Finanzfluss Copilot
Free sync with 350+ German banks and brokers, from the Finanzfluss team, but no AI despite the name. PLUS €69.99 a year.
Bank sync is free in Finanzfluss Copilot, which few trackers offer: 350+ banks, brokers and crypto exchanges through wealthAPI, a BaFin-licensed aggregator, refreshed twice a day, on the free plan with unlimited portfolios. It comes from Finanzfluss, a large German personal-finance brand, launched in September 2024 and has some 200k users. Returns are TWROR and IRR, each explained in its own help article, and it works out the Vorabpauschale per depot and per ETF. PLUS costs €8.99 a month or €69.99 a year and adds benchmarks and unlimited budgets and watchlists. Despite the name there is no AI anywhere in the product, and the whole app is in German.
Features at a glance
| Feature | Finanzfluss Copilot |
|---|---|
| Pricing | Freemium |
| Tracking & data | |
| Manual entry | Yes |
| CSV / broker import. Import holdings and transactions from broker or exchange CSV files. | Yes |
| Automatic bank/broker sync. Connects to your bank or broker to pull holdings in automatically. | Yes |
| Multi-asset | Yes |
| Multi-currency | Yes |
| Dividend tracking | Yes |
| Dividend/income forecast. Projects future dividend income and shows an income calendar. | Yes |
| Tax reports | Partial |
| Analysis & insights | |
| AI portfolio analysis | Not supported |
| AI asset & market analysis. AI commentary on individual holdings and market context, not just the whole portfolio. | Not supported |
| Portfolio health score. A single score rating diversification, concentration and other portfolio-health signals. | Partial |
| Rebalancing & drift. Shows how far your allocation has drifted from target and how to correct it. | Not supported |
| Goal & time-to-goal | Not supported |
| Custom groupings / tags. Group holdings by your own dimensions (e.g. strategy, theme), not just asset class. | Yes |
| Return method (TWR/MWR). True time-weighted (TWR) and money-weighted (MWR/XIRR) return — not just a simple % change. | Yes |
| Benchmark & alpha. Compare returns against a benchmark, including alpha. | Yes |
| Backtesting & scenarios. Test a portfolio against historical data or run scenario simulations. | Not supported |
| Access & pricing | |
| Free tier | Yes |
| No account linking required. Works without connecting a bank login or aggregator. | Yes |
| Open source | Not supported |
| Self-hostable | Not supported |
| Public API | Not supported |
| Platform & reach | |
| Mobile app | Yes |
| Multi-language | Not supported |
| Community & extras | |
| Public / social portfolios. Share your portfolio publicly and follow other investors. | Yes |
| AI portfolio roast. A shareable AI roast: a frank critique of a portfolio. | Not supported |
Best for
German investors with euro accounts at mainstream German brokers who want spending and investments on one screen and keep an eye on their Freistellungsauftrag. Without German, skip it: there's no other language, help centre included.
Strengths
- Free sync with 350+ banks and brokers, which most rivals charge for
- Vorabpauschale per depot and per ETF, with a Freistellungsauftrag tracker
- TWROR and IRR, plus your own groupings, such as splitting one depot into pension and play money
Trade-offs
- German only, including the help centre, although the App Store lists English
- No AI, rebalancing or goals, despite the name
- Benchmarks need PLUS and a desktop browser, and most data refreshes twice a day
Finanzfluss Copilot vs PortfolioGlance
Free bank sync and German tax handling belong to Copilot, and we have neither. On returns it's even: TWROR and IRR there, TWR and MWR here. We add rebalancing against your targets, goal projection and an AI assistant, and we work in English, Polish and Turkish. If you live in Germany and want your depots to update themselves for free, take Copilot.
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Alternatives and rankings
This is our editorial review, not financial advice. Features and prices may have changed since we checked, so see the official site for the latest.