Wealth Management Software in France: Which One Should You Choose?
Updated on 22 July 2026
Wealth management software in France aggregates your bank accounts, investments and real estate to help you track and analyse your wealth from a single place. The right choice depends on the asset classes you want to track, your budget and the level of data security you need. This article covers the selection criteria and the solutions available to individuals.
- Free tools suit passive, infrequent monitoring, while advanced features (comparisons, alerts, reporting) remain reserved for paid plans.
- Software tied to a wealth management advisor does not always cover assets you hold elsewhere, which is why an independent, general-purpose tool is useful.
- Data security should be checked before signing up: the provider's privacy policy and, where relevant, its registration with ORIAS.
- Finary aggregates more than 20,000 banks and brokers and covers every asset class, with dedicated wealth advisory support from €500,000.
What is wealth management software, and what is it for?
Wealth management software is a tool that centralises the tracking of your assets and liabilities to analyse your performance and your overall financial position.
A tool for managing your wealth
As the name suggests, wealth management software is a tool that helps you track and manage your assets and liabilities. In other words, it lists all your financial investments, analyses their performance and displays indicators relevant to your profile. Sometimes called an account aggregator, it gives you an overall view of your wealth. For example, real-estate wealth management software can help you track rental flats held under LMNP status (the French tax regime for non-professional furnished-rental landlords), or your investments in SCPI (a French non-listed real-estate investment fund, comparable to a REIT).
Useful for professionals and individuals alike
Wealth management tools and software are often tied to the profession of wealth management advisor. However, they can also be used by individuals to track and manage their investments.
Many wealth management software products are built specifically for one or more wealth management firms, creating bespoke tools tailored to the products they distribute. That said, a growing number of individuals are taking an interest in wealth management and want to track their investments independently, using tools more complete than a simple Excel spreadsheet. Several free wealth management tools have emerged as a result, aimed both at professionals looking for a general-purpose tool and at individuals wanting more visibility over their investments.
What features should wealth management software have?
Good wealth management software should cover four points: defining your investor profile, adding every asset class, factoring in liabilities, and analysing performance over time. Free tools generally cover fewer features and asset classes than paid ones, but this guideline holds across every tool.
Wealth management services built into the software
Whatever wealth management tool you choose, it is important to check that it includes the basic services of wealth management. Certain essential features should be present in your tool so you can track and manage your various investments as effectively as possible.
Defining your investor profile
Necessary before you start investing, your investor profile is based on your personal goals (growing your wealth, preparing for retirement, or reducing your taxes), your current financial situation (income sources, savings capacity) and your risk appetite. This lets you select the financial investments best suited to you.
There are three main investor profiles:
- Defensive or conservative
- Neutral or balanced
- Growth-oriented
Adding different asset classes
To track and manage your wealth effectively, your wealth management software needs to let you add the different asset classes you have invested in. Which asset classes you can add varies by tool, but you should find the main ones in most wealth management tools. Among the different asset classes that can make up your wealth, three main categories stand out.
Current and savings bank accounts
This asset class covers all of your bank accounts, whether current accounts or savings accounts such as a Livret A, a Livret de développement durable et solidaire, a PEL (home savings plan) or a PER (France's retirement savings plan).
Listed assets
This class covers financial investments exposed to stock market fluctuations. It notably includes your securities accounts (CTO), which you use to invest in the stock market, your life insurance policies, or your PEA (a French tax-advantaged equity savings account) and any shares you hold through an employee share-allocation plan, for example.
Real estate and SCPI
This covers the various properties you may have invested in: a flat, a house as a main or second home, or a rental investment in a building, plot of land, parking space or storage unit. You can also track your SCPI shares and their performance. There is also real-estate-specific wealth management software dedicated to tracking your property holdings, particularly rental property.
Factoring in liabilities
An essential part of wealth management, liabilities are your debts, mostly made up of loans and credit. It is important that your wealth management tool accounts for your liabilities: doing so gives you a view of your net worth. To calculate net worth, you subtract the outstanding capital and other liabilities (such as a tax debt) from gross wealth (the total value of your assets). This gives you an accurate picture of your real net worth.
Whatever wealth management software you choose, it should let you add your loans the same way you add your assets. This lets you factor every type of credit into your net wealth picture: from a standard amortising loan to an interest-only (in fine) loan, or a loan with a partial or total grace period.
Tracking how your wealth evolves
Another important aspect of wealth management software is letting you analyse how your investment performance evolves over time. Performance tracking is a crucial part of wealth management: it lets you analyse and rebalance investments as time goes on. If you have a wealth management advisor, this analysis typically happens only at an annual review, or more often depending on your investments and your relationship with your advisor.
Technology in the service of analysis
If you used to manage your assets on an Excel spreadsheet, you had to do this analysis by hand. This is exactly where wealth management software proves its worth: the analysis and calculations happen automatically, and all you have to do is watch your wealth evolve in real time. You also see other data, such as the breakdown of your wealth by asset class, your debt ratio and your safety-net savings.
