Looking for a Finary Alternative? A Private, No-Sync Option
Looking for a Finary Alternative? A Private, No-Sync Option
Finary earned its popularity. It pulls bank accounts, brokerages, crypto, and real estate into one polished dashboard, and for European investors juggling accounts across borders that aggregation genuinely helps. When automatic syncing works, it is a strong product.
People still search for an alternative, the same way Mint's shutdown sent users hunting for a replacement. Usually for one of two reasons: the connections keep breaking, or they are not comfortable with what aggregation requires. This article takes both seriously, then argues for the manual route.
What Finary does well
Worth saying plainly, because the strengths are real. It connects to a wide range of European and international banks and brokerages. When those connections hold, balances refresh without you touching anything. The allocation, performance, and net worth views are well designed. Stocks, ETFs, crypto, and real estate all live in one place.
For someone with simple, well-supported accounts who wants hands-off updates, that is hard to beat. The question is whether it matches how you actually invest.
Why people look for an alternative
The frustrations cluster around the syncing model itself.
Connections break
Aggregation depends on third-party providers logging into your institutions. Banks tighten security, add an MFA step, or redesign a page, and the connection drops. Usually without telling you. You think you are reading today's data and you are reading last month's. This is structural, not a Finary flaw, and it is the top complaint about every aggregator.
Sharing access feels wrong
To aggregate, you grant access to your financial accounts, often through an intermediary. For privacy-minded people that ends the conversation. The European Banking Authority's PSD2 framework governs that access and adds protections like strong customer authentication. It does not change the basic fact that someone other than you is reaching into your accounts.
Coverage gaps
Niche brokerages, smaller crypto exchanges, foreign pensions, and self-custodied wallets frequently are not supported. You add those by hand anyway, which means doing manual work inside a tool designed around automation.
The core trade-off
Both approaches are valid. They optimize for different things.
| Factor | Finary (sync-based) | MyMoneyViz (manual-first) |
|---|---|---|
| Updates | Automatic when connected | Manual, roughly 5 min/month |
| Account access | Requires granting access via aggregation | None, you enter balances yourself |
| Reliability | Connections can break silently | Nothing to break |
| Coverage | Broad but with gaps | Universal, any asset with a value |
| Privacy | Data flows through providers | Data stays where you put it |
| Best for | Hands-off users with supported accounts | Privacy-focused users, complex or international portfolios |
Neither column is wrong. Pick based on whether you value automation or control.
The manual-first alternative
If syncing let you down or never sat right, the alternative is simple: type your balances in yourself.
That sounds like a downgrade until you try it. Nothing to break, no access to grant, no coverage gaps. Anything with a value can be tracked, including the obscure brokerage, the foreign pension, and the hardware wallet no aggregator can see. The full reasoning is in why we don't connect to your bank.
The cost is honest: five minutes a month and the discipline to actually do it. What you get back is a tool that works every month, forever, with your data staying yours.
Manual does not mean primitive
People assume dropping the sync means dropping the charts. It does not. A purpose-built manual tracker gives you everything the analytics half of an aggregator does:
- A net worth curve over time, with historical backfill so the chart covers your whole journey
- Allocation breakdowns across asset classes and currencies
- Goal tracking with a target trajectory over your actual progress
- Portfolio analysis for risk and diversification
The one thing you give up is the automatic balance refresh. If you are weighing this against a spreadsheet as well, our spreadsheets versus apps comparison covers where a dedicated tool earns its keep.
Where MyMoneyViz fits
MyMoneyViz is built as this kind of alternative: a private, no-sync net worth tracker for people who want the dashboard without the data sharing. It holds its own against the best net worth trackers that are built around syncing.
It covers 13+ asset types, several currencies (handy for expats and cross-border investors, who often picked Finary for that reason), goals, and a clean net worth curve. You update in about five minutes a month, prompted by a monthly reminder, and nothing breaks behind your back. AI screenshot import is coming, so you will be able to snap a portfolio screen from Trade Republic, Revolut, or Binance instead of typing. CSV export is on the way too.
Is manual right for you?
Sync-based tools like Finary fit some people better. A handful of well-supported domestic accounts, zero appetite for manual effort, no objection to aggregation? Stay where you are.
If your connections keep breaking, your portfolio crosses borders and asset types, or you would rather keep third parties out of your accounts, a manual-first tracker will annoy you less.
Try the no-sync approach
The most reliable connection is no connection. Nothing to break, nothing to share, nothing to leak.
If you have been fighting broken syncs or hesitating over account access, give manual a real trial. Set up your accounts in MyMoneyViz, backfill some history, and see whether five private minutes a month beats automation that lets you down every few weeks.
