GSCHWIND SOFTWARE GMBH

What GSCHWIND SOFTWARE GMBH does

Gschwind Software GmbH is a privately held German software firm founded in 2000 in Aachen by Michael Gschwind (Dipl.-Informatiker and Certified Estate Planner/CFEP). The company develops professional financial planning, succession planning, and pension planning software for banks, savings banks, private banks, and independent financial advisors operating in the DACH region (Germany, Austria, Switzerland). Its product portfolio centers on the "Finanz- und Nachfolgeplaner" suite — covering risk simulation, asset optimization, tax determination, securities analysis, real estate evaluation, corporate share valuation, and retirement planning — alongside a vertical variant tuned for Sparkassen (the S-Finanz- und Nachfolgeplaner), the Financial Planning Manager (FPM) CRM add-on, and the more recent cloud-based Financial Lighthouse platform launched as Financial Planning as a Service.

The underlying technology is anchored by a proprietary real-time calculation engine that the company highlights as a core differentiator, an Input Wizard (Eingabeassistent) guided-data-entry interface, and over 90 evaluation options supporting complex financial scenarios. Specialized domain logic is embedded for Austrian tax law, succession planning, and DIN ISO 22222-compliant advisory documentation. The firm is ISO 9001 certified under DIN EN ISO 9001 and has built a niche distribution footprint through partnerships with EBS Business School, Frankfurt School of Finance & Management, and the Sparkassenakademien.

Gschwind operates a hybrid revenue model combining one-time perpetual software licenses, recurring annual maintenance and support subscriptions, SaaS fees from Financial Lighthouse, and discounted academic licensing for CFP certification candidates (EUR 300 one-time with free maintenance). Go-to-market is sales-led and direct, supported by downloadable demo versions, free webinars and online seminars, and references in German financial planning trade press. The company has no disclosed funding, appears bootstrapped, and is led by the founder as Geschäftsführer alongside a team of approximately nine staff covering development, tax/succession expertise, frontend, sales/webinars, and accounting.

Name

GSCHWIND SOFTWARE GMBH

Legal name

Gschwind Software GmbH

Website

https://gschwind-software.de

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Gschwind Software GmbH is a privately held German software firm that develops professional financial, succession, and pension planning software for banks, savings banks, and independent financial advisors across the DACH region.

Ownership category

akta.pro rank

Product category

Financial Planning Software

NAICS

Software Publishers (513210), Portfolio Management and Investment Advice (523940)

SIC

Services-Prepackaged Software (7372), Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Enterprise Performance Management (EPM) & FP&A Platforms (HDAEAEAK), Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)

Keywords

• Financial planning software
• Succession planning software
• Wealth management tools
• Pension planning software
• Banking CRM software

Headquarters

HQ city

Aachen

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Licenses: Professional software licenses for financial planning, succession planning, and CRM solutions. Perpetual licenses available alongside maintenance and support services.
2. Subscription/Maintenance: Annual maintenance and support contracts providing updates, hotline support, and ongoing service access. CFP graduates offered reduced pricing for certification plan licenses.
3. Financial Lighthouse - SaaS: Financial Planning as a Service subscription model for next-generation cloud-based financial planning
4. Academic Licensing: Special academic licensing programs for universities and business schools, including free student access during studies and discounted CFP certification licenses

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Gschwind Software GmbH develops and sells professional financial and succession planning software for banks, savings banks (Sparkassen), private banks, and independent financial advisors in the German-speaking (DACH) market. The offering combines holistic financial analysis (risk simulation, wealth optimization, tax calculation, securities and real estate evaluation) with a CRM system (Financial Planning Manager) and a cloud-based Financial Planning as a Service platform (Financial Lighthouse).

