Side by side
Finanzguru vs Havoro
Both stand on personal finance software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free plan AndroidiPhoneMac
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.
Visit Finanzguru Free plan LinuxSelf-hostedWeb+1
Havoro focuses on local personal-finance management using bank exports rather than connected accounts. Its free plan and self-hosting options suit privacy-focused users who accept manual imports and community support.
Visit HavoroThe facts
| Finanzguru | Havoro | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | Not published |
| Runs on | Android, iPhone, Mac | Linux, Self-hosted, Web, Windows |
| Lowest paid plan | Finanzguru Plus: €0.99 a month | Free or on request |
| Plans published | 3 | 1 |
| Maker | Finanzguru | Not published |
| Website | finanzguru.de | havoro.app |
| On personal finance software | #42 of 181 | #46 of 181 |
Finanzguru: 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
Havoro: what it does well
- Runs on web, Windows, Linux, and self-hosted setups
- Requires no bank login
- Tracks budgets, goals, and net worth
- Keeps financial data on your hardware
- Automatically retains 30 days of backups
What to know first
- Account syncing is manual
- iPhone app is still in development
- Support is community-based
- No dedicated support service
Alternatives to Finanzguru Alternatives to Havoro The whole list