Finzen vs Back to the Points
A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.
Finzen compared with Back to the Points
| Detail | 
Finzen | 
Back to the Points |
|---|
| What it does | The all-in-one personal finance dashboard combining envelope budgeting, expense tracking, and portfolio management
| Track, value and redeem credit card rewards, airline miles and hotel points in one place
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| Stage | MVP
| MVP
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| Founded | 2020
| Not given
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| Based in | DE
| IN
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| Pricing model | Free trial
| Free
|
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| Pricing | Free during open beta. Full release will be subscription-based with price TBD. Beta users will receive a discount.
| Free during early access
|
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| Key features | - Envelope-based budgeting with real-time category tracking
- Multi-asset portfolio tracking including stocks, ETFs, crypto, commodities, and forex
- Visual reports and Sankey diagrams showing spending flows
- Real-time net worth and portfolio performance tracking
- Annualized performance and wealth projections
- Manual transaction entry with no bank connections required
- AES-256 encryption with zero-knowledge architecture
- EU server hosting under GDPR compliance
- CSV import for portfolio positions
- Desktop and mobile access
| - Connect multiple credit cards and loyalty programs securely without storing passwords
- Alerts before loyalty points and miles expire
- Best card recommendation based on which card earns most for a purchase
- Bank-grade encryption for secure connection
- Read-only access to loyalty data without storing card details
- Calculate point valuations based on real achievable redemptions across programs
- Support for major Indian credit card issuers including HDFC, Axis, ICICI, SBI and American Express
- Support for major airline and hotel programs including Air India, Singapore Airlines, Marriott and Hilton
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| What makes it different | - Manual entry by design creates financial awareness and spending habits, unlike automated bank-syncing apps
- Combines budgeting and investing in a single app, providing complete net worth view across cash and all assets
- Zero-knowledge encryption and EU hosting unlike US-based competitors relying on third-party aggregators
- Built by a single developer with no shareholders or exit strategy, focused on quality over growth metrics
- Privacy by design with technically impossible data sales due to encryption
| - Consolidated view of scattered loyalty points across multiple cards and programs in one dashboard
- AI-powered recommendations on which card to use before you spend to earn maximum value
- Personalized comparison of redemption options to avoid wasting points on low-value exchanges
- AI wallet that understands your rewards and recommends what to do with them, not just tracking
- Shows exact point costs before booking flights, hotels and upgrades directly through the app
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 16 ● no change since last check | Not checked yet ● no change since last check |
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| Trust Flow (Majestic) | 11 | 0 |
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| Citation Flow (Majestic) | 20 | 0 |
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| Referring domains (Majestic) | 16 | 0 |
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7 details filled in for both companies.
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