KRONO vs Finanzguru: planning or connected-account analysis?
Finanzguru focuses on connected-account and contract analysis in the German market. KRONO puts manual-friendly budgeting, assets, debts and forecasts together with local storage. This comparison is written by KRONO AS, not an independent test.
KRONO AS · Updated:
Choose for your needs, not a winner badge
Finanzguru offers a free base version; budgets, statistics and forecasts are among Plus features. It supports Android as well as iPhone. KRONO is iPhone-only and offers no desktop version or contract cancellation service.
Storage and bank access
Finanzguru processes account data in its provider infrastructure. KRONO stores financial data on your iPhone by default; optional private-iCloud sharing is separate. KRONO bank connectivity is only available in Germany. This comparison does not establish Finanzguru support for banks in your country.
Planning and sharing
KRONO combines a three-layer budget, available-to-spend view, savings goals, assets, debts and a financial forecast up to 24 months. Upcoming payments have a separate 7-day to 3-month horizon. Private-iCloud household sharing is optional; automatic split settlements are not promised.
Bring data carefully
Finanzguru's documented Plus export is an Excel file. Save it as CSV if needed for KRONO, then check columns, signs, dates and transfers. Keep both apps briefly and compare a purchase and a recurring bill; compatibility without adjustment has not been verified.
Read the evidence
The official sources below underpin the German comparison, reviewed in November 2026. Provider features and prices can change. A capability not verified here is not necessarily absent. Check current availability with each provider.
Country availability and pricing
Automatic bank connection is available only in Germany. Elsewhere, use manual accounts and CSV import.
Free forever: up to 3 accounts, 2 loans and 1 monthly budget. Pro: €6.99/month or €69.99/year in euro countries; App Store prices can vary by country.
Official sources
Finanzguru: Official features: https://hilfe.finanzguru.de/de/articles/1509506
Finanzguru: Joint accounts: https://hilfe.finanzguru.de/de/articles/1406850
Finanzguru: Recurring contracts: https://hilfe.finanzguru.de/de/articles/1346306
Finanzguru: Excel export: https://hilfe.finanzguru.de/de/articles/1491650
Finanzguru: Privacy policy: https://finanzguru.de/datenschutz
Finanzguru: Android listing: https://play.google.com/store/apps/details?hl=de&id=de.dwins.financeguru
Start with KRONO Free
Add your own figures and check which features fit your needs.
KRONO for iPhone (iOS) · Free: €0 · Pro: €6.99 per month or €69.99 per year in euro countries. Prices can differ by App Store country.
Automatic bank connection is currently only available in Germany. Elsewhere you add accounts manually or import transactions from a CSV file.
| Area | In KRONO | Limit |
|---|---|---|
| Net worth | Assets minus debts | Update manual values; no automatic property valuation |
| Cash flow | Income, expenses and loan payments | Only principal reduces debt |
| Forecast | Financial forecast up to 24 months; payments 7 days to 3 months | Based on your inputs, not a guarantee |
| Household | Optional private-iCloud sharing | No automatic settlement or verified Free sharing access |
| Bank connection | Germany only; manual or CSV elsewhere | Pro does not extend country availability |
More guides
- Cash flow forecast app for iPhone
- Budget apps for iPhone 2026
- Budget app without a subscription
- Budget app vs. spreadsheet for students
- Monthly budget for your first job
- Budget on €2,500 take-home pay
- Net worth app for iPhone: your whole financial picture
- Track assets, debts and net worth in one app
- Plan assets, debts and cash flow together
- Financial planning without a provider cloud
- Budget app without bank access: manual accounts and CSV
- Budgeting as a couple or family
- Plan your deposit and budget before buying a home
- Prepare your household budget for parental leave
- Mortgage payments, remaining debt and your budget
- KRONO pricing: Free features and Pro subscriptions
- KRONO vs Outbank: banking and financial planning
Frequently asked questions
Is KRONO an alternative for Android?
No. KRONO is only available for iPhone.
Can I use KRONO without linking a bank?
Yes. Manual accounts and CSV imports work; connectivity is Germany-only.
Does KRONO cancel contracts for me?
No. It shows recurring costs but offers no cancellation service.