is on you.

For investors migrating from spreadsheets with years of trade history, Sharesight’s import tools save significant time upfront. For someone starting fresh or with a smaller number of positions, manual entry in FlashFi is straightforward.

Personal Finance¶

This is where FlashFi offers something Sharesight does not.

Sharesight is purely an investment tracker. It does an excellent job tracking stocks, ETFs, funds, and crypto — but it does not track your bank account balances, debts, or savings goals. If you want a complete picture of your financial life, you need Sharesight plus a separate personal finance app.

FlashFi includes:

• Multi-currency cash accounts — Track bank accounts across countries and currencies. See all your cash converted to your home currency.
• Debt tracking — Credit cards, personal loans, student debt, mortgages. Track balances, interest rates, and currencies.
• Savings tracking — Emergency funds, travel savings, goal-based accounts across currencies.
• Net worth calculation — Investments plus cash minus debt equals your true net worth. Updated in real time.

For a digital nomad with a brokerage account in the US, a savings account in Thailand, a credit card in EUR, and crypto on an exchange, FlashFi shows the complete picture. Sharesight would show only the brokerage portion.

Market Coverage¶

Sharesight covers 60+ stock markets worldwide and supports over 700,000 listed securities. It is particularly strong in the Australia/New Zealand region (where the company is based) and has solid coverage of UK, Canadian, and US markets.

FlashFi uses Tiingo for market data, which provides strong coverage of US, Canadian, and major European markets, plus cryptocurrency. Tiingo’s coverage of Asian markets (excluding China) and some smaller exchanges is less comprehensive. This is a known limitation.

For investors focused on Australian or New Zealand stocks, Sharesight has a clear edge in market data quality and corporate action handling for those specific markets.

Reporting and Analytics¶

Sharesight’s reporting is deep, especially at the Standard and Premium tiers:

• Performance report — Time-weighted and money-weighted returns, including the impact of currency fluctuations.
• Diversity report — Asset allocation by market, sector, country, and currency.
• Contribution analysis — Which holdings contributed most (or least) to your portfolio performance.
• Multi-Currency Valuation — View your portfolio denominated in any supported currency on any historical date.
• Drawdown risk — Premium only. Understand your portfolio’s risk profile.
• Multi-period comparison — Premium only. Compare performance across different time periods.

FlashFi’s reporting includes portfolio performance charts, allocation breakdowns (by ticker, asset type, and sector), and net worth history. The reporting is functional but not as deep as Sharesight’s at the higher tiers. FlashFi’s Apex plan includes advanced analytics, but Sharesight’s reporting heritage gives it an edge for investors who want detailed portfolio analysis.

Where Sharesight Wins¶

• Tax reporting — CGT reports, taxable income reports, unrealized gains, sold securities reports. Tailored to AU/NZ/UK/CA/US tax rules. This is Sharesight’s killer feature.
• Dividend tracking — Automatic dividend detection, DRP handling (ASX/NZX), corporate action tracking, and income projections.
• Free tier — Track up to 10 holdings for free. A genuinely useful option for small or beginner portfolios.
• Broker imports — 200+ broker connections and email-based trade imports. Reduces manual data entry significantly.
• Market coverage — 60+ markets, 700,000+ securities, with especially strong AU/NZ coverage.
• Reporting depth — Contribution analysis, drawdown risk, multi-period comparison, and detailed performance attribution.
• Mobile app — Native iOS and Android apps. FlashFi is web-only (though mobile-first in design).
• SOC 2 + GDPR compliance — Enterprise-grade security certifications.

Where FlashFi Wins¶

• True multi-currency — No base currency lock-in. Switch your home currency anytime and see your entire portfolio re-denominated. For nomads who change countries, this is the difference between a tool that works and a tool that fights you.
• Personal finance — Cash accounts, debt tracking, and savings across currencies. See your real net worth, not just your investment portfolio.
• Simpler pricing — Unlimited holdings on every plan. No 10-holding or 30-holding caps. No annual billing requirement.
• Built for mobility — Designed for people who live and invest across borders. Multi-currency is not a report — it is the foundation.
• Price at scale — For investors needing unlimited holdings plus multi-currency, FlashFi Operator ($144/year) is cheaper than Sharesight Standard ($216/year), and includes personal finance features.

Who Should Choose Sharesight¶

Sharesight is the right choice if you:

• Are based in Australia, New Zealand, the UK, Canada, or the US and want automated tax reports for that jurisdiction
• Have a significant dividend income strategy and want automatic dividend tracking and DRP handling
• Use a supported broker and want automatic trade imports rather than manual entry
• Have a small portfolio (under 10 holdings) and want a free tracker
• Invest primarily in one country’s market and do not need to switch base currencies
• Want deep performance analytics and reporting (contribution analysis, drawdown risk, multi-period)

Who Should Choose FlashFi¶

FlashFi is the right choice if you:

• Are a digital nomad, expat, or remote worker who moves between countries and currencies
• Want to see your investments, cash, and debt in one app, all converted to whichever currency you choose
• Have holdings across multiple markets and currencies and do not want to be locked into a single base currency
• Do not need tax-specific reporting (because your tax situation is complex enough to need a professional anyway)
• Want unlimited holdings without paying for a higher tier
• Value a clean, mobile-first interface designed for managing money on the go

Try FlashFi — Start Tracking

By David Brougham