Finzen vs Money Actually
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 Money Actually
| Detail | 
Finzen | 
Money Actually |
|---|
| What it does | The all-in-one personal finance dashboard combining envelope budgeting, expense tracking, and portfolio management
| Budget, net worth, and profit tracking from your real accounts
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| Stage | MVP
| Not given
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| Founded | 2020
| Not given
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| Based in | DE
| US
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| Pricing model | Free trial
| Free trial
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| Pricing | Free during open beta. Full release will be subscription-based with price TBD. Beta users will receive a discount.
| 7-day free trial, no card needed. Then $6.99 USD per month or $59.99 USD per year, billed once.
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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 up to 5 banks with every account at each
- Unlimited manual accounts, cars and properties
- Budgets with pace tracking for the month
- Transaction categories with rules that stick
- Automatically detect recurring charges
- Profit reports per car, rental or client ranked by earnings
- Break-even and monthly cost tracking for each asset
- Business-use percentage for mixed use vehicles
- Export data as CSV for tax preparation
- Two-factor sign-in and device management
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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
| - Shows real figures from actual accounts, not estimates or projections
- Profit tracking per car, rental or client that stays with your money accounts
- Read-only access prevents any money transfers
- Bank password never touches the servers
- Price locked for life as long as you stay subscribed
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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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6 details filled in for both companies.
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