Product overview

GSCHWIND Software GmbH offers a suite of financial planning and succession planning software solutions for banks and financial service providers in German-speaking regions. The product portfolio includes desktop-based software products (Finanz- und Nachfolgeplaner, Finanzplaner, Nachfolgeplaner, Finanzplaner kompakt, Vorsorgeplaner) and specialized versions (S-Finanz- und Nachfolgeplaner for Sparkassen). The Financial Planning Manager (FPM) serves as a CRM add-on module that integrates with the financial planning tools. Financial Lighthouse represents a newer cloud-based SaaS offering for device-independent financial planning. The products support comprehensive financial analysis including risk simulation, wealth optimization, tax calculations, securities analysis, real estate evaluation, and succession planning.

Differentiator

Problem solved

Functional benefit

Brands

• Financial Planning Manager (FPM): Full-featured CRM system with financial planning integration, including customer management, accounting, commission processing, scheduling, process automation, and financial plan archiving.
• Financial Lighthouse
• S-Finanz- und Nachfolgeplaner

Products and services

• Finanz- und Nachfolgeplaner (Financial and Succession Planner)
• S-Finanz- und Nachfolgeplaner (Sparkassen Financial and Succession Planner)
• Financial Planning Manager (FPM)
• Financial Lighthouse
• Finanzplaner (Financial Planner)
• Nachfolgeplaner (Succession Planner)
• Vorsorgeplaner (Pension Planner)
• Finanzplaner kompakt (Compact Financial Planner)

Quantifiable outcome

• Volksbank Heilbronn processes over 6,000 financial plans with increasing tendency
• +2 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• EBS Business SchoolcoreStrategic or Co-development PartnerAcademic partnership where Gschwind supports CFP and CEP/CFEP certification programs. Students receive free software access during studies and discounted CFP certification licenses.
• Frankfurt School of Finance & ManagementcoreStrategic or Co-development PartnerAcademic partnership supporting CFP certification programs with free student access to financial planning software during studies.
• SparkassenakademiencoreStrategic or Co-development PartnerIntensive support and accompaniment of continuing education offerings at numerous Sparkassenakademien (savings bank academies). Students trained in software usage and receive free access during their programs.

Scale indicators3 records

Recent moves3 records

Expansion highlights6 records

Direct peers

• eMoney Advisor: US financial planning software serving financial advisors with goals-based planning, Monte Carlo simulations, and client portal functionality. Comparable in product depth and target customer (financial advisors and wealth management firms).
• Moneysoft: UK-based financial planning software for financial advisors, providing cashflow modelling and lifestyle planning tools. Closely comparable product offering and target buyer (independent advisors and banks) to Gschwind's Finanz- und Nachfolgeplaner.
• RightCapital: US financial planning platform for financial advisors with retirement, tax, estate, and education planning modules. Directly comparable in product scope and advisor-centric business model.
• MoneyGuide Pro (PFI): US financial planning software for advisors including goals-based planning, Monte Carlo simulations, and risk tolerance analysis. Comparable in offering financial planning software as a service to financial advisors.

Broad incumbents

• Haufe-Lexware: Major German SMB financial and tax software provider. Comparable in serving the German SMB and advisor market with financial software products, though at much larger scale.
• Star Finanz: German provider of online banking and personal finance management software (StarMoney, StarMoney Business). Comparable as German financial software vendor, though more consumer/SMB focused vs. Gschwind's advisor focus.
• msg: German enterprise software group providing solutions for banking, insurance, and financial services including financial planning modules. Comparable as a German financial-services software vendor with broader portfolio.
• DATEV: Large German cooperative providing accounting, tax, and business software primarily to tax advisors and SMEs. Comparable in serving German financial professionals and Sparkassen ecosystem, though broader scope than Gschwind.

Emerging players

• Blaze Software (now Hubbspot Finance / integrated): UK-based financial planning and lifestyle planning software for advisors. Comparable niche product category and target buyer to Gschwind, though UK-focused.
• WealthObjects: UK-based fintech providing digital wealth management and financial planning tools for advisors. Comparable in serving independent financial advisors with digital planning infrastructure, though more cloud-native.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/gschwind-software-gmbh

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

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 GSCHWIND SOFTWARE GMBH