Vault compared with Finary
Finary is a wealth tracker that aggregates your bank, brokerage and crypto accounts and keeps them updated for you. Vault connects to nothing and asks you to state what you own. The trade is real in both directions: Finary costs you a set of account connections and a database that can read your balances, and saves you the upkeep. Vault costs you a few minutes a month and cannot read a single figure you enter.
| Vault | Finary | |
|---|---|---|
| How data arrives | You enter it; listed prices update themselves | Aggregated from connected accounts, plus manual entry |
| Account connections | None offered | Bank, brokerage and crypto, via regulated aggregators |
| Who holds your credentials | Nobody — none are asked for | Not Finary itself; third-party aggregators such as Powens or Plaid |
| What their server can read | Ciphertext, row identifiers, dates | Your balances, and transaction data where connected |
| Encryption of values | Client-side, before sending | In transit and at rest, under keys they hold |
| Price | Free to fifteen holdings; Pro $15 a month | Free tier; paid tiers published on their pricing page |
| Companies, nested look-through | Yes, resolved to your economic share | Not a documented feature |
| Financial-independence projection | First-class, with Monte Carlo | Projection and simulation on paid tiers |
| Upkeep per month | A few minutes | Close to none where a connector exists |
Verified August 2026. Prices and features change; if you find something out of date here, it is a mistake rather than a position.
When Finary is the better choice
If your assets sit in accounts Finary can connect to, and you want a total that updates without you touching it, Finary will serve you better and Vault will feel like homework. Its coverage of European banks and brokers is genuinely good, and the connections are made through regulated aggregators rather than by asking you for passwords in a text box. Choose Vault when you would rather nobody — including us — be able to read the figures, or when the assets that matter most to you are ones no connector can see.