If your money sits at several banks and brokers in Europe, the best net worth tracker is the one that connects to them. In September 2026 that narrows the field: Finary and Gylder link Dutch banks through PSD2, getquin and Delta connect DEGIRO automatically, and Empower and Monarch Money do not work with European bank accounts at all.
Most "best app" lists are written for the US, where Plaid connects almost everything. In Europe the picture is patchier: bank connections run through PSD2, brokers such as DEGIRO do not offer an open API, and some apps only track investments, not your savings, home or mortgage. Below we compare eight trackers on the things that decide whether you still need a spreadsheet next to them: bank connections, broker connections, crypto, property and debts, price, and where your data is stored.
What matters in a net worth tracker for Europe
A net worth tracker is only as good as the data it can collect without you. Four questions separate the options.
Does it connect European bank accounts?
Under PSD2, the EU's revised Payment Services Directive, licensed providers can read your balances with your consent. An app either has such a connection (directly or through an aggregator such as Enable Banking, Powens or finAPI) or it doesn't. We explain how this works in What is PSD2, and what can an app do with your bank data?
How does it get your broker data?
DEGIRO does not offer a public API. Apps either log in on your behalf, ask you to upload an export, or read PDF statements. Automatic is convenient; an export is more work but does not require sharing your broker password.
Can it hold everything else?
Your net worth includes your home, your mortgage, gold, a business stake or a loan to family. Investment trackers often skip these. If your net worth is mostly property and pension, an app that only sees shares shows you a fraction.
Where is the data stored?
European, American and local-only options all exist. For some people that is a detail; for others it decides the matter.
The eight trackers compared
Prices and connections as published on each company's own website on 22 September 2026.
| App | Price | Dutch bank accounts | DEGIRO | Crypto | Property and debts | Data stored |
|---|---|---|---|---|---|---|
| Gylder | from €8 a month | Yes, via PSD2 | CSV import | Bitvavo, Coinbase | Both | Germany |
| Finary | free (2 accounts), Lite €54.99, Plus €149.99 a year | Yes, via PSD2 | Automatic | Coinbase, Kraken, Binance, wallets | Both | EU |
| getquin | free, Premium €89.99 a year | Not confirmed | Automatic | Coinbase, Binance, wallets | Property yes (manual), debts not confirmed | Europe |
| Kubera | $250 a year | Not confirmed | Not confirmed | Wallets, Coinbase | Both | United States |
| Delta | free (10 assets), PRO $53.88 a year | No current or savings accounts | Automatic | Bitvavo, Coinbase, Kraken, wallets | Neither | EU and other countries |
| Portfolio Performance | free, open source | No | PDF import | Prices only | Not confirmed | Your own computer |
| Parqet | free, Plus €11.99 a month | No | File import | File import | Property yes, loans as negative cash | Germany |
| Sharesight | free (10 holdings), Starter €84 a year | No | CSV and email import | Coinbase, Kraken | Property yes, no debts | United States |
"Not confirmed" means we could not find it on the company's own pages. It may work; check before you pay.
Strengths and limits of each tracker
Gylder (gylder.nl) is a Dutch net worth tracker that connects over 2,700 banks in 29 countries through Enable Banking, links Bitvavo and Coinbase with read-only API keys, and lets you add property, precious metals, loans and business stakes by hand, including a mortgage split into loan parts. Data is stored in Frankfurt. The limits: DEGIRO comes in through a CSV export rather than a live connection, other brokers are not connected, and it runs in the browser rather than as a separate phone app.
Finary is French and has the broadest European bank coverage we could verify. Its institution list, linked from its help centre, shows ING, ABN AMRO, Rabobank, bunq, ASN, SNS and Knab as live, and DEGIRO, Trade Republic and Interactive Brokers connect automatically. The free plan stops at two accounts (Lite at €54.99 a year removes that limit), Bitvavo is not supported, and Finary also sells its own investment products. The interface is in English, French and German.
getquin from Berlin is the most generous free option: unlimited bank and broker connections at no cost, with DEGIRO, Trade Republic, Interactive Brokers and Scalable Capital connecting automatically. Its site does not confirm Dutch or Belgian banks, and the free app is partly funded by advertising.
Kubera is built for complex, international portfolios: crypto wallets on 17 chains, property, vehicles, debts and private investments. It uses several aggregators and lists the Netherlands among its countries, but we could not confirm specific Dutch banks. It costs $250 a year, billed in dollars, and data is stored in the United States.
