Finanzguru alternative for iPhone: Cashful compared, with no bank login

Finanzguru is a finance and contract manager from dwins GmbH in Frankfurt, available in Germany and Austria. You link your bank accounts once, and the app does the rest: it pulls in transactions, sorts them and looks for contracts and subscriptions. Credit where it's due:

• Automatic overview. Transactions arrive from your linked accounts and are categorized for you, so you don't type anything for card or bank payments.
• Contracts and subscriptions. Finanzguru detects recurring contracts and lets you cancel them from inside the app, even in the free version.
• Many banks. It connects to more than 4,000 banks and providers, including savings accounts, crypto exchanges and brokers. Finanzguru is a BaFin-licensed third-party provider under PSD2.
• A real free version. Linking all accounts, seeing income and expenses, contract detection and in-app cancellation are free for good.
• Loyal users. It holds 4.7 stars from more than 127,000 ratings in the German App Store.

If an automatic picture of every account and contract is what you want, Finanzguru is a strong choice and this page will not talk you out of it.

The reasons usually come down to five things:

• The bank link is mandatory. To use Finanzguru at all you need a current account at a bank in Germany or Austria with online banking. You enter your online-banking login and a TAN in the app, and the access usually has to be renewed with a new TAN about every 90 days. Banks outside the EU and the German-speaking countries are not supported.
• Ads and the business model. The German App Store listing says the app contains ads. Finanzguru's help center states that it is financed exclusively through commissions it receives for successfully brokered contracts, such as electricity, gas or insurance, and that it does not sell data. Some people simply prefer an app that earns nothing from what they sign.
• Limits of the free version. In the free version the transaction history covers the last 3 months. Budgets, forecasts, extended analyses and the Excel export are part of Finanzguru Plus, regularly 0.99 € a week; Finanzguru runs price tests, so some people see a different price.
• Manual entry only for cash. Apart from a cash account, every transaction comes from a linked account, and the help center says uploading receipts is not supported and not planned.
• Devices and language. There is no Apple Watch app, on a Mac it runs as the iPad app on Macs with an M chip, and the app is German-first: its help center gives no timeline for an English version.

If two or more of these sound familiar, a manual money tracker may suit you better. Here is how Cashful compares.

Prices and features as of October 2026, from finanzguru.de, the Finanzguru help center and the German App Store. Finanzguru is a trademark of its owner; Cashful is not affiliated with Finanzguru or dwins GmbH.

Keep Finanzguru if any of these is true for you:

• You want every card and bank payment to appear automatically, without entering anything yourself.
• You want help finding and cancelling forgotten contracts and subscriptions.
• You want savings, brokerage and crypto accounts in the same overview as your current account.
• You use Android.
• You are happy for the app to suggest cheaper electricity, gas or insurance contracts.

Cashful never imports anything from a bank, does not detect contracts and runs only on Apple devices. Switching for any of the reasons above would likely send you back to Finanzguru within a month.

• You don't want to share your banking login. Cashful never connects to a bank, needs no sign-up and shows no ads; its App Store privacy label reads Data Not Linked to You. Records live on your devices and in your own iCloud. Here is why a budget app without bank linking is worth it.
• You want a free Finanzguru alternative. The free plan has no time limit and keeps your full history: unlimited manual entries, income, expenses and transfers, up to 3 accounts and 2 currencies, iCloud sync, widgets, Siri and the Apple Watch app.
• You don't want to type every expense. Say "coffee 4.50 card" or snap a receipt, and Cashful fills in the amount, category and account for you to check. The free plan includes 10 voice entries and 5 receipt scans to try. See how to track expenses by voice on iPhone.
• You pay with your watch on. The free Apple Watch app logs an expense at the checkout by voice, Digital Crown or keypad. Here is how to track expenses on Apple Watch.
• You also use a Mac. Like Finanzguru, Cashful runs on Macs with Apple silicon as the iPad app, and your records sync between iPhone, iPad and Mac through iCloud.
• You live in several currencies or banks abroad. Each account keeps its own currency, with your own exchange rates and transfers between accounts, and it doesn't matter which country your bank is in. The app is available in 13 languages.

One honest note on privacy: when you use voice entry or receipt scanning, the text or photo is sent to Cashful's server to be read by an AI model, and the server does not store it. Your records themselves live on your devices and in your iCloud. If you are still comparing apps in general, start with how to choose a money tracker app for iPhone.

1. Install Cashful from the App Store and keep Finanzguru for a few days while you settle in.
2. Create the accounts you actually pay from, such as your current account, cash and savings, each with its currency and today's balance from Finanzguru or your bank.
3. Decide what to do with your history. Starting from today's balances is the quickest path. If you have past transactions in a CSV file, Cashful Pro can import CSV, and the 7-day trial gives you time to bring them in.
4. Keep only the categories you really use. A few broad ones make the monthly summary easier to read than a copy of every automatic category.
5. For one week, log every expense the moment it happens: say it, snap the receipt or type it. Without a bank feed, this habit is what keeps your overview complete.
6. Once you are confident, cancel Finanzguru Plus wherever you started it, if you have it.

For the bigger picture beyond one app, read how to track your personal finances.