Cuéntamo vs Neto: an honest comparison

Looking for a Neto alternative?

If you are here, either Neto is not quite fitting or you are checking before you decide. This page will not try to talk you round: it says where Neto is better, where Cuéntamo is, and who each one suits. If your answer at the end is «I'll stay where I am», that's a useful answer too. Often the honest deciding factor is simple — Neto is Apple-only, so if you use Android or want the web, the choice is made for you.

How they're alike

Both start from the same idea: keeping track of your money without spreadsheets and without handing over your bank credentials. You create your accounts by hand, log transactions by category, set budgets and savings goals, and follow your net worth and investments — including crypto. Both are private: neither connects to your bank, and your data stays yours. Neto keeps it on your device with optional iCloud sync; Cuéntamo keeps it in your account. If what you want is to track your money by hand, privately, and see your net worth, either will do the job well.

How they differ

Neto is, deliberately, an Apple-native app: it runs across iPhone, iPad, Mac and Apple Vision, with real-time investment prices. Cuéntamo is a cross-platform platform that, beyond tracking, covers things Neto doesn't:

• Balance forecasting. From your recurring transactions, Cuéntamo projects your balance up to 5 years ahead and warns you before you hit the red — and answers «can I afford this?». It's the flagship feature; Neto tracks the present but doesn't forecast your future balance.
• Statement imports. Upload your transactions by file (CSV, Excel, ODS) or from your broker, instead of typing every line by hand. Neto is 100% manual entry. By design neither does automatic bank sync — no credentials ever leave you.
• Import without typing, without handing over your credentials. Besides file upload, you can use Habeas, a free local-first browser extension: you log in to your bank yourself and it reads your movements in your own browser, without your credentials or data ever passing through Cuéntamo or a third party. It doesn't (yet) connect to every bank and you use your own session, but it saves you typing without giving up your privacy.
• Who owes whom. Split an expense between several people, track debts and settle up. Great for couples, families and shared flats. Neto doesn't do this.
• Shared books, undo/redo and reconciliation. Share a book with a partner or accountant, undo any change, and anchor a real balance on a date so the numbers stay honest.
• It runs everywhere. Cuéntamo is a web app that installs on Android and iOS and works the same on any computer. Neto is Apple-only.

And if you freelance in Spain, there's also a full Spanish tax module (VAT, income tax) — but that's an extra; this comparison is about everyday use.

When Neto may fit you better

It's a matter of preference. If you live inside the Apple ecosystem (iPhone, iPad, Mac, Apple Vision) and prefer a native app there, with your data on the device and no need for forecasting, file imports or expense splitting, Neto fits. It comes from an independent developer, the real-time investment prices are a useful touch, and iCloud sync keeps your devices in step without any account to manage.