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Finanzfluss Copilot

FINANCE
Velocity5.0

Personal finance and investing assistant for tracking portfolios and money decisions.

www.finanzfluss.de ↗

Finanzfluss Copilot adds a Riester vs. pension-depot calculator that feeds its broker comparison.

personal-financeretirement-planningbroker-comparisonportfolio-trackingcalculators
◆Current state
Finanzfluss Copilot is a German portfolio and budgeting tracker. Its newest feature is a calculator comparing a Riester contract with the new Altersvorsorgedepot at the same annual savings, showing wealth at retirement and net monthly payout, with a button straight into the depot comparison. September's burst brought a retrained categorization model, AI document import from PDFs, CSVs and images, and redesigned transaction lists.
◆Where it's heading
The product is adding decision tools that route users toward broker comparison, after October's ETF savings-plan and custody filters. The tracking side kept improving through import and categorization work, while the newer releases build out a funnel from planning to choosing a broker.
◆Prediction
More pension and savings-plan comparison tools tied to the broker comparison look likely, since both recent releases point there. Whether the Altersvorsorgedepot gets dedicated tracking inside portfolios is unclear from the entries.

◆Recent moves

  1. 7d ago

    Finanzfluss Copilot app adds insurance linking, fixes multi-depot view

    Insurance policies can now be linked and viewed in the mobile app, not only on the web. The rest are fixes: holdings split across several depots display correctly again, negative cash shows properly in the allocation chart, and imported foreign-currency trades use the booking-date rate.

  2. 8d ago

    Riester vs. Altersvorsorgedepot calculator

    A new calculator compares a Riester contract with the Altersvorsorgedepot at equal annual savings, showing retirement wealth and net monthly payout, then links into the depot comparison. It follows October's broker filters in steering planning users toward choosing a broker.

  3. 14d ago

    Weekly update: ETF savings-plan and custody filters

    The broker comparison can now filter by ETF savings-plan availability, including free ones, and by brokers using a partner bank. Fixes cover categorisation status and per-unit prices on sales.

  4. 1mo ago

    Weekly update: positive and negative transaction splits

    Transactions can now be split into positive and negative parts and found again by their original reference. The savings-account comparison also shows deposit status and rate conditions.

  5. 1mo ago

    Transaction lists redesigned with logos and shared filters

    Transaction lists are unified, with merchant logos, cleaned names instead of raw bank data, shared filters that carry into exports and multi-select. A broad usability overhaul.

  6. 1mo ago

    AI document import for setting up portfolios

    A new AI import builds a portfolio from uploaded PDF, CSV, JPEG or PNG statements instead of manual entry, with the user confirming the result. The biggest step in the month's push to cut manual work.