FlashFi vs Simply Wall St: Portfolio Tracker or Stock Research Tool?
Disclosure: FlashFi is a competitor to the products mentioned.
Disclosure: FlashFi is a competitor to Simply Wall St. This is our honest assessment based on publicly available information.
TL;DR¶
Choose Simply Wall St if you want a stock research and analysis platform. Its Snowflake visualizations, fundamental analysis, valuation models, and stock screener are best-in-class for retail investors. The portfolio tracker is a solid bonus feature.
Choose FlashFi if you need a multi-currency portfolio tracker that combines investment tracking with personal finance. FlashFi tracks what you own across stocks, ETFs, crypto, cash, and debt — but it will not help you research what to buy next.
These tools overlap on portfolio tracking but have very different primary purposes.
Quick Comparison¶
| Feature | FlashFi | Simply Wall St |
|---|---|---|
| Primary focus | Portfolio tracking + personal finance | Stock research + analysis |
| Starting price | $12/mo ($144/yr) | Free (limited) / $7.50/mo ($90/yr) |
| Premium price | $39/mo ($468/yr) | $20/mo ($180/yr) |
| Free tier | No | Yes (limited) |
| Stock coverage | Via Tiingo | 120,000+ across 90 markets |
| Snowflake analysis | No | Yes (5-factor visual scoring) |
| Valuation models | No | Yes (DCF, comparables) |
| Stock screener | No | Yes (fundamentals-based) |
| Analyst estimates | No | Yes (S&P Global data) |
| Multi-currency portfolio | Yes (home currency conversion) | Limited (display currency) |
| Cash accounts | Yes | No |
| Debt tracking | Yes | No |
| Savings tracking | Yes | No |
| Crypto | Yes | No |
| Net worth | Yes (all assets + liabilities) | Stock portfolio only |
| Bank connections | No (manual entry) | Yes (2,000+ via Plaid) |
| Mobile app | Web (mobile-first) | iOS + Android |
| Community features | No | Yes (discussions, ideas) |
Pricing Breakdown¶
Simply Wall St has three tiers:
- Free — Limited stock reports, 1 portfolio, restricted screener. Good for trying the platform.
- Premium — $7.50/month billed annually ($90/year), or $9/month billed monthly. Full stock reports, 3 saved screeners, multiple portfolios, and complete analysis access.
- Unlimited — $20/month billed annually ($180/year). Everything in Premium plus 5 portfolios with unlimited holdings, 10 saved screeners, and priority support.
All paid plans include a 30-day money-back guarantee.
FlashFi has two tiers:
- Operator — $12/month ($144/year). Full investment tracking, personal finance, multi-currency support.
- Apex — $39/month ($468/year). Everything in Operator plus advanced analytics and portfolio insights.
Simply Wall St is cheaper at every tier. But the pricing comparison is misleading without context — Simply Wall St is primarily a research tool with portfolio tracking as a secondary feature, while FlashFi is a dedicated tracker with personal finance built in.
Stock Research and Analysis¶
This is Simply Wall St’s reason for existing, and it is genuinely excellent.
The Snowflake is their signature feature — a visual five-factor score for every stock covering value, future growth, past performance, financial health, and dividends. At a glance, the shape tells a story: a stock scoring high on value and dividends but low on growth looks very different from a high-growth, low-dividend stock.
Behind the Snowflake sits fundamental analysis powered by S&P Global Market Intelligence data. Each stock report includes DCF valuation models, peer comparisons, analyst estimates, insider trading, and risk assessments. Coverage spans 120,000+ stocks across roughly 90 markets. The stock screener lets you filter by dozens of fundamental metrics and set alerts when new stocks match your criteria.
FlashFi has none of this. It tells you what your portfolio is worth and how it has performed — it does not analyze whether your stocks are overvalued or undervalued. If stock research matters to you, Simply Wall St wins by a wide margin.
Portfolio Tracking¶
Both tools track portfolios, but the scope differs significantly.
Simply Wall St’s portfolio tracker shows stock holdings with performance metrics, diversification analysis (by sector and geography), and the Portfolio Snowflake. Recent updates added transaction-based portfolios with full return calculations including realized gains, dividends, and currency impact. You can link 2,000+ brokerages via Plaid or enter positions manually. However, the tracker is stocks only — no crypto, cash accounts, savings, or debt.
FlashFi’s portfolio tracker covers stocks, ETFs, mutual funds, and crypto with real-time pricing. Beyond investments, FlashFi tracks cash accounts, savings, and debt across currencies — rolling everything into a net worth calculation with allocation charts and performance history.
Multi-Currency and Personal Finance¶
This is where the tools diverge most sharply.
FlashFi was built for people who manage money across borders. Every asset and account is converted to your home currency in real time. The net worth calculation combines investments, cash, savings, and debt across all currencies into one number.
Simply Wall St lets you set a display currency and calculates currency impact on stock returns. But it has no concept of cash accounts, savings, or debt. For a digital nomad with financial lives in multiple countries, Simply Wall St covers stock analysis but leaves everything else untracked.
Brokerage Connections vs. Manual Entry¶
Simply Wall St connects to 2,000+ brokerages worldwide via Plaid. Link your accounts and holdings sync automatically. You can also upload trade statements or enter positions manually.
FlashFi is manual entry only. Market prices update automatically for publicly traded assets, but positions and account balances are entered by hand. Simply Wall St wins on convenience here.
Where Simply Wall St Wins¶
- Stock research — Snowflake visualizations, DCF models, peer comparisons, analyst estimates. Unmatched for retail investors.
- Stock coverage — 120,000+ stocks across 90 markets with S&P Global data.
- Stock screener — Filter by dozens of fundamental metrics, save screeners, set alerts.
- Price — Free tier available. Paid plans start at $90/year versus FlashFi’s $144/year.
- Brokerage connections — 2,000+ brokerages via Plaid for automatic syncing.
- Mobile apps — Native iOS and Android apps alongside the web platform.
Where FlashFi Wins¶
- Complete financial picture — Stocks, ETFs, crypto, cash, savings, and debt in one place. Simply Wall St tracks stocks only.
- Multi-currency personal finance — Cash accounts, savings, and debt across currencies with real-time FX conversion.
- Net worth — Combines all assets and liabilities across currencies into one number.
- Crypto tracking — Live crypto prices alongside traditional investments.
- Built for expats — Designed for managing finances across multiple countries, not just stock markets.
Who Should Choose Simply Wall St¶
Simply Wall St is the right choice if you:
- Want to research stocks before buying — valuation, fundamentals, growth prospects, financial health
- Need a stock screener to find investment ideas based on specific criteria
- Already have a personal finance tool and just need stock analysis and portfolio tracking
- Want automatic brokerage syncing via Plaid
- Prefer a lower price point or want to start with a free tier
Who Should Choose FlashFi¶
FlashFi is the right choice if you:
- Need a portfolio tracker that goes beyond stocks — covering crypto, cash accounts, savings, and debt
- Live or work across multiple countries and need multi-currency financial tracking
- Want a single net worth number that includes all your assets and liabilities worldwide
- Already know what you want to invest in and need a tool for tracking, not research
By David Brougham