Let's be clear from the start: they're not the same thing. Holded is an ERP for running a company (invoicing, accounting, CRM, inventory, payroll). Cuéntamo is a personal finance app with balance forecasting and the official tax record books of the autónomo (self-employed worker in Spain) — genuinely bilingual, so your Spanish taxes come explained in English. Here's, plainly, when each one is right for you.
Feature
Cuéntamo
Holded
Business management — where Holded shines
Issuing invoices to clients
—
Yes
Company accounting (double-entry)
—
Yes
CRM and sales pipeline
—
Yes
Inventory and stock control
—
Yes
Project management
—
Yes
HR and payroll
—
Yes
Automatic bank feeds
—
Yes
Finances and forecasting — where Cuéntamo shines
Balance forecast (up to 24 months, with alerts)
Yes
—
Personal finances (not just the business)
Yes
—
Expense splitting and debts (who owes whom)
Yes
—
Net worth
Yes
—
Investments (portfolio, capital gains)
Yes
—
Private (no bank connection, no data selling)
Yes
—
Self-employed taxes in Spain
Quarterly returns (VAT/IRPF/IGIC)
Yes
Via accounting
The 4 official tax record books (AEAT)
Yes
Via accounting
Deductibility and depreciation
Yes
Via accounting
Price and focus
Free plan
Yes
14-day trial only
Paid plan
€4.99/month
~€7.50–99.50/month
Type of tool
Finances + self-employed taxes
Business management ERP
They're not the same thing (and that's fine)
Before comparing feature by feature, it helps to understand that Holded and Cuéntamo solve different problems. Holded is an ERP, a business management suite: invoicing, accounting, cash management, CRM, inventory, projects and even payroll — everything for running a company. Cuéntamo is a personal finance and forecasting app that also covers the taxes of the autónomo (self-employed worker in Spain): the record books and the quarterly VAT/income-tax returns, but not the full machinery of a company.
Put another way: Holded runs the business; Cuéntamo tracks your money (personal and self-employed together) and helps you see what's coming. That's why many things Holded does, Cuéntamo doesn't even attempt — and vice versa.
When Holded is your tool
If you need to issue invoices to your clients, keep the full accounting of a company or of a self-employed business with structure, manage a team, track inventory, run a sales CRM or handle payroll, then you need an ERP. Holded is built exactly for that and does it well. Cuéntamo doesn't compete there: it doesn't issue invoices, doesn't do double-entry bookkeeping and has no CRM, inventory or payroll.
Real invoicing. Templates, numbered series, sending to the client, collections. Cuéntamo does none of this.
Company accounting. Journal entries, balance sheet, profit and loss, corporate tax forms.
Business management. CRM, inventory, projects, time tracking and payroll in a single panel.
When Cuéntamo fits better
If you're an autónomo (or a private individual) and what you want is to see your numbers clearly — how much you'll have left next month, how much to set aside for the Agencia Tributaria (the Spanish tax agency), how your net worth is doing — without setting up the infrastructure of an ERP, Cuéntamo is lighter and more direct. It also covers something Holded doesn't: your personal finances alongside your self-employed ones. And if Spanish isn't your first language, there's a difference you'll feel every day: Holded is a product designed in Spanish for a Spanish audience, while Cuéntamo is genuinely bilingual — your Spanish taxes, in English.
Balance forecast. From your recurring income and expenses, it projects your balance up to 24 months ahead and warns you before you go into the red — with your upcoming tax bills already in the picture, so you know how much of that money is yours and how much is the taxman's.
Self-employed taxes, without the maze. VAT and IRPF (Spanish personal income tax) — and IGIC in the Canary Islands — quarterly filings like the modelo 303 (the quarterly VAT return), the four record books required by the Agencia Tributaria, deductibility and depreciation.
Your whole life, not just the business. Personal accounts, expense splitting and debts, net worth and investments.
Privacy. No bank connection: you import your transactions from a file. No ads, and your data is never sold.
Summary. Do you need to invoice and run the accounting and management of a company or of a self-employed business with structure (CRM, inventory, payroll)? Holded (or another ERP) is your tool. Are you an autónomo who wants to forecast their balance and handle their Spanish VAT and income tax alongside their personal finances, in English and without the complexity of an ERP? Cuéntamo. They don't compete head-on — they can even coexist: invoices in Holded, forecasting and personal finances in Cuéntamo.
Try it with your own numbers
Cuéntamo is free to start: accounts, transactions, balance forecasting and self-employed taxes. No bank connection, no ads, no card required.
They're not the same product, so it depends on what you need. Holded is an ERP: if you have to issue invoices and run the accounting and management of a company, or of a self-employed business with structure (CRM, inventory, projects, payroll), Holded (or another ERP) is your tool. Cuéntamo is a personal finance app with balance forecasting plus the official tax record books of the autónomo (self-employed worker in Spain): it fits if you want to see your numbers ahead of time and handle your Spanish VAT and income tax alongside your personal finances — in English, without the complexity of an ERP.
No. Cuéntamo doesn't issue invoices to clients. Holded does: its invoicing (with templates, numbered series, sending to the client) is one of its core features. Cuéntamo records your income and expenses and keeps the record books and quarterly tax returns of the self-employed, but it is not an invoicing program. If you need to invoice, you need Holded or another invoicing tool.
No. Cuéntamo doesn't do company accounting (double-entry bookkeeping, balance sheet, profit and loss, corporate tax forms). It's designed for your personal finances and for Spanish self-employed taxation under estimación directa (direct assessment): VAT, IRPF (personal income tax), IGIC in the Canary Islands, quarterly returns and the four record books required by the Agencia Tributaria (the Spanish tax agency). For the full accounting of a company, Holded is far better equipped.
Holded handles the business's cash management, but it isn't designed for your personal finances or to project your future personal balance. Cuéntamo projects your balance up to 24 months ahead from your recurring items and warns you before you go into the red, and it keeps your personal and self-employed accounts together in one app.
Cuéntamo has a free plan; Cuéntamo Más costs €4.99/month (€49.90/year), with an Early Bird price of €3.99/month for the first subscribers. Holded has no permanent free plan (14-day trial); its plans run, according to its website, from around €7.50/month (Plus) to around €99.50/month (Premium), with extra users and add-ons charged separately. They are different products, so the prices aren't directly comparable.
No. Cuéntamo is private by design: it doesn't connect to your bank — you import your transactions from a file (CSV, Excel, ODS) or from your broker. Holded does offer automatic bank feeds with the major Spanish banks. It's a difference in approach: Holded prioritises business automation; Cuéntamo, privacy and not handing over access to your accounts.
Comparison drawn up from public information at holded.com (July 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.