Cuéntamo vs Holded: an ERP against an app for the self-employed
Holded is an ERP: invoicing, accounting, CRM, inventory, projects and payroll for running a company. If you're an autónomo (self-employed in Spain), much of that is more than you need, and what you're missing is something else: knowing how much of your money is yours, keeping the quarter under control and seeing your business next to your life. That's Cuéntamo, for €4.99/month, with your Spanish taxes explained in English. Here's the comparison, point by point.
This comparison is written by the Cuéntamo team: we are an interested party. Who we are.
Feature
Cuéntamo
Holded
Self-employed taxes
Quarterly returns (VAT, IRPF, IGIC, IPSI)
Yes, directly
Via accounting
The Agencia Tributaria's 4 record books
Yes
Via accounting
Deductibility and depreciation
Yes
Via accounting
Price to get the IRPF forms
€4.99/month (Más)
From €29/month + VAT (Básico)
What's going to happen to your money
Balance forecast with the 303 and 130 built in (up to 5 years, with alerts)
Yes
Business cash flow
Balance anchors: confirm the real balance and get warned if something breaks it
Yes
—
Undo and redo transactions (a whole import with Ctrl+Z)
Yes
—
Confidence level when matching each imported transaction
Yes
—
Your life, not just the business
Personal and self-employed finances in the same book
Yes
—
Expense splitting and debts (who owes whom)
Yes
—
Net worth
Yes
—
Investments (portfolio, capital gains)
Yes
—
Importing and privacy
Import without handing your credentials to a third party (file or Habeas extension)
Yes
—
Receipt scanning (OCR)
Yes, with in-house recognition
Yes
Automatic bank connection
No, for privacy
Yes
Running a company
Issuing invoices to clients
Not yet
Yes
Company accounting (double-entry)
—
Yes
CRM, inventory, projects, HR and payroll
—
Yes
Price and approach
Free plan
Yes, no ads (freelancer module: 14-day trial)
14-day trial only
Paid plan
Más, €4.99/month, everything included
€15–199/month + VAT
Type of tool
Money control + self-employed taxes
Business management ERP
Looking for an alternative to Holded?
If you're here, you're probably self-employed and Holded feels too big: you're paying for a tool built for companies, the IRPF forms start on the Básico plan (€29/month), and still nothing tells you how much of what's in your account is yours or how your personal money is doing. Cuéntamo is built for exactly that.
Two tools for two sizes
Holded is an ERP: invoicing, accounting, treasury, CRM, inventory, projects and payroll, all for running a company. Cuéntamo is a money-control app for households and the self-employed: complete self-employed taxes under the direct estimation regime, with the rest of your money around them. If you have employees, a warehouse and a sales team, you need an ERP. If you work for yourself, what you need is usually something else, and that's what Cuéntamo is built for.
What Cuéntamo brings to an autónomo
Your taxes, directly. Modelo 303 (quarterly VAT) and modelo 130 (IRPF advance payments) come straight from your transactions, with no double-entry bookkeeping: you mark what's freelance and that's it. Plus the Agencia Tributaria's four record books, exportable to Excel, and the annual summaries 390 (or 425), 190 and 180.
Eight regimes. The common territory, the four foral regimes, the Canary Islands' IGIC and the IPSI of Ceuta and Melilla, each with its own forms, deadlines and rates. If you're outside the common regime, check it in any tool you're considering.
Exact deductibility. The car at 50%, the meal with no deductible VAT: you set it once per category or tag and it's applied automatically, with non-deductible VAT becoming a cost for IRPF. Depreciation with the official tables, spread over the 130 quarter by quarter.
You know how much of your money is yours. The 303 and the 130 go into your balance forecast (up to 5 years) as expected payments, and it warns you before you go into the red. Plus a forecast of your annual income tax return, with the state scale and your region's.
Your whole life, not just the business. Personal accounts, expense splitting and debts, budgets, net worth and investments, in the same book as your business.
Balance anchors and undo. Confirm the real bank balance on a date and Cuéntamo keeps checking it still adds up. Ctrl+Z reverts your changes to transactions, and a whole import is a single action.
Import without handing over your credentials. Besides file upload (CSV, Excel, ODS), you can use Habeas, a free local-first browser extension: you log in to your bank yourself and it reads your transactions in your own browser, without your credentials passing through Cuéntamo or a third party (it doesn't work with every bank yet).
Price. €4.99/month with everything for the self-employed included, against Holded's €15 to €199/month (+ VAT).
What about your gestor?
Cuéntamo doesn't replace the judgement of someone who knows your case: it gets you to the end of the quarter knowing what's coming and with your numbers in order. You hand your gestor (accountant) the four record books in Excel, or invite them to your book.
Where we still have ground to cover. Cuéntamo doesn't issue invoices today: you can invoice with your usual program and run everything else in Cuéntamo. It doesn't connect to your bank either (on purpose, so your credentials never pass through anyone). And it isn't an ERP: if your business already needs double-entry accounting, CRM, inventory, projects or payroll, Holded covers ground Cuéntamo doesn't.
Try it with your next quarter
Free to start, no ads, no card. Try the freelancer module for 14 days: mark what's freelance and the forecast already takes the 303 and 130 into account.
It depends on the size of your business. If you run a company with employees, stock, CRM or payroll, or you need to issue invoices and keep double-entry books in the same tool, Holded is built for that. If you work for yourself and what you want is your 303 and 130 up to date, knowing how much of your money is yours and seeing your business next to your personal finances, Cuéntamo is a lighter option, for €4.99/month and in English. And if you already invoice with Holded, you can keep your forecast and your personal money in Cuéntamo.
Not today. Holded does: invoicing is one of its core features. If you need to invoice, you can do it with your invoicing program and keep the record books, your VAT and IRPF returns and your balance forecast with those taxes built in, in Cuéntamo.
No: Cuéntamo doesn't do double-entry, balance sheets or company annual accounts. What it does, fully, is self-employed taxes under the direct estimation regime: VAT (or IGIC and IPSI), IRPF, the Agencia Tributaria's four record books, deductibility, depreciation and the annual summaries, in the common territory and the foral regimes. For a company's accounting, you need accounting software or your gestoría.
Holded has business cash flow, but it doesn't handle your personal finances. Cuéntamo projects your balance up to 5 years ahead from your recurring transactions, with the 303 and 130 built in as expected payments, warns you before you go into the red, and puts your personal and self-employed accounts together.
Cuéntamo has a free plan with no ads, and you can try the freelancer module for 14 days; Cuéntamo Más, with everything included, costs €4.99/month (€49.90/year), or €3.99/month at the Early Bird price for the first subscribers. Holded has no permanent free plan (14-day trial); according to its website, its plans go from €15/month (Plus) to €199/month, excluding VAT, with IRPF forms from the Básico plan (€29/month), 50% off the first three months, and extra users and add-ons charged separately.
No, and that's on purpose: your bank credentials never pass through anyone. You import your transactions from a file (CSV, Excel, ODS), from your broker or with the Habeas extension, which reads them in your own browser while you log in to your bank's website (it doesn't work with every bank yet). Holded does offer automatic bank connection with the big Spanish banks.
Comparison drawn up from public information at holded.com (reviewed 24 September 2026). Features and prices of both products may change; always check each product's official website. Cuéntamo is not affiliated with Holded; "Holded" is a trademark of its owner. If you spot anything out of date, write to [email protected] and we'll fix it.