vokse vs Finanzguru
Finanzguru shows where it went.
vokse decides where it goes.
Finanzguru is a digital household book: it mirrors your German or Austrian bank accounts and answers questions about them. vokse is a zero-based budget with an assistant that works it with you, 41 currencies, a household with roles, files from any bank, and one plan with everything in it. Every row below is dated and checkable on Finanzguru's own site.
Connect your bank or import your history. Every transaction categorised, every envelope up to date.
The short answer
Is vokse a good Finanzguru alternative?
Yes, if you want a budget rather than a household book. vokse is a Finanzguru alternative with zero-based envelopes, an assistant that works them on audited tools, 41 currencies, a household with roles, and CSV or OFX files from any bank. Budgets, forecast, full history and export sit in vokse's one plan, with a free trial and no card.
- Envelopes in vokse, a household book in Finanzguru
- Works the budget in vokse, answers questions in Finanzguru
- CSV, OFX, JSON and YNAB in vokse, none in Finanzguru
- Owner, editor and viewer in vokse, one login in Finanzguru
- 41 in vokse, not stated on Finanzguru's site
vokse and Finanzguru, row by row.
Cut from the same table as the comparison overview, so the two pages can never disagree. Every Finanzguru cell is dated and taken from finanzguru.de or its help centre.
Price
- vokse
- $14.99/mo, one plan, free for the first 34 days
- Finanzguru
- The base app is free and Finanzguru Plus costs 0,99 € per week; no monthly or yearly price is published.
Budgeting method
- vokse
- Envelopes, zero-based
- Finanzguru
- A bank-synced digital household book with automatic categories; per-category budgets need Plus.
Bank connections
- vokse
- 9,976 banks in 2 countries, read-only
- Finanzguru
- Over 4,000 German and Austrian banks and providers via PSD2 and FinTS, refreshed three times a day.
More than one currency
- vokse
- 41 currencies, each at its own day's rate
- Finanzguru
- Not stated on their site; no page mentions foreign-currency accounts or conversion.
Assistant
- vokse
- Built in: ask anything about your money, on the same audited tools as the app
- Finanzguru
- A built-in KI-Begleiter chat answers questions about the user's own bookings inside the app.
Claude and ChatGPT
- vokse
- Built in, read only or allowed to act, per household
- Finanzguru
- Not stated on their site; no Claude, ChatGPT or MCP integration is mentioned anywhere.
Your own tools
- vokse
- Keys with the permissions you choose
- Finanzguru
- Not stated on their site; no public or developer API is mentioned on the site or in the help centre.
Bringing your data in
- vokse
- Files from your bank, or a whole YNAB budget
- Finanzguru
- Importing outside data is explicitly not possible; data arrives by bank sync or manual entry only.
Sharing it
- vokse
- Owner, editor and viewer, every change recorded
- Finanzguru
- No household, members or roles; sharing means using one login on another person's device.
Forecasting
- vokse
- Next month, from six months of your history
- Finanzguru
- Plus includes a Prognose of tomorrow's or next week's balance built from detected contracts.
Where your data lives
- vokse
- The European Union
- Finanzguru
- Data is stored AES-encrypted in a Frankfurt data centre; push and support run through US providers.
Leaving
- vokse
- Everything in one file, deleted 30 days after you ask
- Finanzguru
- Export needs Plus: one Excel file of all bookings, with depot and wallet transactions left out.
Running it yourself
- vokse
- No
- Finanzguru
- Not stated on their site; offered only as an iOS and Android app for Germany and Austria.
Competitor columns, prices included, read off their own sites on September 13, 2026; prices are in US dollars and can change, so check their pricing pages before you decide.
Why vokse is the Finanzguru alternative worth switching to.
Each one answers something Finanzguru sells, or fills something it leaves out, with a vokse fact you can check.
A budget, not a household book
Finanzguru records what your bank did and, with Plus, caps a category or shows tomorrow's balance. vokse plans the month before it starts: every euro assigned to an envelope, money moved between them when plans change, and a forecast of next month's low point from six months of your history.
An assistant that does the work
Finanzguru's KI-Begleiter answers questions about your bookings. vokse's assistant categorises, moves money between envelopes and tells you what is left, on the same audited tools as the app: every step logged, anything it cannot undo waits for your confirmation. It also reads receipts from the camera and turns voice notes into draft transactions.
One plan, no second tier
In Finanzguru, budgets, the forecast, full history and export need Plus at 0,99 € per week, and its help centre says the price you are shown can differ because of pricing tests. vokse has one plan with every feature, a free trial, and no card to start.
Files from any bank, and your YNAB budget
Finanzguru states that importing outside data is not possible, and its bank list stops at Germany and Austria. vokse imports CSV, OFX and JSON from any bank in any country, brings a whole YNAB budget across in one go, connects US and Canadian banks today, and adds European banks next.
A household with roles, and undo
Finanzguru's way to share is one login on another person's device. vokse gives each person a role, owner, editor or viewer, records every change with who made it, and lets you undo and redo. Finanzguru's only documented rollback is resetting the whole account.
Claude, ChatGPT and a public API
Not stated on Finanzguru's site. vokse runs a remote MCP server with OAuth: paste one URL into Claude, ChatGPT or any MCP client and work your budget from there, with a grant that only reads or with permission to act. A public REST API covers everything else.
Switching from Finanzguru, in three steps.
Finanzguru's export needs a Plus subscription and produces one Excel file that leaves depot and wallet transactions out. Your bank's own CSV or OFX export is the cleaner path, and vokse imports it directly.
Export from your bank, or from Finanzguru Plus
Your online banking exports CSV or OFX per account, and vokse reads both. If you pay for Plus, the profile icon in Finanzguru offers Buchungen exportieren, one Excel file of all bookings; save it as CSV before importing.
Import and let the assistant categorise
Drop the files into vokse. The assistant categorises the rows, rules keep the next import in line, and every change is recorded in the undo history.
Give this month's money a job
Assign what you have to envelopes, set a goal or two, and let the forecast read your history as it fills in. Keep importing files each month; European bank connections come next.
Questions people ask before switching
Other comparisons
- vokse vs YNABThe same envelope method, an assistant on top, and your YNAB budget imported in one go.
- vokse vs PocketSmithEnvelopes instead of a projection, an assistant built in, and your PocketSmith transactions imported from CSV.
- vokse vs Actual BudgetEnvelopes in both. Actual is free and self-hosted; vokse is hosted for you, with an assistant, bank sync and 41 currencies.
Bring your bank's files and start the month with a plan.
Start the free trial, import CSV or OFX from your bank, and let the assistant categorise while you build the first envelopes. No card to start, one plan with everything in it.