Finanzfluss

What Finanzfluss does

Finanzfluss is a German-language personal finance education and tooling platform founded by Thomas Kehl, serving German-speaking retail investors (DACH region) who want to learn about investing, compare financial products, and manage their personal wealth. Its core product is the Copilot portfolio tracker, a web and mobile application that connects to more than 350 financial providers (brokers, banks, crypto exchanges) via a BaFin-regulated data integration partner, aggregating accounts across stocks, ETFs, funds, crypto, real estate, and commodities with expense categorization, dividend tracking, and Sankey-style wealth visualization. The platform is complemented by an extensive suite of free tools including 40+ financial calculators (compound interest, savings, retirement, tax, mortgage, salary), product comparison engines for brokers, bank accounts, credit cards, tax software, and crypto exchanges, and an ETF search database filtering by cost, region, sustainability, and other criteria. Educational content is delivered through the ETF Handbuch and Bitcoin Handbuch guides, a weekly newsletter, an active Discord community, and social media presence anchored by a 1.5M+ subscriber YouTube channel and the 300K+ subscriber Überfluss podcast, with credibility further established by a SPIEGEL #1 bestselling book that has sold over 600,000 copies.

The business model is a content-led freemium model: free educational content and tools drive top-of-funnel audience growth, which is monetized through three revenue streams: (1) affiliate commissions from referrals to partner brokers (Scalable Capital, Finanzen.net Zero, Traders Place, Smartbroker+, ING DiBa), banks, crypto exchanges, and insurance providers; (2) Copilot PLUS, a paid subscription tier unlocking the full portfolio tracker feature set; and (3) book sales. Pricing is freemium for content and Copilot Basic, with monthly subscription billing for Copilot PLUS. The go-to-market motion is community-led growth via YouTube, podcast, and social channels rather than paid acquisition, and the customer base is horizontally segmented across German-speaking retail investors ranging from beginners to advanced passive investors.

Name

Finanzfluss

Website

https://finanzfluss.de

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Finanzfluss is a German-language personal finance education platform serving DACH retail investors with a portfolio tracker (Copilot), 40+ financial calculators, product comparison tools, ETF search, and educational content distributed via a 1.5M+ YouTube audience and bestselling book.

Ownership category

akta.pro rank

Product category

Personal Finance Software

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Education & Coaching (Digital Programs, Tools) (FSAGADAH)

akta.pro secondary industries

Net Worth & Personal Balance Sheet Tracking (FSAGADAF), Expense Tracking & Financial Dashboards (FSAGADAB)

Keywords

• Financial education
• Portfolio tracking
• Investment calculators
• ETF comparison
• Personal finance tools

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations

Revenue model

1. Affiliate/Commission Revenue: Revenue from affiliate links and commissions when users click through to recommended financial products (brokers, banks, crypto exchanges, insurance providers). The website clearly discloses affiliate relationships with partners like Scalable Capital, Finanzen.net Zero, Traders Place, and Smartbroker+.
2. Copilot PLUS Subscription: Premium subscription for the Copilot portfolio tracker offering full functionality beyond the free basic version. Paid subscription provides recurring revenue.
3. Book Sales: The Finanzfluss book reached #1 on SPIEGEL bestseller list and has sold over 600,000 copies, generating revenue from book sales.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Finanzfluss is a German-language personal finance education and tooling platform that provides free educational content (guides, YouTube, podcast, newsletter), a portfolio tracking SaaS called Copilot that connects to 350+ financial providers, an ETF search and comparison tool, 40+ financial calculators, and product comparison suites (Depot, Girokonto, Tagesgeld, Festgeld, Kreditkarten, Steuerprogramm, Krypto-Börsen). Its primary paid offering is the Copilot PLUS subscription, and it also monetizes via affiliate referrals to brokers and financial products and sales of a bestselling personal finance book (600,000+ copies).

Product overview

Finanzfluss is a German-language personal finance education and comparison platform operated by Finanzfluss GmbH. The offering is organized as a platform-plus-content model centered on the free Copilot portfolio tracker (with a paid PLUS tier) and complemented by a suite of comparison tools, 40+ financial calculators, an ETF search engine, and extensive educational guides (the ETF Handbuch and Bitcoin-Handbuch). Revenue is generated primarily through affiliate commissions on recommended financial products and the Copilot PLUS subscription, as well as book sales. The company maintains a significant social media presence across YouTube (1.5+ million subscribers on the main channel, 300+ thousand on the secondary Überfluss channel), a Discord community, and other social platforms, alongside a free weekly newsletter.

Differentiator

Problem solved

Functional benefit

Brands

• Finanzfluss Copilot: Portfolio tracker for managing and tracking personal wealth, investments, and financial assets.
• Überfluss

