Many consumers struggle to keep track of multiple bank accounts, recurring contracts, and spending patterns, leading to missed savings opportunities, unnoticed subscription costs, and difficulty managing personal finances efficiently.

Finanzguru offers a single mobile app that aggregates all of a user's bank accounts, credit cards, and contracts into one secure dashboard. Transactions are automatically categorized and visualized, while recurring fixed costs are identified in a contract overview. The app enables users to terminate unwanted subscriptions with a single tap, set and monitor smart budgets, and assess insurance needs quickly. A built-in “Sparbooster” feature provides personalized cashback vouchers that match the user’s spending habits, with points redeemable via a browser extension or directly in the app. All data are stored encrypted in a German data center and protected by multi‑factor authentication, ensuring privacy while delivering actionable financial insights.

Automatic connection to all bank accounts and credit cards via secure APIs

Real‑time transaction categorization and visual spending analysis

Contract detection with a clear overview of monthly fixed expenses

One‑tap contract cancellation directly from the app

Smart budgeting tools with alerts for overspending

Insurance need assessment based on user profile

Sparbooster cashback system offering personalized vouchers and real‑time balance transfers

Biometric and PIN protection plus AES‑256 encryption in a PCI‑DSS‑compliant German data center

Finanzguru targets individual consumers in Germany who want to consolidate their financial accounts, monitor spending, and simplify contract management, including busy professionals and families seeking automated budgeting tools.