Multi-currency net worth trackers compared
Five products that track what a household owns, listed alphabetically. Each fact comes from the product's own public pages, with the date we read it.
Currencies
- Finary
Not stated on its own public pages.
- HyWorth
All 30 supported currencies, converted daily into one total in the currency you choose.
- Kubera
Tracks assets in any currency and shows them in yours, crypto included.
- Monarch
Not stated on its own public pages.
- ProjectionLab
You choose the currency it displays.
Countries' tax rules
- Finary
Not stated on its own public pages.
- HyWorth
Tax brackets in the planner (Pro).
- Kubera
Not stated on its own public pages.
- Monarch
Not stated on its own public pages.
- ProjectionLab
Tax presets for Canada, the United Kingdom, Australia, Germany, the Netherlands and more.
Planning
- Finary
Simulates how your assets could evolve over 30 years (Plus).
- HyWorth
Scenarios, tax brackets and Monte Carlo simulations (Pro).
- Kubera
What-if modelling, for example buying a house.
- Monarch
Savings goals alongside your budget, and monthly and yearly forecasts of your spending.
Source: monarch.com/features/budgeting, read on 15 November 2026
- ProjectionLab
Forecasts, Monte Carlo simulations and historical backtesting on the free plan; what-if scenarios with Premium.
Bank connections
- Finary
Connects through Plaid (US, Canada and UK), Powens (EU) and Flanks (EU).
- HyWorth
Optional, with Pro: bank and brokerage accounts in the United States and Canada. Elsewhere you enter balances yourself, once a month.
- Kubera
Over 20,000 institutions through several aggregators, in countries including the US, Canada, the UK and much of Europe.
Source: kubera.com/blog/bank-investment-portfolio-auto-update, read on 15 November 2026
- Monarch
Connects through Plaid, Finicity, MX or Spinwheel.
- ProjectionLab
Works without connecting a bank or brokerage account.
Source: projectionlab.com/security, read on 15 November 2026
Where data is kept
- Finary
Google Cloud, in European zones.
- HyWorth
Stored in Switzerland (Zurich), processed in the EU (Frankfurt).
- Kubera
Stored on AWS, encrypted at rest.
- Monarch
Not stated on its own public pages.
- ProjectionLab
Operated in the United States, where data is stored and processed.
Source: projectionlab.com/privacy-policy, read on 15 November 2026
Budgeting
- Finary
Tracks income and expenses automatically (Plus and Pro).
- HyWorth
Budget tracking, on the free plan.
- Kubera
Not stated on its own public pages.
- Monarch
Two ways to budget, with rules that categorise transactions automatically.
Source: monarch.com/features/budgeting, read on 15 November 2026
- ProjectionLab
Not stated on its own public pages.
Price
- Finary
Free plan. Lite €54.99, Plus €149.99 and Pro €349.99 a year.
- HyWorth
Free plan. Pro is CHF 300 a year; founding members pay CHF 120 a year for the first 24 months.
- Kubera
Essentials $250 a year, Black $2,500 a year, with a 14-day trial.
- Monarch
$99.99 a year or $14.99 a month; the first week is free.
- ProjectionLab
Free plan. Premium $129 a year; Pro, for advisers, $549 a year.
Where HyWorth is weaker
A fair comparison says where we fall short, too.
- Automatic bank connections cover the United States and Canada only, and come with Pro. Finary and Kubera connect to banks in Europe as well.
- There is no bank transaction feed: you can record transactions on an account by hand, but HyWorth is not built for day-to-day spending tracking. Finary (Plus and Pro) and Monarch track transactions automatically.
- Monte Carlo simulations come with Pro. ProjectionLab offers them on its free plan.
Who HyWorth is built for
For the family CFO with money in more than one country: track all of it, plan your life choices on it, and watch it grow.
How we compared
We read each product's own public pages and wrote down what they say. Where a product's pages do not say, the page says so; we do not guess, and we do not use reviews. We read every fact again at least every 120 days.
Spotted a fact that is out of date? Write to darius@hyworth.ai and we will check it.
See your own family's picture
HyWorth adds up every account, property and pension you have, in any of thirty currencies, converted with the rate shown. You then plan your life choices on that one number.
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