When choosing a personal finance app, start with your actual use: device, currency and recurring tasks. Neto focuses on spending and wealth; Finantzak brings together records, budgets and financial organisation. The better fit depends on the problem you need to solve.
In this article
What this comparison covers
This comparison is published by the Finantzak team, one of the products being compared. We reviewed both products' official documentation on 15 October 2026. This is not a long-term hands-on test of Neto, a security audit or an independent ranking.
We distinguish documented features from outcomes each person should check. Plans and availability can change; open the sources before subscribing. Store ratings are not evidence that an app will help you save money.
Device and currency: your first filters
Neto documents iPhone and Android apps. Finantzak has Android and a web client; a published iOS app is not established. If a native iPhone app is a requirement, that difference rules out Finantzak for that specific need.
Neto offers multiple currencies. Finantzak currently uses EUR, and changing the language does not convert amounts. If you receive or spend money in several currencies, check how you want to record conversions rather than assuming every app handles them.
Daily spending or tracking wealth
Neto's official overview highlights net worth and investments with automatic prices in PRO. If that is your priority, review supported assets and how information is updated. Looking up prices in an app is not the same as executing investment trades.
Finantzak supports accounts, income, expenses, transfers, categories and budgets. It also includes documents, debts and planning tools depending on platform and plan. We do not attribute the same automatic investment quotes advertised by Neto to Finantzak.
Documented differences that may determine your choice
| Criterion | Finantzak | Neto |
|---|---|---|
| Documented platforms | Android and web; no verified published iOS app | iPhone and Android |
| Currency | EUR | Multiple currencies |
| Focus of this comparison | Records, budgets and organisation | Spending and net worth |
| Investments with automatic prices | No equivalence to Neto PRO established | Documented in PRO |
| Finantzak web client | Premium access | Check with Neto; an equivalent client is not established here |
Importing statements without connecting a bank
Neto's guide describes PRO CSV imports, with file preparation using an external AI service and a review before import.
Finantzak supports CSV and Excel imports with Premium, a connection and a destination account, with checks for columns, dates, categories and possible duplicates; optional Toby assistance has its own conditions.
Neither description means automatic connections to every bank. To compare, use a fictional file with one expense, one income item and one transfer. Check signs, destination accounts and balance treatment without sending real records to an AI service just to run the test.
Free plans, web access and collaboration
Free personal Android use in Finantzak is local. Premium enables personal synchronisation and the web client. Creating and administering shared spaces requires Premium; participation depends on the space's conditions. Sharing records does not turn real bank accounts into joint accounts.
Neto distinguishes free and PRO access. We do not equate features just because both products use the word free: check which specific task requires payment in each. To compare costs, use your store's final price, billing period and renewal conditions on the same date.
A short test to help you choose
List three tasks, such as recording an €18 purchase, correcting its category and finding the monthly total. Add a fourth requirement if necessary: using a computer, working in another currency or coordinating records with someone else.
Assess each task with the plan you would actually use. Note where you get stuck and which information you cannot find. A documented feature may exist without fitting your routine; a simpler tool may be enough if it covers your main tasks.
Which option fits each situation?
Neto is worth reviewing if you need iPhone support, multiple currencies or its approach to wealth and investments. Finantzak may fit if you organise finances in euros and value Android, web access with Premium and shared financial records under the relevant conditions.
If you need automatic bank connections, do not assume either product includes them because it is called a finance app. Review the privacy guide and alternatives to Fintonic. If you are still choosing between an app and a spreadsheet, read the Excel comparison too.
Put it into practice
- Filter by device and currency first.
- Check your three main tasks under the appropriate plan.
- Review imports, privacy and renewal terms before subscribing.
- Check the sources: this comparison reflects its review date.