Market data for comparison
The most advanced tools can go even further when analysing your performance. With the rise of big data, it is now possible to factor in data from many different sources, and in particular to compare your performance with that of other investors on your equity or ETF. It also lets you compare the return on your SCPI holdings with other SCPI available on the market. Past performance is not a reliable indicator of future performance.
How to choose your wealth management software?
The choice of wealth management software depends on three main criteria: the asset classes you want to track, the budget and time you want to devote to it, and the level of data security you are looking for.
| Criterion | Free software | Paid software | Finary |
|---|---|---|---|
| Asset classes tracked | Often limited (1 to 2 classes) | Broad, depending on the provider | Every class (banking, stocks, real estate, crypto, alternative assets) |
| Automatic aggregation | Partial or absent | Yes, depending on the plan | More than 20,000 banks and brokers |
| Liabilities included | Rarely | Depending on the plan | Yes, loans included |
| Human support | No | Rarely | Dedicated private manager from €500,000 (Finary One) |
| Cost | Free | Monthly or annual subscription | Free to sign up, with paid options |
Choosing your asset classes
As we saw at the start of this article, defining your investor profile is the first thing to do before you start investing. Once your profile is defined, you can build your investment strategy and determine which asset classes suit it best.
Depending on the asset classes you choose, some tools suit your needs better than others. If your investment strategy is mainly focused on real estate, buying buildings, flats or houses to rent out, it is worth opting for real-estate-specific wealth management software. If you diversify across several asset classes, a general-purpose wealth management tool makes more sense: it can aggregate data from different asset classes in one place.
The budget and time you want to devote to it
Just as choosing your wealth management software depends on the asset classes you want to include in your portfolio, the budget depends on your investment strategy and the type of management you want to practise. If you opt for active management, it is probably because you have plenty of time to devote to investing in general. In that case, it is worth choosing a full-featured wealth management tool, since you will need advanced features. Those features are often paid, via a monthly subscription.
However, if you opt for passive management, investing in trackers and preferring to follow the market, that may mean you do not have much time to dedicate to investing. In that case, free wealth management software is more than enough to let you check your investments once or twice a month.
In addition, if your investments are under discretionary management, the usefulness of a dedicated wealth management tool can be called into question. Wealth managers often build their own tools and adapt them to the products they distribute. If you invest in a life insurance policy under discretionary management, the broker or insurer provides a tool for tracking your policy's performance. In these cases, it is better to favour free wealth management platforms.
Lastly, if your strategy spans multiple types of investment and your management style varies with your mood, a wealth management tool is always worth having. It lets you keep an eye on your investments and analyse their performance at a glance.
Data security
By signing up for a wealth management tool, you give it access to personal and private information. You enter your accounts, investments, passwords and, for real-estate wealth management software, even your addresses. The quality of security and the measures in place to protect your data matter even more when it comes to your wealth.
It is therefore important to research the company behind the software. Pay close attention to the measures in place to protect your data and to the company's policy on sharing it. A good way to check a wealth management tool's practices is to visit its website, look for a "security" page and, if the provider offers regulated financial services, check its registration on the official ORIAS register. You can also look for reviews from other users sharing their experience with the tool, to form your own opinion.
Good to know : it is important to do your research before choosing personal wealth management software. To do this, you can search for the names of the solutions you have found online and look for reviews, or search for a comparison of wealth management tools. If you are looking for reviews of Finary, specialist sites have tested our app. You can, for example, check out this one from ooinvestir.fr: Full review of Finary. You will generally find plenty of content by searching on Google or YouTube, for example. That said, it is important to do your own digging and choose the wealth management software suited to your situation and your financial goals.To take your wealth management further, it is essential to use the right tools to help you reach your goals, including wealth management software. But how do you choose your software, what should you factor into the selection, and are there solutions for individuals? We answer all these questions in this article, to guide you as best as possible in choosing your wealth management tool.
Finary, the tool for modern investors
It is hard to write an article about wealth management tools without mentioning our own. That said, we try to stay objective in how we present the tool, its features, and why we believe it suits the modern investor.
Tracking every asset class
Beyond the basic features tied to defining your investor profile when you create your Finary account, one of the advantages of our wealth management tool is that it lets you track absolutely every asset class an investor could be interested in.
Here are the assets we manage on Finary:
- Real estate: main residence, second home, rental property or SCPI
- Listed assets: life insurance, PEA, securities accounts, PER, employee savings
- Bank accounts and savings accounts: French and foreign banks, neobanks
- Cryptocurrencies: more than 5,000 cryptos, connect Coinbase, Kraken, Bitstamp, Crypto.com, Finary Invest
- Startups: BSPCE (a type of French startup stock option), crowd-equity investing, angel investing
- SCPI: automatic valuation of the main French SCPI
- Precious metals: every reference for gold, silver, platinum and palladium
- Alternative assets: tracking of other asset classes such as watches or classic cars, real-estate crowdfunding, art and even sneakers.
