Comparison

ownfin vs Split by Finanzguru

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ownfin

Consolidate all your financial assets, including bank accounts, investment portfolios, and cryptocurrencies, into one comprehensive view. This app prioritizes your data's privacy and security with on-device processing and end-to-end encryption for seamless cloud syncing.

Highlights
  • Connect bank accounts, investment portfolios, and cryptocurrencies
  • Automatic asset listing
  • On-device data processing
  • End-to-end encrypted cloud sync
  • Secure data sharing with contacts
Features
Read full description

» Deine Finanzen immer im Blick Verbinde deine Bankkonten, Aktiendepots, Kryptowährungen und viele weitere Anbieter ganz einfach mit wenigen Schritten. Erhalte jederzeit und überall einen vollständigen Überblick über deine gesamten Finanzen. Unser Ziel ist es, dass du alle Vermögenswerte vollautomatisch aufgelistet bekommst. Daher versuchen wir neben etablierten Instituten auch neue und exotische Dienstleister und Anlagen zu unterstützen, um die größte Auswahl anzubieten. » Niemand kann deine Daten einsehen Finanzen sind ein sensibles Thema. Deshalb sind Verschlüsselung und Datenschutz die Grundlage unserer Architektur: - Die gesamte Logik wird auf deinem Gerät ausgeführt. - Der Datenabgleich findet direkt zwischen dir und dem Anbieter statt. - Alle Daten werden verschlüsselt auf deinem Gerät gespeichert. - Es werden niemals Klartext-Daten mit unseren Servern geteilt. Durch diese Autarkie kannst wirklich nur du deine Daten einsehen. Wir könnten es nicht einmal, wenn wir wollten. » Sicherer Cloud-Sync zwischen deinen Geräten und Kontakten Mit dem optionalen Cloud-Sync sind alle Geräte immer auf dem selben Stand. Sämtliche Daten werden ausschließlich mittels Ende-zu-Ende-Verschlüsselung übertragen. Zusätzlich dazu werden sensible Informationen gar nicht über unsere Cloud synchronisiert - nicht einmal verschlüsselt. Sie werden stattdessen auf jedem Gerät erneut direkt vom entsprechenden Anbieter geladen. Die Daten, die du mit deinen Kontakten teilst, sind ebenfalls zwischen euch beiden verschlüsselt und können von niemandem mitgelesen werden. EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Split by Finanzguru

Easily track and split expenses for travel, shared living, or group events. Settle up with friends and flatmates effortlessly, eliminating the need for manual calculations. Integrates with Finanzguru for seamless expense importing.

Highlights
  • Add and split expenses in various ways
  • View balances at a glance
  • Send reminders and settle up
  • Import expenses from Finanzguru
  • Free and ad-free experience
Features
Read full description

Whether you’re traveling, sharing a flat, or managing costs with friends: Split makes it easy to track expenses, split them fairly, and settle up with just a tap. All in one place – no math, no stress. Features: - Add and split expenses (equally, by percentage, share, or exact amount) - See who owes what at a glance - Send reminders and confirm settlements with one tap - Import expenses directly from the Finanzguru app - Completely free and ad-free Good to know: Split works with or without a Finanzguru account. If you’re already using Finanzguru, you can import purchases and bills with a single tap – especially handy for things that are already tracked. Great for: - Travel - Shared flats - Couples - Group events - Grocery runs More clarity, less effort. See exactly who owes what, when – and keep everything under control. Built and maintained by the Finanzguru team in Germany.

Screenshots

ownfin4 screens
Split by Finanzguru4 screens

Verdict

The call

The clearest difference is review sentiment: Split by Finanzguru at 100% against ownfin's 45%. Split by Finanzguru also leads on in-app purchases (none vs 8). On price, update cadence, ads and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. ownfin sells 8 in-app purchases, starting at $1.99 per month. Split by Finanzguru asks for nothing beyond the download.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 8 days. The most recent releases landed on October 15, 2026 and October 22, 2026 respectively.

Scorecard3 real differences · 5 level
ownfin versus Split by Finanzguru: the parameters behind the verdict, then further details
ParameterownfinSplit by Finanzguru
PriceFreeFree
Positive reviews45.5% of reviews100.0% of reviews — better
Update frequencyEvery 8 daysEvery 8 days
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.115.1
Further details — not scored
Size39 MB39 MB
Age rating4+4+
Developerownfin GmbHdwins GmbH

Customer experience

ownfin

Written reviews22 reviews
Positive45.5%
Neutral18.2%
Negative36.4%

Split by Finanzguru

Written reviews23 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

8 purchases

ownfin

Subscriptions8
  • ownfin Basic$1.991 Month
  • ownfin Plus$2.991 Month
  • ownfin Pro$4.991 Month
Show 5 more
  • ownfin Ultra$8.991 Month
  • ownfin Basic$17.991 Year
  • ownfin Plus$24.991 Year
  • ownfin Pro$49.991 Year
  • ownfin Ultra$79.991 Year
None

Split by Finanzguru

No in-app purchases

Questions

Is ownfin free?
ownfin is free to download, with in-app purchases available.
Is Split by Finanzguru free?
Split by Finanzguru is free to download, with no in-app purchases.
Do ownfin or Split by Finanzguru have ads?
Neither ownfin nor Split by Finanzguru shows ads.
Which is updated more often, ownfin or Split by Finanzguru?
ownfin ships an update every 8 days, and Split by Finanzguru every 8 days. Most recently, ownfin was updated on October 15, 2026 and Split by Finanzguru on October 22, 2026.

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