Memo № 01
Comparison · 2026.04.11 · 6 min read
Best Portfolio Trackers for European Investors in 2026
Seven portfolio aggregation apps compared across 19 features that matter to European and US investors: Delta, CoinStats, Kubera, Wealthica, Finary, getquin and lait.finance.
European investors face a specific problem: most portfolio trackers are built for the US market. They support USD, US brokers and US banks, and fall short the moment you need EUR as a base currency, a European bank connection, or a physical asset like a flat in Valencia or a watch.
We compared seven portfolio aggregation platforms across 19 features that matter most to European and US investors in 2026. Updated in September 2026: every competitor checked against its own site or app-store listing.
The Comparison Table
| Feature | lait.finance | Delta | CoinStats | Kubera | Wealthica | Finary | getquin |
|---|---|---|---|---|---|---|---|
| Crypto tracking | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Stock & ETF tracking | Yes | Yes | No | Yes | Yes | Yes | Yes |
| Bank account aggregation | Yes | No | No | YesThousands of banks worldwide | Yes | Yes20,000+ institutions | YesUnlimited, free plan included |
| Open Banking (PSD2) | Coming soon2,500+ European banks | No | No | Yes | No | Yes | Yes |
| CSV upload | Yes40+ bank formats, 30+ exchanges and brokers | No | No | Manual only | No | Limited | Yes |
| Physical asset tracking | YesReal estate, watches, vehicles, yachts | No | No | Manual | No | Real estate | Manual |
| Watch valuations | YesChrono24, 50+ brands | No | No | No | No | No | No |
| Real estate valuations | YesListing portals, €/m² by neighbourhood | No | No | No | No | France only | No |
| AI portfolio advisor | YesOpenAI and Anthropic models, read-only | No | No | No | No | No | No |
| AI transaction categorization | YesRules first, model for the rest, learns your corrections | No | No | No | No | Basic | No |
| Monthly budgeting | YesGuided, streaks, auto-recalc | No | No | No | No | Yes | No |
| Spanish tax estimate | YesIRPF and wealth tax, per region | No | No | No | No | France only | Germany only |
| Market heatmap | Yes | No | No | No | No | No | No |
| News feed | YesReal-time | Yes | Yes | No | No | No | Yes |
| Liabilities tracking | YesWith asset linking | No | No | Yes | No | Yes | No |
| EUR base currency | Yes+ USD toggle | Yes | Yes | YesMulti-currency | CAD only | EUR only | EUR only |
| Multi-language | English, Spanish | YesSpanish included | YesSpanish included | English | English, French | French, English | German, English |
| Multi-wallet support | Yes | Yes | Yes | No | No | No | Limited |
| Free tier | YesBasic access, no expiry | YesLimited | YesLimited | No$250 a year, 14-day trial | YesLimited | YesLimited | YesLimited |
| Target market | Europe + US | Global | Global | Global | Canada | France, then global | Germany, Austria |
Delta: Best for Crypto-First Users
Delta (by eToro) is a solid tracker with a clean mobile UI. It follows crypto, stocks, ETFs and forex, syncs brokerages such as Interactive Brokers and eToro or takes manual entries, and is free for up to 10 assets. It has no bank connections, no budgeting and nothing for physical assets, so a diversified European portfolio ends up half outside it.
Best for: Mobile-first investors in crypto and stocks who do not need bank or budgeting features.
CoinStats: Best Crypto Analytics
CoinStats has the deepest DeFi analytics of the group: wallet scanning, yield tracking, NFT portfolio. It is crypto-only. No stocks, no banks, no budgeting.
Best for: DeFi power users who want on-chain analytics above everything else.
Kubera: Best for High Net Worth Across Countries
Kubera is a complete net worth tracker: crypto, stocks, bank accounts, real estate and alternative assets. It connects thousands of banks and brokerages worldwide and works in several currencies. It has no free tier: $250 a year after a 14-day trial, and no Spanish tax logic.
Best for: High-net-worth investors with assets in several countries who will pay for a complete balance sheet.
Wealthica: Best for Canadian Investors
Wealthica aggregates Canadian brokerage accounts automatically. That is its core strength. Crypto and international accounts are limited, the base currency is CAD, and it is built for the Canadian market.
Best for: Canadian investors with Canadian brokerage accounts.
Finary: The All-in-One Born in France
Finary is the closest thing to Lait in Europe: banks, investments, crypto, real estate and debt on one dashboard. It connects more than 20,000 banks, brokers and crypto platforms worldwide. It was born in France, its site is in French and English, and it has no Spanish tax estimate. There is a free plan; Finary Plus is €149.99 a year after a 14-day trial.
Best for: Investors who want a very complete all-in-one and do not need a Spanish tax estimate, starting with those living in France.
getquin: Best Community for DACH Investors
getquin is strong on stocks and ETFs, with a large German-speaking community, dividend calendars and a German tax view. It connects banks and brokers, with no limit even on the free plan; Premium is €89.99 a year and Wealth €149.99. It has no Spanish tax logic, and its site, in German and English, is aimed at Germany and Austria.
Best for: German and Austrian stock and ETF investors who value the social layer.
lait.finance: Everything on One Screen, for Europe and the US
Lait combines bank statements (Open Banking with 2,500+ European banks is coming), CSV import for 40+ bank formats and 30+ exchanges and brokers, physical assets with real valuations, liabilities linked to the asset they finance, monthly budgeting, a Spanish tax estimate, and an AI advisor that reads your whole picture and can never move your money.
It connects Binance, BingX, Bybit, Coinbase, OKX, KuCoin, Bitpanda, Bitvavo, Bitstamp, Kraken, Blofin, PrimeXBT, Aster, Backpack, Hyperliquid for crypto and MetaMask, Rabby, Phantom, Ledger, Trezor for on-chain wallets. Stocks and ETFs come in through read-only broker sync through SnapTrade (Trade Republic, Interactive Brokers) on Premium; on Free, trade-history exports from DEGIRO, Interactive Brokers, Trade Republic, Scalable Capital, MyInvestor, eToro, Revolut or positions added by hand. Basic access is free and does not expire; Premium is a flat subscription, not a percentage of what you own.
Best for: European and US investors who want crypto, stocks, banks, property, debt and budgeting on one screen, in EUR or USD.
Verdict
If you invest from Europe and want one dashboard for your whole financial picture, Lait has the widest coverage of the seven in 2026, and it is the one that bridges European banking, physical assets and a tax estimate with US-style crypto and stock tracking. If you are crypto-only, Delta or CoinStats will feel lighter. If you live in France or Germany and only hold listed assets, Finary or getquin may fit your local market better.
Try it at lait.finance.
Try it
Lait puts your crypto, stocks, banks, property and debt on one screen, in EUR or USD. Request an invitation.
No card needed. Basic access is free. Built in Barcelona.