Lifetify vs. Finanzguru
Finanzguru analyzes your finances through a bank connection (multibanking). Lifetify organizes your whole life – without account connection, locally on your device and with full control over your data.
Why Lifetify?
Full overview – without any bank access.
No account connection
Lifetify needs no bank access (PSD2). You record whatever you want – without connecting your accounts.
More than finances
Beyond contracts and accounts, you manage real estate, vehicles, insurance, contacts and companies – all in one place.
Local & end-to-end encrypted
Your data stays on your device and works without internet. The optional cloud backup is zero-knowledge encrypted – multibanking apps store in the cloud.
Everything linked
Connect contract, account, property and contact with each other and see relationships at a glance.
Digital estate included
With the optional emergency access, your heirs can reach all important records if something happens to you – including notary notification.
No ads, no tracking
Lifetify shows no ads and sells no data.
Install the app now
Start for free – no account connection.
Lifetify and Finanzguru at a glance
| Lifetify | Finanzguru | |
|---|---|---|
| Focus | Whole life (all categories) | Finances & contracts |
| Bank connection (PSD2) | Not required | Yes (core feature) |
| Data storage | Local on device, offline | Cloud / multibanking |
| End-to-end encryption | Yes (zero-knowledge) | — |
| Digital estate / emergency access | Yes | — |
| Real estate, vehicles & contacts | Yes | Not the focus |
| Per-entry reminders | Yes (freely datable) | — |
| Ads & tracking | No | — |
Comparison based on publicly available information, as of 2026. Clark, Finanzguru and other named brands belong to their respective owners. Lifetify is not affiliated with these providers.
Keep the overview – without bank access.
Download Lifetify for free and organize contracts, accounts and more – completely offline.
Frequently asked questions about the comparison
Is Lifetify an alternative to Finanzguru?+
Both apps have a different focus. Finanzguru analyzes your finances through a bank connection. Lifetify organizes your entire life – contracts, accounts, real estate, vehicles and more – without account connection and locally on your device.
Do I have to connect my bank account?+
No. Lifetify works completely without account connection. You add your entries yourself.
Does Lifetify detect contracts automatically from transactions?+
No. Since Lifetify uses no bank access, you add contracts yourself – in return, your financial data stays fully private and offline. For cancellation deadlines and dates, you set your own reminders.
Where is my data stored?+
Locally on your device by default. The optional cloud backup is end-to-end encrypted (zero-knowledge) – only you can decrypt it.
Install the app now
Start for free – no account connection.