Tefteri is a privacy-first iPhone finance app built in Athens, with a free tier and a €29.99 lifetime option. Toshl Finance is a cloud-based multi-platform tracker from Slovenia with 200+ currencies, optional bank sync, and a visual budgeting interface, billed at $4.99/month or more. Both are manual-entry-friendly, but they differ sharply on privacy model, price structure, and geographic focus.
| Feature | Tefteri | Toshl Finance | Wins |
|---|---|---|---|
| Pricing | Free + Pro (€2.49/mo, €14.99/yr, or €29.99 lifetime) | Free; Pro $4.99/mo or $39.99/yr; Medici $9.99/mo or $89.99/yr | Tefteri |
| Free tier | Yes — full tracking, 2 budgets, dashboard, search, no entry limit | Yes — basic tracking, limited budgets, capped monthly entry count | Tefteri |
| Lifetime option | €29.99 one-time, yours forever | Not offered | Tefteri |
| Free trial | Free tier acts as an unlimited trial of the core app | 30-day trial of Pro features | Tefteri |
| Platforms | iPhone (iPad and Mac via iCloud sync coming) | iOS, Android, Web, Windows | Toshl Finance |
| Bank syncing | No — manual entry by design | Optional via Plaid/SaltEdge in 80+ countries (Medici tier) | Toshl Finance |
| Manual entry | 3-tap entry flow optimized for speed | Supported across all tiers | Tefteri |
| Methodology | Flexible category tracking, no methodology imposed | Visual budgets with gauge charts; no strict methodology required | Tie |
| Learning curve | Minutes — open and start logging | Moderate — gauge budgets and account setup take time | Tefteri |
| Privacy model | On-device, synced via Apple iCloud (CloudKit) | Cloud-based on Toshl servers | Tefteri |
| Data ownership | Your data stays in your iCloud account | Stored on Toshl infrastructure; export available | Tefteri |
| Multi-currency | EUR-first, single primary currency | 200+ currencies with automatic conversion rates | Toshl Finance |
| Categories | 8 tailored: Properties, Payroll, Interest, Housing, Vehicles, Personal, Subscriptions, Taxes | Fully custom tags and categories you define | Tie |
| Recurring entries | Monthly templates free; advanced intervals with Pro | Repeating entries supported across all tiers | Tie |
| Reports | Dashboard free; full reports and analytics with Pro | Visual charts and spending breakdown built in | Tie |
| Budgets | 2 free; unlimited with Pro plus rollover | Limited on free; unlimited budgets on Pro and Medici | Tie |
| Goals and savings | Savings goals with pace tracking (Pro) | Not a dedicated built-in feature | Tefteri |
| Subscription tracking | 33+ auto-detected brands | Manual category tracking only | Tefteri |
| Family / sharing | Single-user via iCloud | Shared budgets with a partner (Medici tier) | Toshl Finance |
| Receipt photos | Yes (Pro) | Yes (Pro and Medici) | Tie |
| Export (PDF / CSV) | PDF and CSV export (Pro) | CSV and spreadsheet export | Tie |
| Bilingual EN / EL | Full Greek and English | English and several European languages; no Greek | Tefteri |
| Geographic focus | Built for Greece (categories, terminology, local tax categories) | Global focus; 80+ countries for bank sync | Tefteri |
Free with optional Pro from €2.49/mo, or €29.99 lifetime.
Free tier available. Pro at $4.99/mo or $39.99/yr. Medici at $9.99/mo or $89.99/yr. No lifetime option.
Yes, particularly for iPhone users in Greece who want privacy-first tracking and a one-time price. Toshl wins on multi-currency depth and Android/web support. Tefteri wins on price structure, on-device privacy, and fit for the Greek market.
Toshl's bank sync covers 80+ countries via Plaid and SaltEdge, but Greek bank coverage through these aggregators is limited. Most Greek users end up relying on manual entry regardless, which removes Toshl's main paid-tier advantage.
Toshl's cloud infrastructure and multi-currency engine carry operational costs that Tefteri avoids by keeping data on-device via iCloud. Tefteri Pro starts at €2.49/month versus Toshl Pro at $4.99/month, and the €29.99 lifetime option eliminates recurring cost entirely.
Toshl supports several European languages but does not offer a native Greek interface. Tefteri is fully bilingual in Greek and English, with categories and terminology designed around Greek financial life.
Tefteri is EUR-first with one primary currency per account. If you regularly handle multiple currencies across several countries, Toshl's 200+ currency engine with automatic conversion is a genuine advantage. For users based in Greece dealing primarily in euros, this gap rarely matters in practice.
Tefteri. It auto-detects 33+ known subscription brands and categorizes them automatically. Toshl requires manual category assignment for each service.
Toshl's free tier caps the number of entries you can add each month. Tefteri's free tier has no entry limit — full tracking, 2 budgets, and search are all available at no cost with no ceiling on how much you log.
Toshl supports CSV export. Tefteri does not have a one-click Toshl importer today, but you can use the exported CSV as a reference while starting fresh in Tefteri. Most users find a clean start helpful when switching finance apps.
Pick Toshl if you manage money across multiple currencies, need an Android app or web access, or want bank connectivity in one of its 80+ supported countries. Pick Tefteri if you value on-device privacy, want a one-time lifetime price, or are based in Greece and need an app built around Greek financial categories and bilingual EN/EL support. Toshl's multi-currency depth and cross-platform reach are genuine strengths. Tefteri's lifetime pricing and privacy model are hard to match at any comparable tier, and for Greek users the fit is unambiguous.
No subscription required. Free to download, with optional Pro from €2.49/mo or €29.99 lifetime.
