Tool profile
Finary: cost, fit and limits
Finary is a wealth tracking app made by Finary SAS that aggregates bank, brokerage, crypto and other accounts into one view, adds AI analysis of expenses and an AI connector for a user's own assistant, and offers a paid subscription.
What to know first
Finary can be used for free, and a subscription unlocks full access. The page names Finary Plus at 149.99 euros a year with a 14 day trial, and mentions Lite and Pro without giving their prices in the text captured. Finary SAS is a French company registered as a PSCA with the AMF, and the page says data is hosted in Europe and access to accounts is read-only.
Finary at a glance
| Maker | Finary SAS, France |
|---|---|
| Free plan | Yes |
| Entry price | 149.99 euros per year (Finary Plus) |
| API access | No |
| Category | Best AI Investment Portfolio Trackers in 2026, rank 3 of 11 |
| Website | finary.com |
Who Finary is best for
French and European savers with scattered accounts
Aggregation through Powens and Plaid pulls banks, brokers and crypto into one screen, which spares a saver from reconciling several apps each month.
Investors who want an AI view of spending
The app categorizes expenses with AI and offers an AI connector, so someone who already uses an assistant can query their own wealth data from it.
Savers considering a life insurance contract
Finary Life lists 0% entry, payment and switch fees with a 0.5% management fee on unit-linked funds, and an investment minimum of 150 euros.
Finary plans and pricing
| Plan | Price | What it includes |
|---|---|---|
| Free version | Free | Free use of the app, with the page stating that full access requires a subscription. |
| Finary Plus | 149.99 euros per year | Full access to the app with a 14 day free trial; the page states the yearly price in euros. |
| Finary Lite and Pro | Not captured on the opened pages | Both names appear as solutions, but their prices and inclusions were not captured, so the difference from Plus is unverified here. |
Checked November 2026.
What Finary does
- Account aggregation
- Banks, brokerages, crypto and other accounts feed one wealth view through aggregation services the page names as Powens and Plaid, with read-only access to the accounts.
- AI expense analysis
- Expenses are categorized automatically with AI, and budget and performance tracking sit in the same app, so spending and holdings can be read together. Both sit in the same app as the portfolio.
- AI connector
- A connector lets users query their wealth from their own AI assistant. The page does not name the supported assistants or the data fields exposed.
- Crypto trading in the app
- Users can buy and sell crypto inside the app, which sets Finary apart from trackers that only display holdings and leave trading to the exchange.
- Finary Life
- A life insurance contract with 0% entry, payment and switch fees and a 0.5% management fee on unit-linked funds, with an investment minimum of 150 euros.
How Finary handles your data
The page says data is hosted in Europe and encrypted with AES and SHA-256, and that account access is read-only, so Finary cannot make transactions on connected accounts. Finary SAS states a registration as a PSCA with the AMF. Retention periods, deletion on cancellation and whether data trains AI models were not stated on the page opened. The AI connector is described without detail on which fields an outside assistant can read, so review that before enabling it.
Where Finary falls short in practice
- Full use needs a subscription. The free version exists, but the page says full access requires a subscription. A saver who wants to test everything must start the 14 day trial of Plus and then pay 149.99 euros a year.
- Two plans without prices. Lite and Pro are named but their prices were not captured, so a buyer cannot compare tiers from the pages opened and should read the pricing page before choosing.
- Insurance carries costs. Finary Life has a 0.5% management fee on unit-linked funds and a 150 euro minimum, which matters if the insurance wrapper is part of why you are signing up.
Works with
Alternatives to Finary
Finary: common questions
How much does Finary Plus cost?
The page states 149.99 euros per year for Finary Plus, with a 14 day free trial. Finary Lite and Finary Pro are named, but their prices were not captured on the pages opened. A free version also exists, although full access requires a subscription, so the free tier is best treated as a preview.
Can Finary move money on my accounts?
No. The page says access is read-only, so Finary cannot make transactions on connected accounts. Crypto buying and selling happens inside the Finary app itself, which is a separate feature, and the Finary Life insurance contract is a distinct product with its own fees.
Where does Finary store my data?
The page says Europe and names AES and SHA-256 encryption. It does not give a country, a retention period or a deletion timeline. Finary SAS is registered as a PSCA with the AMF, as the page states, which is a registration and not a security certification.
What AI features does Finary have?
Two are named: AI analysis of expenses with automatic categorization, and an AI connector that lets you query your wealth from your own assistant. The page does not list which assistants work or what data they can read, so check the details before connecting one.
Does Finary work outside France?
The company is French and hosts in Europe, and it aggregates through Powens and Plaid. The page opened does not list the countries or institutions supported, so search the institution list for your bank and broker before starting the trial.