# extraETF vs Finanzfluss Copilot

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A side-by-side feature comparison. Details like pricing change — check each tool's official site.

| Feature | extraETF | Finanzfluss Copilot |
| --- | --- | --- |
| Pricing | Freemium | Freemium |

### Tracking & data

| Feature | extraETF | Finanzfluss Copilot |
| --- | --- | --- |
| Manual entry | Yes | Yes |
| CSV / broker import | Yes | Yes |
| Automatic bank/broker sync | Yes | Yes |
| Multi-asset | Yes | Yes |
| Multi-currency | Yes | Yes |
| Dividend tracking | Yes | Yes |
| Dividend/income forecast | Yes | Yes |
| Tax reports | Not supported | Partial |

### Analysis & insights

| Feature | extraETF | Finanzfluss Copilot |
| --- | --- | --- |
| AI portfolio analysis | Not supported | Not supported |
| AI asset & market analysis | Not supported | Not supported |
| Portfolio health score | Partial | Partial |
| Rebalancing & drift | Yes | Not supported |
| Goal & time-to-goal | Not supported | Not supported |
| Custom groupings / tags | Not supported | Yes |
| Return method (TWR/MWR) | Yes | Yes |
| Benchmark & alpha | Yes | Yes |
| Backtesting & scenarios | Not supported | Not supported |

### Access & pricing

| Feature | extraETF | Finanzfluss Copilot |
| --- | --- | --- |
| Free tier | Yes | Yes |
| No account linking required | Yes | Yes |
| Open source | Not supported | Not supported |
| Self-hostable | Not supported | Not supported |
| Public API | Not supported | Not supported |

### Platform & reach

| Feature | extraETF | Finanzfluss Copilot |
| --- | --- | --- |
| Mobile app | Yes | Yes |
| Multi-language | Not supported | Not supported |

### Community & extras

| Feature | extraETF | Finanzfluss Copilot |
| --- | --- | --- |
| Public / social portfolios | Yes | Yes |
| AI portfolio review | Not supported | Not supported |

## extraETF

**German ETF portal's transaction-based portfolio tracker with time- and money-weighted returns, rebalancing and bank auto-sync.**

**Best for:** German-speaking ETF and stock investors who want serious performance analytics — real TWR and MWR, rebalancing and a dividend forecast — and are fine with a German-only interface.

Strengths:
- Both time-weighted (TWROR) and money-weighted (IRR) returns
- Rebalancing against target allocations
- Dividend calendar and expected-income forecast
- Bank and broker auto-sync, plus PDF and CSV import
- Free tier that tracks a real portfolio

Trade-offs:
- Interface is German-only
- No AI analysis
- No native tax report
- CSV import, rebalancing and dividend forecast are paid-only
- No goal projection, custom tags or backtesting

Verified 2026-07-13
Sources:
- extraETF — Finanzmanager (official product page) — https://extraetf.com/de/service/finanzmanager
- extraETF — Angebot & Kosten (live pricing/feature matrix) — https://extraetf.com/de/offer/overview
- extraETF — Portfolioanalyse (benchmark, analytics) — https://extraetf.com/de/lp/fm-portfolioanalyse
- extraETF — Help: Internal Rate of Return (TWROR + IRR) — https://support.extraetf.com/hc/de/articles/15106110281244
- extraETF — Help: connect banks/brokers (auto-sync) — https://support.extraetf.com/hc/de/articles/360011523000
- extraETF — Apple App Store listing — https://apps.apple.com/de/app/extraetf-etf-aktien-fonds/id1541661546

- Official site: https://extraetf.com/de/service/finanzmanager
- Markdown profile: https://www.portfolioglance.com/investing-apps/extraetf.md

## Finanzfluss Copilot

**German portfolio tracker and net-worth app from the Finanzfluss media brand, with free 350+ broker auto-sync.**

**Best for:** German retail investors with EUR-denominated depots at mainstream German brokers who want one screen for investments and spending, and who care about German tax mechanics like Vorabpauschale and the Freistellungsauftrag allowance.

Strengths:
- Free tier includes full broker auto-sync for 350+ providers — most rivals paywall aggregation
- Both TWROR and IRR are first-class, each with its own explainer, plus an inflation-adjusted "Realrendite"
- Vorabpauschale is pre-computed per depot and per individual ETF, alongside a Freistellungsauftrag allowance tracker
- ETF look-through that decomposes funds, combined with user-defined tags on holdings
- Public read-only shareable dashboard with percent-only masking, and a large organically-acquired user base

Trade-offs:
- German-only interface — no language switcher, German-only help centre
- No AI whatsoever, despite the name "Copilot"
- No goals, no rebalancing, no target allocation, no scenario simulation
- No composite health score — diversification breakdowns only
- Benchmarking is PLUS-only and desktop-only, and most data refreshes only twice daily

Verified 2026-07-21
Sources:
- Finanzfluss Copilot — official landing — https://www.finanzfluss.de/copilot/
- Finanzfluss Copilot — Preise (free "Dauerhaft kostenlos", PLUS €69.99/yr) — https://www.finanzfluss.de/copilot/preise/
- Help — Zeitgewichtete Rendite (TWROR) — https://www.finanzfluss.de/copilot/hilfe/zeitgewichtete-rendite/
- Help — Vorabpauschale (auto-computed per depot/ETF, not filing-ready) — https://www.finanzfluss.de/copilot/hilfe/vorabpauschale/
- iTunes Lookup API (id 6482296545) — ratings, version, German UI — https://itunes.apple.com/lookup?id=6482296545&country=de

- Official site: https://www.finanzfluss.de/copilot/
- Markdown profile: https://www.portfolioglance.com/investing-apps/finanzfluss-copilot.md

*This overview is editorial and for information only — not financial advice or an endorsement. Features and pricing may have changed since publication; check the official site for the latest details.*