Finanzguru vs Wallet by BudgetBakers
Finanzguru
finanzguru.deWallet by BudgetBakers
web.budgetbakers.comSide by side
| Figure | Finanzguru | Wallet by BudgetBakers |
|---|---|---|
| Price from | €0.99/mo | Free |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | — | Yes |
| macOS | Yes | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 3 | 4 |
| Spec score · Personal Finance Software | 8.7 (#22) | 8.8 (#10) |
| Account sync | automatic | both |
| Bill tracking | Yes | Yes |
| Budgeting tools | Yes | Yes |
| Free plan | Yes | Yes |
| Headquarters | Frankfurt am Main, Germany | Prague, Czech Republic |
| Integrations | The homepage names providers including Bitpanda, C24, Coinbase, Comdirect, Commerzbank, Deutsche Bank, DKB, ING, N26, PayPal, Revolut, Scalable Capital, Sparkasse, and Volksbank. | Wallet offers MCP connections for AI assistants and a REST API for tools such as Excel and Power BI. |
| Mobile apps | both | both |
| Net-worth tracking | Yes | Yes |
| Product | Finanzguru describes itself as a digital household budget app for viewing income, spending, accounts, and contracts in one place. | Wallet is a personal finance tracking and budgeting tool, not a bank; it does not send payments, withdraw cash, or hold funds. |
| Report export | Yes | Yes |
| Security | Finanzguru says data is encrypted and stored in a German data center, with access protected by OAuth2, SSL, firewalls, and two-factor authentication. | BudgetBakers states it is ISO 27001 certified, PCI DSS compliant, and PSD2 licensed, and that bank access is read-only. |
| Support | The imprint directs customers to the help center and lists email and WhatsApp as contact options. | The download page lists priority support among Wallet's stated benefits. |
Plans
Wallet by BudgetBakers
- FreeFree
- Premium LifetimePrice not published
- Premium MonthlyPrice not published
- Premium YearlyPrice not published
In their own words
Finanzguru
Finanzguru has no write-up on Specifiction yet; its figures are above.
Wallet by BudgetBakers
Wallet by BudgetBakers is a personal finance tracking and budgeting tool for Android, iOS, and web. It is not a bank and does not hold funds, send payments, or withdraw cash. Users can set category spending limits, receive overspending alerts, use AI-powered category assignment, and choose among multiple budget types. Wallet says it connects to over 15,000 financial institutions for transaction syncing and balance updates. It supports multiple currencies with automatic exchange-rate calculations, and imports historical records in CSV, XLS, or OFX formats. The mobile app lists real-time notifications, quick expense entry, receipt scanning, and offline mode. The web app lists analytics, bulk operations, report export, and multi-tab support. Premium includes Group Sharing for household expenses and savings goals, with control over shared accounts; its REST API provides access to transactions, accounts, budgets, and goals. BudgetBakers says bank access is read-only, and describes GDPR compliance and a right to data deletion. Wallet has a free plan, and a free trial is listed.