Finanzguru
7.8#23 in personal finance softwareFrom €0.99 a monthFree planAndroidiOSmacOS
VisitFinanzguru vs YNAB
What both publish
| Fact | Finanzguru | YNAB |
|---|---|---|
| Account sync | automatic | both |
| Bill tracking | Yes | Yes |
| Budgeting tools | Yes | Yes |
| Free plan | Yes | No |
| Headquarters | Frankfurt am Main, Germany | Lehi, Utah, USA |
| Integrations | The homepage names providers including Bitpanda, C24, Coinbase, Comdirect, Commerzbank, Deutsche Bank, DKB, ING, N26, PayPal, Revolut, Scalable Capital, Sparkasse, and Volksbank. | YNAB provides a REST JSON API over HTTPS, and its Zapier integration connects YNAB with more than 1,500 apps. |
| Mobile apps | both | both |
| Net-worth tracking | Yes | Yes |
| Report export | Yes | Yes |
| Security | Finanzguru says data is encrypted and stored in a German data center, with access protected by OAuth2, SSL, firewalls, and two-factor authentication. | YNAB uses encryption in transit and at rest, restricted monitored access, code scanning, and infrastructure testing. |
Finanzguru plans
- FreeFree
- Finanzguru Plus€0.99 a month
- Finanzguru (free)Free
YNAB plans
- Monthly Plan$14.99 a month
- Annual Plan$109 a year
- College ProgramFree
- Free TrialFree
Pick Finanzguru if…
You want what its maker publishes above — check its page for the details.
Pick YNAB if…
YNAB suits people who want a structured spending plan, savings targets, reports, or help planning debt payments. It may also work for households sharing one subscription, with up to six people supported.