Finanzfluss Copilot
German portfolio tracker and net-worth app from the Finanzfluss media brand, with free 350+ broker auto-sync.
Finanzfluss Copilot is a German portfolio tracker and net-worth app built by Finanzfluss, Germany's largest personal-finance media brand, and launched in September 2024. It auto-connects 350+ banks, brokers and crypto exchanges through the BaFin-licensed aggregator wealthAPI, then layers on TWROR/IRR performance analysis, a dividend calendar, ETF look-through and a household-budgeting module. It is free at the core — auto-sync and unlimited portfolios are included at €0 — with a €69.99/year PLUS tier that mainly unlocks benchmarking, unlimited budgets and unlimited watchlists. Despite the name, it contains no AI.
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 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
Finanzfluss Copilot vs PortfolioGlance
Finanzfluss Copilot is a strong German tracker and beats us where it counts locally: free auto-sync across 350+ European institutions, and a German tax layer (Vorabpauschale, Freistellungsauftrag) we do not match. On return method it is a draw — it reports both TWROR and IRR, as we report TWR and MWR. But it is German-only in interface and European-broker-bound, so a non-German-speaking investor simply cannot use it; and despite its name it has no AI, no health score, no rebalancing and no goal projection — it tells you precisely what happened and never what to do about it. PortfolioGlance is multi-language and multi-market, adds AI analysis, a health score, rebalancing and goal projection, and treats no account linking as a feature rather than the whole value chain. A German investor who wants free bank sync and native tax handling is well served by Copilot; reach beyond Germany and a decision layer on top come with PortfolioGlance.
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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.