Since 1 July 2026, only providers holding Crypto-Asset Service Provider (CASP, "PSCA" in French) authorisation under MiCA can legally offer crypto-asset services in France, as the Autorité des marchés financiers (AMF) points out, which publishes the whitelist of approved providers.
It is also possible (and advisable) to add and track your liabilities on Finary. You can add your loans by syncing your bank accounts or entering them manually in a few clicks, letting you analyse the cost of your loan, your monthly payments and the remaining term.
Real-time data management
The advantage of putting technology to work for wealth management is that your net worth is calculated in real time. If a stock in your securities account or one of your cryptocurrencies rises in value, that change is immediately visible in your Finary portfolio.
Beyond your real-time net worth, we also display a range of indicators such as your risk profile, your debt ratio, your safety-net savings, and even your position relative to the ranking of the wealthiest people in France. These indicators evolve as your financial situation changes.
The strength of a community of investors
Making an investment decision can be a lonely experience, especially when faced with sales pitches from some advisors. To help you invest better, we build Finary with a community of passionate investors, whether they are customers or simply curious.
The community lets members discuss investment opportunities and share their knowledge and opinions on an asset class, a financial investment, or even a specific cryptocurrency. Whatever your level of investing expertise, you will find interesting topics there.
Finary One: beyond the software, a dedicated private manager
For portfolios of €500,000 or more in investable assets, Finary offers Finary One. The offering combines the wealth management software with a dedicated private manager for personalised support on wealth strategy, tax optimisation, access to institutional products (FCPR venture-capital funds eligible for the French 150-0 B ter tax deferral regime, Luxembourg life insurance, Lombard lending, and products carrying specific risks of illiquidity, leverage and capital loss) and estate planning.
Finary's wealth management software
Finary is the French platform that automatically aggregates your bank accounts, investments, real estate and crypto into a 360° view of your wealth. For portfolios of €500,000 or more, Finary One adds a dedicated private manager.
- Automatic aggregation of more than 20,000 banks and brokers, in France and abroad.
- A 360° view of your wealth: stocks, ETFs, funds, crypto, real estate, savings accounts, life insurance, retirement, all on a single platform.
- With Finary One (from €500,000 in assets), support from a dedicated private manager on your overall wealth strategy.
Learn more about Finary One → Reserved for investors with €500,000 or more in investable assets. Investing carries risks, including the risk of capital loss.
Frequently asked questions
Is wealth management software free?
Some wealth management software is free, particularly general-purpose aggregation tools meant for passive use. Advanced features (comparative analysis, custom alerts, detailed reporting) are often reserved for paid plans, usually offered as a monthly or annual subscription.
What is the difference between wealth management software and an Excel spreadsheet?
An Excel spreadsheet requires manual updates and calculations, while wealth management software automatically syncs your accounts and updates your performance in real time. It also adds indicators (debt ratio, safety-net savings) that a spreadsheet cannot calculate on its own.
Is wealth management software secure for my banking data?
Security depends on the software provider: data encryption, privacy policy and, for providers offering regulated financial services, verifiable registration on the ORIAS register. Check the site's security page and user reviews before syncing your accounts.
Do I need wealth management software if I already have a wealth management advisor?
An advisor usually offers their own tracking tool, but it does not always cover all of your assets, particularly those held outside their offering. General-purpose wealth management software lets you aggregate all your investments, including those managed by several different professionals.
Which asset classes can general-purpose wealth management software track?
A general-purpose tool like Finary tracks bank accounts, life insurance, PEA, securities accounts, real estate and SCPI, cryptocurrencies, precious metals, and more alternative assets such as collectible watches, art or real-estate crowdfunding, as well as liabilities.
Sources
AMF, whitelist of crypto-asset service providers (PSCA)
AMF, PSCA whitelist, Finary SAS entry
ORIAS, official register of insurance, banking and finance intermediaries
Finary, help centre, connected crypto platforms
Finary Community, MiCA regulatory transition on 1 July 2026
Finary One, dedicated offering for portfolios of €500,000 or more
Regulatory disclaimers: Marketing communication. Investing carries a risk of partial or total capital loss. Past performance is not a reliable indicator of future performance. This article is provided for information and educational purposes only; it does not constitute personalised investment advice, a buy or sell recommendation, or tax advice. Before investing, read the Key Information Document (KID) and, where relevant, consult an authorised adviser. Finary SAS, an investment firm authorised by the ACPR (no. 19283), member of AMAFI. Insurance broker registered with ORIAS (no. 21001279), member of the CNCGP (association approved by the AMF). Crypto-Asset Service Provider (CASP) authorised by the AMF under the MiCA regime, references no. A2026-026 and no. N2026-008.
