Source: https://fincobra.com/blog/accointing-alternative.html


# FinCobra Watchlist vs Accointing (now Blockpit): Monitoring vs Tax Hybrid

If you are searching for an **Accointing alternative**, Accointing is not a live product.

**Accointing is now Blockpit.** The remaining question is the job:

- **tax reports** (a tax-year license), or
- **monitoring** (current-position PnL on a short source list, at $1/mo)

Those are different products. Watchlist is **not a tax alternative**.

**Quick answer:** Blockpit wins tax reports. [FinCobra Watchlist](https://watch.fincobra.com/) is the Accointing alternative for **monitoring**: a [SPA/PWA](https://watch.fincobra.com/) with [docs](https://watch.fincobra.com/docs/), **zero-crossing / current-position PnL**, and **3 crypto sources free, then $1/mo or $10/yr**. It does **not** file **Form 8949**. It is **not tax software**, **not TurboTax**, **not** a MoneyWiz / Monarch / Empower replacement, **not MCP**, and **not local-only**. Sign up with **Google or a wallet**.

This is a fit filter. They win the tax hybrid. We will not out-report them.

## What happened to Accointing

Facts as of 2026-08-26. Brand history, not a live Accointing catalog.

- [Blockpit’s Accointing landing](https://blockpit.io/lps/accointing) states **Accointing is now Blockpit**. History they describe runs through **31.12.2023**. Pre-2023 years were offered as **free highest-tier licenses**.
- That landing still says **250,000+**. When Blockpit pages disagree, use the [pricing-page catalog](https://www.blockpit.io/pricing): **160+ exchanges, 190+ chains, 2,500+ dApps, 3M+ assets**.
- The [2023 acquisition post](https://www.blockpit.io/blog/blockpit-acquires-accointing) said the Accointing platform would shut down **“end of January next year.”** That post does not name a calendar year. Do not treat a specific official date as settled from that sentence.

There is no live Accointing product URL on this page. The product you would buy today is Blockpit.

## The split that actually matters

Blockpit is a **tax hybrid**. On 2026-08-26, [Blockpit pricing](https://www.blockpit.io/pricing) keeps **tracking always Free** against that catalog. You pay when you want the tax layer:

- **Tax reports** by transaction band: **49 / 99 / 149 / 229 / 549 EUR**
- **Source of Funds** **19.99 EUR**
- **Blockpit Plus** **3.99 EUR/mo**, billed **47.90 EUR/year**

That is the Accointing job that survived: reports, a tax-year license.

FinCobra Watchlist is the **monitoring** product. You sign in with Google or a wallet. You add Bitcoin xPub; EVM on Ethereum, Arbitrum, and BSC; Solana; Binance or Bybit **read-only API, spot only**; or a Hyperliquid **address**. You type bank, cash, and property by hand. **No Plaid.** PnL is **zero-crossing / current-position**. **Bitcoin xPub** is the strongest full-history source.

If the job is “give me a tax report,” use Blockpit. Watchlist does not file Form 8949. If the job is “watch those sources and current-position PnL without buying a tax license,” Watchlist is the cheaper monitor.

## Accointing (now Blockpit) vs Watchlist at a glance

| | Accointing → Blockpit (official, 2026-08-26) | FinCobra Watchlist |
| --- | --- | --- |
| Product | Tax hybrid. Tracking plus paid tax reports. | [SPA/PWA](https://watch.fincobra.com/). [Docs](https://watch.fincobra.com/docs/). Monitoring, not tax. |
| Signup | Their account flow. | **Google or wallet.** |
| Catalog | Pricing page: **160+ exchanges, 190+ chains, 2,500+ dApps, 3M+ assets.** Landing still says **250,000+**. | **BTC xPub**; **EVM ETH / Arbitrum / BSC**; **Solana**; **Binance + Bybit RO API, spot only**; **Hyperliquid by address.** |
| Bank / cash / property | See their pages. Not quoted here. | **Manual** only. **No Plaid.** |
| PnL / reports | Tax reports. That is the product they sell. | **Zero-crossing / current-position PnL.** **Bitcoin xPub** strongest full-history. |
| Tax forms | Tax reports by tx band. | **Not tax software.** **No Form 8949.** **No TurboTax.** |
| Headline price | Tracking **Free**. Tax **49 / 99 / 149 / 229 / 549 EUR**. SoF **19.99 EUR**. Plus **3.99 EUR/mo** billed **47.90 EUR/year**. | **3 crypto sources free.** Then **$1/mo or $10/yr.** |
| What it is not | Not a dead Hobbyist / Trader / Pro dollar menu. | Not a MoneyWiz / Monarch / Empower replacement. **No MCP.** **Not local-only.** |
| Best fit | Tax reports, SoF, Plus optimization. | Monitoring. Current-position PnL. $1/mo. Not a tax alternative. |

Blockpit numbers from [pricing](https://www.blockpit.io/pricing), the [Accointing landing](https://blockpit.io/lps/accointing), and the [2023 acquisition post](https://www.blockpit.io/blog/blockpit-acquires-accointing). Recheck those pages — plans move. Do not quote the old Accointing Hobbyist / Trader / Pro **$79 / $199 / $299** menu. That menu is dead.

