Untilfree vs Finzen
A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.
Untilfree compared with Finzen
| Detail | 
Untilfree | 
Finzen |
|---|
| What it does | Your financial freedom day, counted down every midnight
| The all-in-one personal finance dashboard combining envelope budgeting, expense tracking, and portfolio management
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| Stage | Not given
| MVP
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| Founded | Not given
| 2020
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| Based in | Not given
| DE
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| Pricing model | Freemium
| Free trial
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| Pricing | Free with ads. Plus plan available yearly with free trial or one-time purchase option; price shown in app store.
| Free during open beta. Full release will be subscription-based with price TBD. Beta users will receive a discount.
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| Key features | - Calculate financial freedom date from four inputs: age, savings, monthly investment, monthly spending
- Three scenario dates: cautious, base, and optimistic
- 4% withdrawal rate by default or custom dividend yield input
- Price it tool to show impact of purchases on freedom date
- Home screen and lock screen countdown widgets
- 5% annual savings growth calculation after inflation
- No account or bank linking required
- Unlimited Price it and What if tools with Plus plan
| - 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
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| What makes it different | - Countdown widget shows days to financial freedom on home screen and lock screen
- All data stays on your phone with no account or server required
- Price it feature shows how purchases delay your freedom date in real time
- Three estimate scenarios provided alongside the primary freedom date
| - 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
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 1 ● no change since last check | 16 ● no change since last check |
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| Trust Flow (Majestic) | 1 | 11 |
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| Citation Flow (Majestic) | 8 | 20 |
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| Referring domains (Majestic) | 4 | 16 |
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5 details filled in for both companies.
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