Delta, owned by the broker eToro, connects a wide range of European brokers and exchanges out of the box, including DEGIRO and Bitvavo. It tracks investments only: no bank balances, property or mortgage.
Portfolio Performance is free, open-source desktop software that keeps everything in a file on your own computer and reads PDF statements from over 90 banks and brokers. It has a Dutch interface and serious performance maths, but no live connections at all, and the phone app is read-only.
Parqet from Hamburg imports files from more than 50 brokers and syncs a handful of German ones automatically. It does not connect bank accounts, so it is an investment tracker rather than a full net worth view.
Sharesight from New Zealand is strong on dividends and performance reporting and offers euro pricing. It has no bank connections and tracks assets only, so debts stay outside the picture.
One more open-source option is Wealthfolio. It stores data locally and offers paid broker sync, but has no bank connections or Dutch interface.
Why Empower and Monarch Money don't work in Europe
Both appear on almost every list, and neither connects European accounts. Empower's Personal Dashboard only supports US financial institutions and asks for a US phone number at sign-up. Monarch Money is available only in the US and Canada and recommends connecting only accounts in US or Canadian dollars. You could type your balances in by hand, but then you are running a spreadsheet with a subscription.
Which tracker fits which situation
Bank accounts, a home and a mortgage, plus some investments. You need PSD2 bank connections and room for property and debts. Finary and Gylder cover this; Finary connects DEGIRO automatically, Gylder stores your data in Germany and handles mortgage loan parts.
Mostly shares and ETFs at several brokers. getquin and Delta connect the most brokers automatically and both have a free tier. Add bank accounts manually or accept that your cash is missing.
Crypto on Bitvavo next to other assets. Delta and Gylder connect Bitvavo directly; Finary and Kubera do not list it.
You don't want your data on anyone's server. Portfolio Performance keeps everything on your own machine. You pay for that in manual imports.
An international portfolio with private assets. Kubera handles the widest range of asset types, at a dollar price and with US hosting.
Whichever you pick, look at how it presents your asset allocation. A tracker that shows one total is useful; one that shows the split across cash, shares, property and crypto tells you more.
How Gylder fits in
Gylder is a net worth tracker, not (yet) a budgeting app. It was built for people in the Netherlands and the rest of Europe whose money sits at several banks, a broker, an exchange and a house, and who want one current figure instead of a spreadsheet. Bank balances update through PSD2, DEGIRO comes in through the account export described in reading your DEGIRO statement, and everything else you add once and update when it changes. Basic costs €8 a month, Pro €15 a month, or €12.50 a month billed yearly (€150), both with a 14-day trial (pricing).
If automatic DEGIRO sync or a free plan matters more to you than those points, Finary, getquin or Delta will suit you better. Our alternatives pages compare Gylder with each of them in more detail.
What this doesn't tell you
This comparison is based on what each company publishes on its own website on 22 September 2026. Connections break, prices change and new banks are added, so check the current list before you subscribe, especially for the entries marked "not confirmed". We did not test how reliable each connection is day to day, and that differs per bank.
We also did not look at budgeting, tax reporting or financial advice features. If you need a tax statement for box 3 or advice on your investments, a tracker is not the tool for that. This article is general information, not financial advice.
Frequently asked questions
Does Empower work in the Netherlands? No. Empower only links US financial institutions and requires a US phone number. Dutch accounts can only be entered by hand.
Which net worth tracker connects DEGIRO automatically? Finary, getquin and Delta connect DEGIRO automatically by logging in on your behalf. Gylder, Parqet, Sharesight and Portfolio Performance import a DEGIRO export or statement instead, because DEGIRO has no public API.
Is there a free net worth tracker for Europe? Yes. getquin is free with unlimited connections and includes ads. Finary is free for two accounts, Delta for ten assets, and Portfolio Performance is free open-source software without live connections.
Is it safe to connect my bank account to a tracker? A PSD2 connection gives read-only access to balances and transactions. The app cannot move money, and you can withdraw consent at any time through the app or your bank.
Which tracker supports Dutch banks such as ING, ABN AMRO and Rabobank? Finary and Gylder confirm Dutch bank connections through PSD2 on their own websites. For getquin and Kubera we could not find that confirmation.