## Choose Blockpit if

Choose Blockpit if most of these are true:

- You need a **tax report** for a tax year, priced by transaction band (**49 / 99 / 149 / 229 / 549 EUR** on [pricing](https://www.blockpit.io/pricing)).
- You need a **Source of Funds** report (**19.99 EUR**).
- You want the **tax hybrid**: free tracking across their catalog, then a paid license when you file.
- You want **Blockpit Plus** (**3.99 EUR/mo**, billed **47.90 EUR/year**) for their optimization layer.
- You need **160+ exchanges / 190+ chains** from the pricing catalog — not the six crypto sources Watchlist ships.

If that is the job, use Blockpit. Watchlist will not grow Form 8949 to win this page.

## Choose Watchlist if

Choose FinCobra Watchlist if most of these are true:

- You will live on the **shipped crypto sources only**: Bitcoin xPub; EVM on Ethereum, Arbitrum, and BSC; Solana; Binance and Bybit **read-only API, spot only**; Hyperliquid **by address**.
- You want **zero-crossing / current-position PnL**, with **Bitcoin xPub** as the strongest full-history source. Details: [Watchlist docs](https://watch.fincobra.com/docs/).
- You will **enter bank, cash, and property by hand**. **No Plaid.**
- **3 free crypto sources**, then **$1/mo or $10/yr**, is the price you want.
- You will sign in with **Google or a wallet**, on the hosted [SPA/PWA](https://watch.fincobra.com/). **Not local-only.** **No MCP.**
- You do **not** need tax reports, Form 8949, TurboTax, or a MoneyWiz / Monarch / Empower replacement.

“Accointing alternative” here means **monitoring**. Not “Blockpit with a $10 sticker.”

## Where Blockpit wins, without the dodge

**Tax reports.** [Pricing](https://www.blockpit.io/pricing) sells tax-year licenses by transaction band: **49 / 99 / 149 / 229 / 549 EUR**. Tracking is **Free**. The thing you pay for is the report.

**Source of Funds.** **19.99 EUR** on the same page. Watchlist has none.

**Plus.** **3.99 EUR/mo**, billed **47.90 EUR/year**. Their optimization layer. Watchlist is not that layer.

**Catalog.** Pricing page: **160+ exchanges, 190+ chains, 2,500+ dApps, 3M+ assets**. The Accointing landing still says **250,000+**. Watchlist ships the short list above. We will not invent a 160-exchange matrix.

If you need those, stop. Buy Blockpit.

## What Watchlist actually is

Watchlist is the hosted [SPA/PWA](https://watch.fincobra.com/). Sign up with **Google or a wallet**. It is **not local-only**. There is **no MCP**. [Docs](https://watch.fincobra.com/docs/).

Shipped crypto sources:

- Bitcoin xPub
- EVM: Ethereum, Arbitrum, BSC
- Solana
- Binance read-only API, **spot only**
- Bybit read-only API, **spot only**
- Hyperliquid by address

PnL is **zero-crossing / current-position**. **Bitcoin xPub** is the strongest full-history source.

Bank, cash, and property are **manual**. **No Plaid.**

Price: **3 crypto sources free**, then **$1/mo or $10/yr**.

It is **not tax software**. **No Form 8949.** **No TurboTax.** It is **not** a MoneyWiz / Monarch / Empower replacement.

## Price, honestly

**Blockpit (official, 2026-08-26):** tracking **Free**. Tax **49 / 99 / 149 / 229 / 549 EUR** by tx band. SoF **19.99 EUR**. Plus **3.99 EUR/mo** billed **47.90 EUR/year**. Those are the [pricing](https://www.blockpit.io/pricing) numbers.

**Watchlist:** first **3 crypto sources free**. A fourth crypto source is **$1/month or $10/year**.

$10/yr vs a 49 EUR tax license is only a comparison if you already accepted **no tax report**. If you still need Form 8949, you are comparing a filing product to a monitor that cannot file.

## What Accointing-alternative pages usually skip

Most `Accointing alternative` results compare other **tax** tools on form coverage and transaction-band price. That is the right set if you still want a report.

It is the wrong set if you searched “Accointing alternative” because you wanted **balances and current-position PnL**, not a tax-year license.

Four skips:

1. **“Watchlist replaces Accointing / Blockpit.”** It does not. They win tax reports. We win monitoring.
2. **“They both do PnL the same way.”** Blockpit sells tax reports. Watchlist sells **zero-crossing / current-position** PnL.
3. **“$1/mo vs 49 EUR.”** True as arithmetic. False as a product comparison unless you already dropped Form 8949.
4. **A cheaper tax tool.** Watchlist is **not tax software**. The price is lower because the job is smaller.

## How to decide in one pass

1. Need a **tax report**? → **Blockpit**. Watchlist has **no Form 8949** and **no TurboTax**. Stop.
2. Need **SoF (19.99 EUR)** or **Plus (47.90 EUR/year)**? → **Blockpit**. Stop.
3. Need the **160+ exchange / 190+ chain** catalog? → **Blockpit**. Stop.
4. Need a **MoneyWiz / Monarch / Empower** replacement? → **Neither of these.** Stop.
5. Need **monitoring** on the listed sources, **zero-crossing PnL**, **manual** bank/cash/property, **3 free then $1/mo or $10/yr**? → **FinCobra Watchlist.**

## Open Watchlist

If step 5 is the job, open the [Watchlist SPA/PWA](https://watch.fincobra.com/) and read the [Watchlist docs](https://watch.fincobra.com/docs/).

Do not ask us to be Accointing. That brand is Blockpit now. This product monitors PnL. It does not file tax.