Margen sums up all your money in a single live net-worth number, with a native iPhone app. Cuéntamo does that number too, but its strength is real balance forecasting — and it runs on the web, desktop, Android and iPhone. Neither forces you to connect your bank. Here's which one fits you, no spin.
| Feature | Cuéntamo | Margen |
|---|---|---|
| The basics — where they're alike | ||
| Private (no bank connection, your data stays yours) | Yes | Yes |
| Live net worth | Yes | Yes |
| Investments and crypto | Yes | Yes |
| Budgets and recurring transactions | Yes | Yes |
| Real estate in net worth | Yes | Yes |
| Quick manual entry (category shortcuts) | Yes | Yes |
| Free version | Yes | Yes (very limited) |
| Where Margen shines | ||
| "All your money in one number" as its core | Has it | Yes |
| Statement import "with AI" (paid) | Own import | Yes |
| Slightly cheaper annual paid plan | €49.90/year | €39.99/year |
| Where Cuéntamo shines | ||
| Import without handing your credentials to a third party (Habeas browser extension, local-first) | Yes | — |
| Export AND import your data (full backup and restore, JSON) | Yes | — (PDF report only) |
| Real balance forecast (up to 5 years, with alerts) | Yes | — (simulators) |
| "Can I afford it?" on your real forecast | Yes | — |
| Import statements by file (CSV/Excel/ODS) and from brokers | Yes | Only "with AI" (paid) |
| Expense splitting and debts (who owes whom) | Yes | — |
| Shared books (partner, accountant) | Yes | — |
| Freelancer tax module (VAT/income tax, optional) | Yes | — |
| Balance anchors: confirm the real balance and get warned if something breaks it | Yes | — |
| Undo and redo (a whole import with Ctrl+Z) | Yes | — |
| Works on web, desktop, Android and iPhone (not only iOS) | Yes | — (iOS only) |
| Pricing & platform | ||
| Paid plan | €4.99/month | €4.99/month · €39.99/year |
| Platform | Web · PWA (Android/iOS) | iOS only |
If you've made it this far, it's because you use an iPhone and you like Margen's idea — your money in a single number — but something's missing, or you're comparing before you decide. This page won't try to win you over: it says where Margen is better, where Cuéntamo is, and who each one suits.
More than usual. Both start from the same healthy idea: keeping your accounts without giving anyone access to your bank, with your data in your hands. Both work out your net worth (accounts, investments, crypto, real estate, minus debts), track budgets and recurring transactions, and have a free plan. On privacy and on the net-worth snapshot, they play on the same field.
The big difference is looking ahead. Margen shows you where you stand today (a live net-worth number) and comes with simulators for loans, mortgages and savings. Cuéntamo, on top of today's snapshot, projects your real balance day by day up to five years out from your recurring transactions, and warns you before you go into the red. On top of that forecast, the "can I afford it?" button drops a specific purchase into your projection and tells you whether you can afford it and when it would pull your balance down — not a simulator in a vacuum, your actual money.
And there are things Margen simply doesn't have:
And one fundamental difference: Cuéntamo is a web app that installs on Android and iOS and works just the same on a computer; Margen, for now, is iPhone only.
It's a matter of preference: if you use an iPhone and want to see your net worth in one live number with a native app, and you don't need balance forecasting, file imports or expense splitting, Margen fits. Its annual plan also works out a little cheaper.
Cuéntamo is free to start: accounts, transactions, forecasting, net worth and expense splitting. No bank connection, no ads, no card required.
Start for free →