Looking for a Finary Alternative? A Private, No-Sync Option

Finary earned its popularity for good reason. It pulls together bank accounts, brokerages, crypto, and real estate into a single polished dashboard, and for European investors juggling accounts across borders, that aggregation is genuinely useful. If automatic syncing works for you, it is a strong product.

But a lot of people end up searching for a Finary alternative anyway. Usually for one of two reasons: the connections keep breaking, or they are not comfortable with what account aggregation requires. This article looks at both fairly, then makes the case for a manual, private approach.

What Finary Does Well

Let us be balanced before we contrast. Finary's strengths are real:

• Broad aggregation. It connects to a wide range of European and international banks and brokerages.
• Automatic updates. When connections hold, balances refresh without you lifting a finger.
• Polished analytics. Allocation, performance, and net-worth views are well designed.
• Multi-asset coverage. Stocks, ETFs, crypto, real estate, and more in one place.

For someone with simple, well-supported accounts who values hands-off updates, that combination is hard to beat. The question is whether it fits how you actually invest.

Why People Look for an Alternative

The frustrations that send users searching tend to cluster around the syncing model itself.

Connections Break

Aggregation relies on third-party data providers logging into your institutions. Banks update security, add multi-factor steps, or change their interfaces, and the connection drops. Often silently. You think you are looking at current data when you are looking at last month's. The fragility is structural, not a Finary-specific flaw, but it is the most common complaint about any aggregator.

Sharing Access Feels Wrong

To aggregate, you grant access to your financial accounts, frequently through an intermediary. For privacy-conscious users, that is a non-starter. The European Banking Authority's PSD2 framework governs this access and adds protections like strong customer authentication, but it does not change the underlying fact: someone other than you is reaching into your accounts.

Coverage Gaps

Niche brokerages, smaller crypto exchanges, foreign pensions, and self-custodied wallets often are not supported. You end up adding those manually anyway, which means you are doing manual work inside a tool built around automation.

The Core Tradeoff

Both approaches are valid. They just 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." The right choice depends on whether you value automation or control more.

The Manual-First Alternative

If you landed here because syncing let you down or never sat right with you, the alternative is straightforward: enter your balances yourself.

This sounds like a step back until you try it. There are no connections to break, no access to grant, and no coverage gaps. Anything with a value can be tracked, including the obscure brokerage, the foreign pension, and the hardware wallet that no aggregator sees. We lay out the full reasoning in why we don't connect to your bank.

The cost is honest: about five minutes a month and the discipline to do it. The benefit is a tool that simply works, every month, forever, with your data staying private.

Manual Does Not Mean Primitive

A frequent assumption is that giving up syncing means giving up good visualizations. It does not. A purpose-built manual tracker can offer everything the analytics side of an aggregator does:

• A net-worth curve over time, with historical backfill so the chart reflects your whole journey
• Allocation breakdowns across asset classes and currencies
• Goal tracking with a target trajectory overlaid on your actual progress
• Portfolio analysis for risk and diversification

The only thing you give up is the automatic balance refresh. Everything that makes the dashboard useful stays. If you are weighing this against a spreadsheet too, our spreadsheets versus apps comparison covers where a dedicated tool earns its place.

Where MyMoneyViz Fits

MyMoneyViz is built as exactly this kind of alternative: a private, no-sync net-worth tracker for people who want the dashboard without the data sharing.

It supports 13+ asset types, multiple currencies (handy for expats and cross-border investors who chose Finary for the same reason), goals, and a clean net-worth-over-time view. You update in about five minutes a month, prompted by a monthly reminder, and nothing ever silently breaks. Coming soon, AI screenshot import will let you snap a portfolio screen from apps like Trade Republic, Revolut, or Binance to make manual entry even faster, and CSV export is on the way for full data portability.

Is Manual Right for You?

To be fair, sync-based tools like Finary are the better fit for some people. If you have a handful of well-supported domestic accounts, want zero manual effort, and are comfortable with aggregation, stay with what works.

But if your connections keep breaking, your portfolio spans borders and asset types, or you simply do not want a third party in your accounts, a manual-first tracker will serve you better and frustrate 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 the manual approach a real trial. Set up your accounts in MyMoneyViz, backfill a little history, and see whether five private minutes a month beats automation that occasionally lets you down.