What's new in Cuéntamo: net worth, advanced forecasting, investments and income tax
An accounting app isn’t a social network: if things are going well, you don’t need to open it every day. But over the last few months Cuéntamo has changed enough to deserve a proper look. And almost everything new has something in common: it solves something you used to do by hand, in a spreadsheet, or by checking four different places.
More than a list of features, this is a tour of what problem each new thing solves. By section.
Your entire net worth, not just one account’s balance
Cuéntamo used to know your accounts. Now it knows your full net worth: accounts, investments and even what doesn’t live in a bank (your home, your car, assets abroad) and what you owe, like mortgages and loans.
On a single screen you see what truly matters: not the balance of one isolated account, but your complete picture. And, above all, how it’s evolving. Are you better off than a year ago? Are your savings growing? Is your mortgage shrinking faster than your car depreciates? That trend line tells you at a glance whether you’re on track or it’s time to tighten up.
Variable-rate mortgages even recalculate themselves using the Euribor, so you don’t have to update the outstanding balance every month.
You’ll find it in the Net worth block on the Home screen. Composition and total are available on every plan; the historical trend and manual assets and liabilities are part of Cuéntamo Más.
«Can I afford this?», the question that really matters
The balance forecast has taken a big leap, and for many people it’s the best reason to come back. It now answers two things you used to work out in your head, usually wrong:
How much can I spend? You float a purchase («I want to go on a trip and spend €2,000») and Cuéntamo tells you whether you can and what it does to your safety cushion: nothing happens, you should delay it, or it means you won’t reach your goal within five years. No more «let’s hope I make it».
Scenario simulator. The classic «what if…?». What if I take unpaid leave? What if my rent goes up €150? What if I lose this client? You tweak your recurring income and expenses (raise them, lower them, switch them off or add a new one) and instantly see how your balance would change over the coming months, without touching your real data. You save each scenario by name and compare them calmly before deciding.
It’s in the Forecast section. The basic forecast is for everyone; the full horizon and all the detail (simulator included) are part of Cuéntamo Más.
Knowing whether your investments are actually doing well
If you invest, your portfolio now lives here, right next to your accounts. You enter your buys and sells (or import them in bulk from DeGiro or Trade Republic) and Cuéntamo tells you your real return: the one that accounts for when your money went in and out, not just how much the market rose.
And when tax season arrives, your capital gains are already calculated using FIFO and ready to export. Fewer surprises in May.
It’s in the Investments section. Your portfolio and its value, for everyone; the real return and the tax side, in Cuéntamo Más.
No more fighting with VAT and income tax
If you’re a freelancer, this is probably your reason. Cuéntamo keeps your official ledgers from the movements you already record, and now it also preps your income tax: it groups your invoices by tax return box, ready to copy into the draft.
Not sure which box an expense goes in? An assistant asks you in plain language and takes you to the right one, with examples of what does and doesn’t fit each. The quarterly spreadsheet, retired.
Turn on the freelancer module (14 days free) and head to Tax overview.
Clear accounts with people, no «you owe me» notebook
Do you lend money or share expenses with your kids, a friend, or travel companions?
If the other person also uses Cuéntamo, you can link an account between your two books (a Cuéntamo Más feature): what one of you records shows up in the other’s book and is confirmed by both sides, so your two versions always match. And since many of those entries aren’t really an expense of yours but a debt, you mark them as such: they count for who owes what, but they don’t pollute your expense reports. Every movement also carries a chat for the classic «what was this €40 again?» without reaching for WhatsApp.
And if the other person doesn’t use Cuéntamo? Just as easy, and this one is on any plan: keep those debts in a separate account marked as «debts and reimbursements». Its balance counts toward your net worth, but its movements stay out of your expense reports.
You set it up when creating or editing an account.
Catching up in five minutes, no scares
If what’s holding you back is «ugh, I’ve got two months of movements to enter», it’s easier now. You upload your bank statement and Cuéntamo shows you first how it understood it (date, concept, amount) before applying anything.
It detects on its own whether the file is from a bank or a broker, and swallows even those weird .xls files from Openbank or BBVA without you having to re-save them in Excel. On every plan, under Import.
And plenty of small touches that help
- A color per account, to tell them apart at a glance in lists and selectors.
- «Virtual» accounts, whose movements don’t count as income or expenses in your reports (perfect for debts, reimbursements or money you’re just moving around) even though their balance still adds to your net worth.
- Cuéntamo fully in English, app and help, in case you prefer it that way, or you’ve got an English speaker wrestling with Spanish VAT.
- And under the hood: the numbers match to the cent across balance, forecast and net worth; dark mode looks better; and the app is faster.
Many of these changes came from things you told us.
Frequently asked questions
What’s new in Cuéntamo?
There are four big ones: your full net worth (accounts, investments, house, car, debts), an advanced forecast that answers «can I afford this?» with a scenario simulator, investment tracking with real return, and income tax prep grouping your invoices by tax return box.
Which features are in the free plan and which in Cuéntamo Más?
The composition and total of your net worth, the basic forecast, the value of your portfolio and file import are for every plan. The historical evolution of net worth, the full forecast horizon with simulator, the real return, the tax side of investments and linked accounts between books are part of Cuéntamo Más.
How does the forecast scenario simulator work?
You tweak your recurring income and expenses (raise them, lower them, switch them off or add a new one) and instantly see how your balance would change over the coming months, without touching your real data. You can save each scenario by name and compare them before deciding.
Can I import my investments from DeGiro or Trade Republic?
Yes. You enter your buys and sells by hand or import them in bulk from DeGiro or Trade Republic, and Cuéntamo calculates your real return and, for the tax return, your capital gains using the FIFO method ready to export.
How do you keep accounts with another person without a «you owe me» notebook?
If the other person also uses Cuéntamo, you can link an account between your two books (a Cuéntamo Más feature): what one of you records shows up in the other’s, and is confirmed by both sides. And if they don’t use Cuéntamo, on any plan you can keep those debts in an account marked as «debts and reimbursements», whose balance counts but doesn’t pollute your expense reports.
This article is checked against official sources and reviewed periodically. If you spot anything out of date, email us at [email protected].