Comparison

ginkgo bAV vs FinLu

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

Head to head
About

ginkgo bAV

Features
Read full description

Already have your ginkgo bAV through your employer? Use the app to keep everything in view — from daily values to long-term projections. See how your company pension is growing: - Check your current bAV value anytime - Explore future projections - View all contributions made by you and your employer - Track your pension performance day by day Clear, transparent, and designed for your peace of mind — your bAV, always at your fingertips.

About

FinLu

This app helps you manage your money by tracking income and expenses, visualizing spending, and organizing financial data. It offers secure access and a clean interface to empower users to build better money habits.

Highlights
  • Track income and expenses
  • Visualize spending with charts
  • Secure passcode and biometrics
  • Edit and refine entries
  • Smart organization by time period
  • Modern, minimal design
Features
Read full description

FinLu - Smart, Simple, and Secure Budgeting Take control of your finances with FinLu - your all in one budget and spending companion designed to keep your money organized, secure, and stress-free. FinLu helps you track income and expenses, visualize your balance, and stay on top of your goals with clean insights and effortless organization. Key Features - Track Income & Expenses: Log every transaction with customizable categories, title, amount, and dates - all in one place - Visualize Your Spending: Get a clear overview of your balance and thresholds through dynamic charts and summaries. - Secure Passcode & Biometrics: Protect your financial data with an optional passcode, Face ID, or Touch ID - only you can unlock FinLu. - Edit & Refine Easily: Update any entry at any time to keep your records accurate and up-to-date. - Smart Organization: Filter by day, week, or month to understand your habits and make smarter decisions. - Modern, Minimal Design: A clean and intuitive interface built for simplicity and focus Your Data, Your Privacy - FinLu stores your information locally on your device - never shared, never sold. Why You'll Love FinLu - Managing your money shouldn't be complicated, it should feel empowering, private, and effortless. Download FinLu today and build better money habits - one smart decision at a time.

Screenshots

ginkgo bAV4 screens
FinLu4 screens

Verdict

The call

The clearest difference is update cadence: FinLu at every 3 days against ginkgo bAV's every 2 weeks. ginkgo bAV's advantage is iOS requirement (15.0 vs 18.6). On price, ads, in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

ginkgo bAV ships an update every 2 weeks, FinLu every 3 days. The most recent releases landed on November 5, 2026 and October 30, 2026 respectively.

Scorecard2 real differences · 8 level
ginkgo bAV versus FinLu: the parameters behind the verdict, then further details
Parameterginkgo bAVFinLu
PriceFreeFree
Rating—5.0 (2 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—2 — better
Update frequencyEvery 2 weeksEvery 3 days — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better18.6
Further details — not scored
Size12 MB2 MB
Age rating4+12+
Developerginkgo Betriebliche Vorsorge GmbHStephanie Liew

In-app purchases

None

ginkgo bAV

No in-app purchases

None

FinLu

No in-app purchases

Questions

Is ginkgo bAV free?
ginkgo bAV is free to download, with no in-app purchases.
Is FinLu free?
FinLu is free to download, with no in-app purchases.
Do ginkgo bAV or FinLu have ads?
Neither ginkgo bAV nor FinLu shows ads.
Which is updated more often, ginkgo bAV or FinLu?
ginkgo bAV ships an update every 2 weeks, and FinLu every 3 days. Most recently, ginkgo bAV was updated on November 5, 2026 and FinLu on October 30, 2026.

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