Comparison
Finanzguru alternativewithout bank access.
Finanzguru is Europe's top-grossing budgeting app, built to read your bank accounts automatically. Fixum Budget takes the other route: you enter your fixed costs yourself, with no bank access at all, and your data stays hosted in Frankfurt.
Diese Seite auf Deutsch lesenWhy people look for a Finanzguru alternative
Bank access is mandatory
Finanzguru needs your bank credentials; the bank connection is the core of the app. Fixum asks for no bank access at all: you enter your fixed costs yourself, and your bank login stays with your bank.
The Plus tier costs extra
Finanzguru's Plus tier costs about EUR 9 a month (as of July 2026). Fixum is still pre-launch: the demo is free, and pricing for the finished version is not set yet.
Bank-linked apps ask for a lot of trust
Bank-linked apps ask for a lot of trust, because income and expenses reveal a lot about your life. German tech press (t3n, November 2025) increasingly recommends alternatives without data sharing: that is exactly what Fixum offers, because it needs no bank access at all.
Fixum compared
How Fixum compares to Finanzguru, YNAB, and Actual Budget on price, data location, bank login, self-hosting, and household sharing.
| Fixum | Finanzguru | YNAB | Actual Budget | |
|---|---|---|---|---|
| Price | Free during beta | Plus about EUR 9 a month | $109 a year | Self-hosted EUR 0, managed about $1.50 a month |
| Data location | Frankfurt am Main, EU | - | USA | Your own server |
| Bank login required? | Never. Your login stays with your bank | Yes, bank sync is the core of the app | Optional, via Plaid | Optional, self-configured |
| Self-host? | No, hosted service | No, app | No, web service | Yes: install and keep it updated, or managed for about $1.50 a month |
| Household | Built in: everyone sees the same numbers | - | YNAB Together: share the subscription with up to 5 people | - |
Finanzguru, YNAB, and Actual Budget figures: prices as of July 2026, YNAB details as of June 2026, no guarantee.
What Fixum does instead
You enter what comes back regularly: rent, insurance, subscriptions, in any cadence. Fixum converts everything to a monthly figure and shows two numbers: what you can safely spend this month, and how much to set aside for upcoming bills.
- Yearly and quarterly bills are spread into monthly slices automatically.
- One real savings account, a virtual reserve per upcoming bill, no bank access needed.
- The whole household sees the same numbers.
When Finanzguru fits you better
An honest comparison cuts both ways. Finanzguru is the better choice if:
- you want automatic bank import that captures every transaction without manual entry.
- you want automatic contract detection that finds your running subscriptions and contracts on its own.
- you prefer an established app with a wide feature set; Finanzguru is Europe's top-grossing budgeting app (as of 2025).
Questions when switching
Why does Fixum not ask for bank access?
Because your bank login is sensitive. Fixum deliberately skips it: you enter your fixed costs once, and Fixum handles the rest.
How does Fixum track recurring costs without bank import?
You enter rent, insurance, and subscriptions once, with an amount and a frequency. Fixum converts everything to a monthly figure, with no account access at all.
What does Fixum cost compared to Finanzguru Plus?
Finanzguru Plus costs about EUR 9 a month (as of July 2026). Fixum is still pre-launch: the demo is free, and pricing for the finished version is not set yet.
Do I need an account to try it?
No. The demo starts without sign-up, uses sample data, and deletes itself after 24 hours.
See it yourself in two minutes
Start the demo without an account. If it fits your household, register and start with real numbers.