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Measured on six things

EU-built net worth tracker that syncs stocks, property, c...

Growth

Domain only 7 weeks old with minimal traction signals. One Reddit mention and LinkedIn profile; zero reviews, stars, or community presence yet.

Screenshots

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Krosos

About this app

Krosos is a refreshingly private net worth tracker built in the EU for European investors. Unlike generic tools, it connects read-only to your brokers (Trading 212, Interactive Brokers), banks via open banking, crypto exchanges (Binance, Coinbase, etc.), and even on-chain wallets. It also handles property (with yearly revaluation and mortgage amortization), pensions, and liabilities. Every transaction lands in a review queue for your approval before entering your ledger. The built-in tax engine supports FIFO or weighted average and has presets for Belgium's 2026 capital gains tax, France, and Germany. Hosted on your own private database – or run the desktop app locally for max privacy. Includes a forecast engine that projects decades ahead, a Telegram bot, and an API/agent access for AI assistants. No referrals, no upsells – just one price.

Key features

1Read-only broker, bank, crypto, and on-chain sync with manual review queue
2EU tax engine with FIFO/weighted average and BE/FR/DE presets including 2026 rules
3Private per-user database or fully local desktop app plus Telegram bot and AI API access

Target customer profile

Drawn from the product itself, not from a survey.

Demographic

European expats and cross-border investors

Pain points

Multiple accounts across different countries and currencies, complex tax obligations

Primary needs

Centralized tracking with multi-currency support and tax estimates for their home country

Demographic

FIRE (Financial Independence, Retire Early) community

Pain points

Need accurate net worth tracking and long-term forecasting including tax impact

Primary needs

Forecast engine, Monte Carlo simulations, and tax-aware withdrawal planning

Demographic

Privacy-conscious high-net-worth individuals

Pain points

Concerned about data sharing with US-based services, want control over their financial data

Primary needs

EU-hosted private database or desktop-only option, read-only connections, no data mining

Scout Review

Written by AI from measured evidence, scored out of 100.

Krosos stands out for its EU tax presets, private hosting or desktop deployment, and forecast engine aimed squarely at cross-border European investors. The single-price model and absence of upsells align with its privacy-first positioning, though the extremely young age means real-world validation is still pending.

Measure by measure

Usability

Straightforward 14-day trial and live demo; review queue and read-only syncs reduce manual work. API docs exist but onboarding flow is lightly documented.

Design

Clean, modern UI with consistent teal branding, generous padding on cards and charts, and clear visual hierarchy across dashboard and settings.

Speed

Excellent Lighthouse mobile score of 97/100 with fast LCP and zero CLS. Modern stack delivers snappy dashboard interactions.

Security

HTTPS + basic headers in place; strong architectural privacy via per-user DB or local desktop. No third-party audits or compliance badges published.

Accessibility

Strong automated score (94/100) but contrast and landmark issues flagged. Responsive design helps mobile users; no explicit WCAG or multi-language support documented.

Growth

Domain only 7 weeks old with minimal traction signals. One Reddit mention and LinkedIn profile; zero reviews, stars, or community presence yet.

Improvement areas

Lack of published security audits or compliance certifications
Extremely limited external traction and community signals
Sparse documentation beyond the API page

Design & Usability

Krosos delivers a polished, consistent design language with teal accents, clean charts, and intuitive dashboard cards that make net worth tracking visually satisfying. The review queue and read-only syncs keep data entry light while the 14-day full-access trial lowers the barrier to testing. Minor friction comes from the long hero paragraph and sparse documentation beyond the API page, but the overall flow from signup to live demo feels purposeful for privacy-focused European users.

Speed & Security

Speed is a clear strength with a 97/100 Lighthouse mobile score and instant chart rendering. Security relies on architectural choices—private per-user databases, desktop option, and read-only connections—rather than published certifications. The header checklist is only half-complete and no audits are referenced, so the product sits at a competent but unremarkable level for a new EU tool handling sensitive financial data.

Accessibility & Growth

Accessibility passes automated checks at 94/100 yet still trips on contrast and landmarks; the responsive layout supports mobile use but lacks deeper WCAG claims or language options. Growth is the weakest dimension: a 7-week-old domain with almost no external footprint means the product is judged purely on trajectory and early founder signals rather than proven adoption.

Conclusion

For users tired of US-centric tools and spreadsheet Sundays, Krosos offers a thoughtful alternative that prioritizes data ownership and tax accuracy over flashy features.

Suggestions for improvement

Add a public changelog and roadmap to build early trust.
Publish a short security whitepaper or third-party audit summary.
Expand docs with step-by-step onboarding screenshots and tax-engine examples.
Fix the two Lighthouse accessibility issues before wider launch.

How we score

Alternatives comparison

Named competitors, point by point. Nobody paid to appear here or to be left out.

	Krosos	Personal Capital (Empower)	Mint	YNAB (You Need A Budget)
EU tax engine with country presets	Yes - BE 2026, FR, DE presets; FIFO or weighted average	No - US-centric only	No - shut down 2024	No - budgeting focus, no capital gains
Private database or local desktop option	Yes - per-user DB or fully local desktop	No - cloud only	No - cloud only	No - cloud only
Read-only broker/bank/crypto sync	Yes - Trading 212, IBKR, Binance, Coinbase, open banking, on-chain	Yes - US banks/investments	Yes - US focus	Limited - manual or basic bank links
Long-term forecast with tax impact	Yes - decades ahead, Monte Carlo, tax-aware	Yes - retirement planner	No	No - budgeting only