Walletguide

Comparison

Walletguide vs Outbank

See how Walletguide and Outbank compare and how Walletguide could be a great alternative.

Walletguide dashboard showing net worth tracking with asset overview, charts, and portfolio breakdown

Walletguide's strengths

Holistic net worth tracking: Goes beyond banking to include real estate, business assets, and complex financial structures in one unified view. Accounts can be connected automatically or entered manually.
Business-style financial analysis: Applies profit & loss methodologies and expense amortization techniques from the business world to personal finances.
Real-time collaboration: Google Docs-like collaboration features for multiple users to manage finances together with shared visibility and planning.
AI-powered document management: Automatically analyzes financial documents and links them to transactions for seamless organization.
Screenshot of the app Outbank

Outbank's strengths

Zero Knowledge privacy: All financial data is stored locally on your device with full encryption - even Outbank cannot access your data.
Comprehensive banking integration: Supports 4,500+ banks and financial providers with full transaction capabilities including payments and transfers.
Native mobile experience: Purpose-built apps for iOS, macOS, and Android with seamless sync and mobile-optimized workflows.
Advanced contract management: Automatically detects fixed costs, manages contracts and insurance policies, and sends renewal reminders.

Feature comparison matrix

Net worth tracking

Walletguide
Comprehensive across all asset classes (real estate, investments, business assets)
Outbank
Basic account balances and totals

Asset types

Walletguide
All asset types (automated or manual, modelled as account with transactions or just total balances)
Outbank
All asset types, but modelled like a bank account with transactions

Auto-categorization

Walletguide
AI-powered, 70%+ accuracy
Outbank
Automatic with custom rules (defined manually)

Use of AI

Walletguide
Auto-categorization, automated summaries, and AI-powered document management, MCP server (soon)
Outbank
No

API

Walletguide
Yes, all data is available via API
Outbank
No

Data privacy

Walletguide
Cloud-based with encryption at rest and in transit
Outbank
Zero Knowledge - all data stored locally on device

Platform availability

Walletguide
Web-based application (all platforms)
Outbank
iOS, macOS, Android with real-time sync

Pricing

Walletguide
€10 - €29 / month, €90 - 261 / year
Outbank
€39.99 - 99.99 / year

Who should choose which?

Pick Walletguide if...

You're a user who has a complex assets structure beyond simple bank accounts (real estate, business ownership, diverse investments)
You want sophisticated financial analysis with business-style profit & loss reporting and scenario planning
You need collaboration features for working on your finances in real-time with other users, such as your partner or family
You prefer web-based access and don't mind cloud-based data storage with strong encryption with the advantage that you can make use of AI to help you manage your finances

Pick Outbank if...

Privacy is your top priority and you want all data stored locally on your device with zero knowledge architecture
You need comprehensive banking capabilities including payments, transfers, and transaction management in one app
You prefer native mobile apps and want seamless sync across iOS, macOS, and Android devices (but no web interface)
You want a lower-cost solution focused on traditional banking and budgeting rather than complexer asset tracking

Ready to get started with Walletguide? Compare our pricing plans or start your free trial.