Finanzfluss Copilot
Free Berlin app that links 350+ providers and keeps data on German servers
At a glance
| Company | Finflow GmbH |
|---|---|
| Category | Investment Portfolio Trackers |
| Headquarters | Berlin, Germany |
| Founded | Not stated |
| EU Presence | Yes - Germany (EU) |
| Data Location | Germany (page: data kept encrypted on German servers) |
| Open Source | No |
| GDPR Compliant | Yes |
| Self-Hosting | No |
| Main Features | Automatic import from 350+ providers, unlimited portfolios, digital household book, dividend calendar, performance comparison, CSV export |
| Pricing | Free 0 EUR a month; Copilot PLUS 5,83 EUR a month with annual billing of 69,99 EUR (7 days free trial) |
| Best For | German-speaking users who want accounts, depots and spending in one free app |
| Replaces | Empower (Personal Capital) |
Full review
Finanzfluss Copilot is a wealth and budget tracker from Finflow GmbH, Ritterstraße 12-14, 10969 Berlin. The imprint lists Amtsgericht Charlottenburg HRB 205371 B and managing directors Arno Krieger and Thomas Kehl.
Finanzfluss Copilot says more than 100,000 people use it. The product page is in German, and the pricing page is in German as well.
Accounts, depots and budget in Finanzfluss Copilot
Finanzfluss Copilot links depots, current accounts and credit cards, with interfaces to more than 350 providers. Assets can also be added by PDF import or manual entry.
Finanzfluss Copilot tracks shares, ETFs, funds, crypto, real estate and commodities. It also categorises spending in a digital household book.
Hosting and data handling stated by Finanzfluss Copilot
Finanzfluss Copilot states that data is kept encrypted on German servers and is never sold or passed on for marketing. For data import it names a BaFin-regulated partner.
That is a more specific hosting statement than most trackers in this list make.
Finanzfluss Copilot against Empower
Finanzfluss Copilot covers the net worth and spending parts of Empower's free dashboard at EUR 0. The Free plan limits budgets to one and watchlists to one, while PLUS removes those limits at 5,83 EUR a month on annual billing.
Finanzfluss Copilot has no retirement planner on the pages we read.
Points against
Finanzfluss Copilot is aimed at the German market and the pages we read are in German, with provider coverage described as 350+. The Free plan allows one budget and one watchlist. No retirement planner or advisory service appears on the pages we read. For multi-currency use, see Parqet, which lists 40+ currencies.
Is Finanzfluss Copilot right for you?
German-speaking savers who want one free app for depots, accounts and budget, with data on German servers.
What works, what does not
Pros
- Permanently free plan with unlimited portfolios
- Stated storage on German servers
- Automatic import for 350+ providers
- Dividend calendar and CSV export in the free plan
- Imprint with register number and managing directors
Cons
- Free plan limits budgets and watchlists to one
- Pages we read are in German
- No retirement planner seen on the pages we read
- Advanced analysis needs PLUS
Pros and Cons
Pros
- Permanently free plan with unlimited portfolios
- Stated storage on German servers
- Automatic import for 350+ providers
- Dividend calendar and CSV export in the free plan
- Imprint with register number and managing directors
Cons
- Free plan limits budgets and watchlists to one
- Pages we read are in German
- No retirement planner seen on the pages we read
- Advanced analysis needs PLUS
Alternatives to Finanzfluss Copilot
Alternatives from Europe in the investment portfolio trackers group:
See all European investment portfolio trackers or compare them directly against Empower (Personal Capital) on our alternatives page.
Common questions
Yes. The Free plan costs 0 EUR a month and is described as permanently free. Copilot PLUS costs 5,83 EUR a month on annual billing of 69,99 EUR, with a 7 day trial.
Finanzfluss Copilot states that data is kept encrypted on German servers and is never sold or used for marketing.
It covers net worth, accounts, depots and spending for European users via Finflow GmbH in Berlin. Empower is a US company in Colorado.