Products and services

• Finanzfluss Copilot Portfolio tracking and financial overview tool that aggregates bank accounts, depots, and assets (stocks, ETFs, funds, crypto, real estate, commodities) via connections to 350+ financial providers. Provides expense categorization, dividend tracking, and wealth visualization through dashboards and Sankey diagrams. Offered as a free tier and a paid Copilot PLUS subscription for German-speaking retail investors.
• Finanzfluss Rechner (Financial Calculators) Library of more than 40 free financial calculators covering savings, investing, taxes, real estate, credit, retirement, and salary topics. Includes Zinseszinsrechner (compound interest), Sparrechner (savings), ETF-Steuerfreibetrag-Optimieren, Mieten oder Kaufen (rent vs. buy), Brutto-Netto-Rechner (gross-net salary), Finanzielle Freiheit, Altersvorsorgedepot-Rechner, and many additional calculators for German retail users.
• ETF Suche (ETF Search) Search and filtering tool for all ETFs tradable in Germany. Lets users filter by asset class, region, sector, strategy, sustainability, cost (TER), fund volume, replication method, distribution type, fund age, and currency, and provides detailed profile pages for individual ETFs. Aimed at German-speaking retail investors performing due diligence on ETF investments.
• Finanzfluss Vergleiche (Financial Product Comparisons) Suite of comparison tools covering Depot-Vergleich (brokerage), ETF-Sparplan-Vergleich (ETF savings plans), Girokonto-Vergleich (current accounts), Tagesgeld-Vergleich (savings accounts), Festgeld-Vergleich (fixed deposits), Kreditkarten-Vergleich (credit cards), Steuerprogramm-Vergleich (tax software), Krypto-Börsen-Vergleich (crypto exchanges), and Robo-Advisor comparison. Designed for German-speaking consumers comparing financial products before purchase.
• Finanzfluss App (iOS and Android) Mobile applications for iOS and Android that enable users to track their wealth and finances on the go via the Copilot portfolio tracking feature set. Distributed through the Apple App Store (id6482296545) and Google Play Store.
• Finanzfluss Buch (Book) Published German-language personal finance book authored by founder Thomas Kehl. Reached #1 on the SPIEGEL bestseller list, sold over 600,000 copies, and has a 4.6/5 rating from more than 5,000 reviews. Distributed via Amazon and physical bookstores to German-speaking consumers.

Quantifiable outcome

• 600,000+ copies of the Finanzfluss book sold, reaching #1 on SPIEGEL bestseller list with 4.6/5 rating from 5,000+ reviews
• +2 more outcomes

Named customers4 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Scalable CapitalcoreGTM or Marketing PartnerAffiliate partnership for Scalable Capital Free Broker. Finanzfluss promotes Scalable Capital's depot and ETF-sparplan offerings to its audience, receiving commission for referred customers who open accounts.
• Finanzen.net ZerocoreGTM or Marketing PartnerAffiliate partnership promoting Finanzen.net Zero depot with 0€ depot fee and 0€ ETF-sparplan costs. Commission-based referral arrangement.
• Traders PlaceminorGTM or Marketing PartnerAffiliate partnership for Traders Place depot offering. Commission received for customer referrals.
• Smartbroker+minorGTM or Marketing PartnerAffiliate partnership for Smartbroker+ depot. Commission-based customer referrals.
• ING DiBaminorGTM or Marketing PartnerAffiliate partnership for ING DiBa direct depot and ETF-sparplan offerings.
• BaFin-Regulated Data PartnercoreTechnology or IntegrationFor Copilot data import functionality, Finanzfluss works with a BaFin-regulated (German Federal Financial Supervisory Authority) partner to ensure compliance and security of financial data connections.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Visualvest: German robo-advisor from Union Investment with educational content around ETF portfolios. Overlaps with Finanzfluss in the DACH retail-investor education and portfolio construction space, though delivered as a managed product.
• finanzen.net: Large German financial news, data, and comparison portal (operator of Finanzen.net Zero broker). Overlaps with Finanzfluss on product comparisons, market data, and broker affiliate revenue, but operates at much broader scope including news and quotes.
• Scalable Capital: Major German neo-broker with its own content, education, and ETF savings plan offerings. Comparable because it is both a Finanzfluss affiliate partner and a competitor in the educational/investor-onboarding layer of the DACH market.
• Trade Republic: Leading European neo-broker with growing in-app educational content and savings plans. Comparable because it competes for the same retail-investor attention and increasingly builds proprietary content that overlaps with Finanzfluss's educational positioning.

Direct peers

• extraETF: German ETF comparison and savings-plan platform with strong educational content. Directly competes with Finanzfluss in the DACH ETF discovery, comparison, and affiliate monetization space.
• justETF: Germany-focused ETF search, comparison, and portfolio tracking platform. Highly comparable to Finanzfluss's ETF Suche tool and to its overall educational/comparison positioning for German-speaking passive investors.
• getquin: German portfolio tracker and wealth overview app connecting to multiple European banks and brokers. Closely comparable to Finanzfluss Copilot in product surface (multi-account aggregation, asset coverage, mobile-first dashboard) and target user (DACH retail investors).

Emerging players

• Oskar: German investment and savings app for families and children with educational content and ETF savings plans. Comparable as a DACH-focused fintech combining financial education with retail investing, though targeting a younger/family segment.

Regional players

• Moneyland: Swiss comparison platform for banking, insurance, and telecom. Comparable to Finanzfluss's product-comparison and educational content layer but focused on the Swiss rather than German retail market.
• Weltsparen (Raisin): German deposit-comparison platform for savings and fixed-income products across European banks. Comparable to Finanzfluss's Vergleiche (comparison) suite, especially its Tagesgeld- and Festgeld-Vergleich tools.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/finanzfluss
• YouTubeyoutube.com/channel/UCeARcCUiZg79SQQ-2_XNlXQ
• Facebookfacebook.com/finanzfluss
• Instagraminstagram.com/finanzfluss
• TikToktiktok.com/@finanzfluss_official
• LinkedInlinkedin.com/company/finanzfluss

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Finanzfluss