A free Finary alternative, compared line by line

Portfolio Terminal is a free alternative to Finary for tracking stocks and ETFs: no account limit, dividends and FIFO realized gains included, and the companies inside your ETFs. Finary is the better pick for automatic syncing of bank, broker and crypto accounts; its free plan links 2 accounts, and dividends need Plus at €149.99 a year.

prices checked October 5, 2026by Julien Esnault, who makes Portfolio Terminal13 sources

Import My PortfolioSee a live portfolio
01Which one

Finary or Portfolio Terminal: who each one suits

choose finary if
  • You want every bank, broker and crypto account synced automatically.
  • You track your whole net worth, including cash and property, in one place.
  • You want a native iOS and Android app.
choose portfolio terminal if
  • You hold more than 2 accounts and don't want to pay to track them.
  • You want dividends, realized gains (FIFO) and a return that accounts for deposits, for free.
  • You prefer not to give a bank or broker login to an aggregator.
02Side by side

The same eight questions, asked of both

side by sidechecked October 5, 2026
QuestionFinaryPortfolio Terminal
Free planFree forever with 2 linked accounts and 2 goals; no dividend tracker.[1]Free with no holding limit. A guest mode works without an account.[2]
Paid plansLite €54.99/year, Plus €149.99/year, Pro €349.99/year, billed yearly.[1]Nothing to buy today. A Pro plan is in development at $9/month billed yearly ($11 monthly), with a waitlist.[2]
How holdings get inAutomatic sync with over 20,000 institutions through Powens, Flanks and Plaid; file import only for a few crypto platforms.[3]Upload a CSV or Excel file or a PDF statement, paste a table, or drop a screenshot from any broker. Transaction-history CSVs from 10 brokers are read directly, plus a generic format. No automatic broker sync.[4]
DividendsPast and announced dividends on the Plus plan only; the history starts the day you sign up.[5]Dividends received by month and year, a 12-month projection, and the next ex-dividend dates of your holdings.[6]
What is inside your ETFsPartial: sector and geographic exposure on Plus; funds without enough data are left out.[7]Yes. The companies inside your funds, from the issuers' full holdings files for 30 US ETFs and the top 10 holdings for other funds.[8]
Realized gainsNo. Gains are unrealized, measured from the average buying price.[9]FIFO lot by lot, or average cost, with a CSV export in IRS Form 8949 column order.[10]
Tax reportsNone for tracked portfolios.[11]None.
PlatformsWeb, iOS, Android.[12]Web. Installable on a phone or desktop home screen (PWA); no app-store app.[13]
03Limits

Best for, and one honest limit each

fit and limits2 tools

FinaryFinary SAS, Paris, France

Best forFrench and European households who want bank, broker and crypto accounts synced automatically into one net-worth view.

LimitPerformance is an unrealized gain from the average buying price that ignores deposits and withdrawals, not a time- or money-weighted return.[9]

Portfolio TerminalJulien Esnault, independent developer, France

Best forInvestors with US or European brokers who want a free web tracker with ETF look-through, FIFO gains and risk in plain English, without linking a bank login.

LimitNo automatic broker sync: you re-import a file or a screenshot when your holdings change. Prices come from Yahoo Finance and can lag the market by several minutes.[4]

04Switching

Moving from Finary

steps3 steps
  1. 01Export the transaction history CSV from each broker (Trading 212, DEGIRO, Interactive Brokers and others are read directly), or take a screenshot of the positions screen.
  2. 02Import it in Portfolio Terminal and check every line before it is saved.
  3. 03Keep Finary for the accounts it syncs well; track the investments here.
05Questions

Finary alternatives: what people ask

questions4 answered

Is Finary free?

Finary has a free plan that links 2 accounts and tracks 2 goals. Paid plans are Lite at €54.99, Plus at €149.99 and Pro at €349.99 a year (checked October 5, 2026). The dividend tracker is on Plus.

Does Finary calculate realized gains?

Its help center describes performance as an unrealized gain from the average buying price that ignores deposits and withdrawals. Portfolio Terminal records realized gains lot by lot (FIFO) and exports them as CSV.

Can Portfolio Terminal sync my accounts like Finary?

No. Portfolio Terminal has no automatic sync: you import a file or a screenshot, review it, and re-import when your holdings change. That is the trade-off for not sharing a bank login.

Does either one produce a French tax report?

No. Neither Finary nor Portfolio Terminal produces a tax report for tracked portfolios today.

Other trackers, same eight questions

Or see all of them on one grid: the best free portfolio trackers, compared.

SharesightalternativeSnowball AnalyticsalternativegetquinalternativeParqetalternativeDeltaalternativeKuberaalternativePortfolio PerformancealternativeGoogle SheetsalternativeMicrosoft Excelalternative

Sources, read on October 5, 2026

Prices and plans are quoted as each vendor prints them, in its currency, on the day above. They change; the linked page is the one to trust. Found something out of date? Write to julien.esnau@gmail.com and the page is corrected with the date.

  1. [1]finary.com/en/pricing
  2. [2]portfolio-terminal.com#pricing
  3. [3]help.finary.com/llms.txt
  4. [4]portfolio-terminal.com/import
  5. [5]help.finary.com/en/articles/7973821-keeping-track-of-your-dividends
  6. [6]portfolio-terminal.com/dividend-tracker
  7. [7]help.finary.com/fr/articles/6521891-comprendre-mon-exposition-sectorielle
  8. [8]portfolio-terminal.com/etf-overlap
  9. [9]help.finary.com/en/articles/7664120-understanding-my-performance-p-l
  10. [10]portfolio-terminal.com/csv-portfolio-tracker
  11. [11]help.finary.com/en/articles/8223537-finary-invest-and-taxes
  12. [12]apps.apple.com/us/app/finary-budget-money-tracker/id1569413444
  13. [13]portfolio-terminal.com/llms.txt
Try it on your own holdingsFree, no card, no bank login. Import a file or a screenshot and check every line before it is saved.Start Free Migration

Portfolio Terminal is made by the author of this page, so read the comparison with that in mind: every statement about Finary links to Finary's own pages, and Portfolio Terminal's limit is stated as plainly as theirs. Nothing here is investment advice.