# Finanzfluss Copilot incelemesi ({year}) — özellikler, fiyat ve alternatifler | PortfolioGlance

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**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.

- Fiyatlandırma: Freemium
- Category: Portföy takip uygulamaları
- Official site: https://www.finanzfluss.de/copilot/

**Kimler için:** 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.

## Artıları

- 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

## Eksileri

- 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.

## Özelliklere hızlı bakış

| Feature | Finanzfluss Copilot |
| --- | --- |
| Fiyatlandırma | Freemium |

### Takip ve veri

| Feature | Finanzfluss Copilot |
| --- | --- |
| Elle giriş | Var |
| CSV / aracı kurum içe aktarma | Var |
| Otomatik banka/aracı kurum senkronu | Var |
| Çoklu varlık | Var |
| Çoklu para birimi | Var |
| Temettü takibi | Var |
| Temettü/gelir tahmini | Var |
| Vergi raporları | Kısmen |

### Analiz ve içgörüler

| Feature | Finanzfluss Copilot |
| --- | --- |
| Yapay zeka portföy analizi | Desteklenmiyor |
| Yapay zeka varlık ve piyasa analizi | Desteklenmiyor |
| Portföy sağlık puanı | Kısmen |
| Yeniden dengeleme ve sapma | Desteklenmiyor |
| Hedef ve hedefe kalan süre | Desteklenmiyor |
| Özel gruplar / etiketler | Var |
| Getiri yöntemi (TWR/MWR) | Var |
| Endeks karşılaştırması ve alfa | Var |
| Backtest ve senaryolar | Desteklenmiyor |

### Erişim ve fiyat

| Feature | Finanzfluss Copilot |
| --- | --- |
| Ücretsiz plan | Var |
| Hesap bağlamak gerekmez | Var |
| Açık kaynak | Desteklenmiyor |
| Kendi sunucuna kurulabilir | Desteklenmiyor |
| Herkese açık API | Desteklenmiyor |

### Platform ve kapsam

| Feature | Finanzfluss Copilot |
| --- | --- |
| Mobil uygulama | Var |
| Çok dilli | Desteklenmiyor |

### Topluluk ve ekstralar

| Feature | Finanzfluss Copilot |
| --- | --- |
| Herkese açık / sosyal portföyler | Var |
| Yapay zeka portföy roast'ı | Desteklenmiyor |

Doğrulama: 2026-07-21
Kaynaklar:
- 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

## Popüler karşılaştırmalar

- Finanzfluss Copilot vs PortfolioGlance — https://www.portfolioglance.com/investing-apps/finanzfluss-copilot-vs-portfolioglance.md
- Finanzfluss Copilot vs getquin — https://www.portfolioglance.com/investing-apps/finanzfluss-copilot-vs-getquin.md
- Finanzfluss Copilot vs Parqet — https://www.portfolioglance.com/investing-apps/finanzfluss-copilot-vs-parqet.md
- extraETF vs Finanzfluss Copilot — https://www.portfolioglance.com/investing-apps/extraetf-vs-finanzfluss-copilot.md

*Bu yazı editoryal bir genel bakıştır ve yalnızca bilgi amaçlıdır; yatırım tavsiyesi ya da öneri değildir. Özellikler ve fiyatlar yayından sonra değişmiş olabilir; güncel bilgi için resmi siteye bak.*