Freedom251 › Personal Finance Software
Finanzguru
by Finanzguru
What Finanzguru is
Finanzguru is a digital household budget app from Finanzguru, a Frankfurt am Main company. It brings income, spending, accounts, and contracts into one place, with automatic account syncing and tools for budgeting, bill tracking, net-worth tracking, and report export. Its AI categorizes transactions, identifies recurring contracts, calculates available budgets, and suggests savings opportunities. An AI companion answers questions using transactions linked to the user’s accounts and can suggest next steps. Users can review recurring costs and cancel unwanted contracts in the app with one tap. Finanzguru says it connects more than 4,000 banks and providers, including checking and savings accounts, crypto exchanges, and investment accounts. The free plan includes account connections, income and spending views, contract overviews, and in-app cancellation. The free version shows transaction data up to three months back. Finanzguru Plus is listed at €0.99 per month and adds budgets, extended analysis and forecasts, longer history, and Excel export. Apps are available for Android and iOS; the Mac desktop version requires an M-chip Mac.
Who it suits
It suits people in Germany and Austria who want income, spending, contracts, and multiple account types together. It also fits users seeking AI-based transaction categorization and contract cancellation.
What it does well
- Automatic syncing across connected accounts
- AI categorizes transactions and recurring contracts
- Connects more than 4,000 banks and providers
- One-tap cancellation for unwanted contracts
- Android and iOS apps available
What to know first
- Free history reaches only three months back
- Mac version requires an M-chip Mac
- Plus pricing note says €0.99 per week regularly
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free | Connect accounts · View income, expenses and contracts · Contract cancellation | Free |
| Finanzguru Plus | Regulär kostet unser Abo 0,99€ / Woche · Budgets · Extended analysis and forecasts · Longer transaction history · Excel export | €0.99 a month |
| Finanzguru (free) | Connected accounts · income and spending overview · contract overview · in-app cancellation | Free |
As finanzguru.de lists them, read 23 Sept 2026. The maker's own page has the final word.
Verdict
Finanzguru combines account aggregation, budgeting, contract oversight, and AI guidance in one household finance app. The free tier covers core views, while Plus adds deeper analysis, budgets, forecasts, longer history, and Excel export.
Facts from Finanzguru's own pages
- Account connections
- Finanzguru says users can connect more than 4,000 banks and providers, including checking and savings accounts, crypto exchanges, and investment accounts. · finanzguru.de, 9 Oct 2026
- Account sync
- automatic · integ.finanzguru.de, 23 Sept 2026
- AI assistant
- The AI companion answers questions using actual transactions linked to the user's accounts and can suggest next steps. · finanzguru.de, 9 Oct 2026
- AI features
- Its AI categorizes transactions, identifies recurring contracts, calculates available budgets, and suggests savings opportunities. · finanzguru.de, 9 Oct 2026
- Availability
- The app is available in Germany and Austria for iOS and Android, and its desktop version is currently only in the App Store for Macs with an M chip. · finanzguru.de, 9 Oct 2026
- Bill tracking
- Yes · integ.finanzguru.de, 23 Sept 2026
- Budgeting tools
- Yes · integ.finanzguru.de, 23 Sept 2026
- Company location
- Finanzguru is a registered brand of dwins GmbH, whose listed address is in Frankfurt am Main, Germany. · finanzguru.de, 9 Oct 2026
- Contract management
- Users can review recurring costs and cancel unwanted contracts from the app with one tap. · finanzguru.de, 9 Oct 2026
- Free plan
- Yes · integ.finanzguru.de, 23 Sept 2026
- Headquarters
- Frankfurt am Main, Germany · finanzguru.de, 19 Oct 2026
- Integrations
- The homepage names providers including Bitpanda, C24, Coinbase, Comdirect, Commerzbank, Deutsche Bank, DKB, ING, N26, PayPal, Revolut, Scalable Capital, Sparkasse, and Volksbank. · finanzguru.de, 9 Oct 2026
- Mobile apps
- both · integ.finanzguru.de, 23 Sept 2026
- Net-worth tracking
- Yes · integ.finanzguru.de, 23 Sept 2026
- Notable free-plan limit
- The help center says the free version can show transaction data up to three months into the past. · hilfe.finanzguru.de, 9 Oct 2026
- Product
- Finanzguru describes itself as a digital household budget app for viewing income, spending, accounts, and contracts in one place. · finanzguru.de, 9 Oct 2026
- Regulation
- The dwins GmbH imprint states that the company is a BaFin-regulated payment service provider authorized for account information services. · finanzguru.de, 9 Oct 2026
- Report export
- Yes · integ.finanzguru.de, 23 Sept 2026
- Security
- Finanzguru says data is encrypted and stored in a German data center, with access protected by OAuth2, SSL, firewalls, and two-factor authentication. · finanzguru.de, 9 Oct 2026
- Security testing
- The company says it conducts annual penetration tests and allows users to delete their account and stored data through the app. · finanzguru.de, 9 Oct 2026
- Support
- The imprint directs customers to the help center and lists email and WhatsApp as contact options. · finanzguru.de, 9 Oct 2026
Where Finanzguru stands on Freedom251
- Personal Finance Software#42 of 181