Quipu is an invoicing and accounting program for autónomos (self-employed workers in Spain) and small businesses: it issues invoices, automates your taxes and reconciles your bank. Cuéntamo is something else: balance forecasting, personal finances, net worth and investments, without connecting your bank — and with your Spanish taxes explained in English. Here's, plainly, which one suits you depending on what you need.
Feature
Cuéntamo
Quipu
The tax essentials
Recording income and expenses
Yes
Yes
VAT and IRPF (income tax) returns
Yes
Yes
The Agencia Tributaria's official record books
Yes
Yes
Deductibility and depreciation
Yes
Yes
Where Quipu shines
Issuing invoices (numbered series, Verifactu)
—
Yes
Bank feeds and automatic reconciliation
—
Yes
Receipt scanning with automatic reading (OCR)
—
Yes
Full accounting and automatic tax forms
—
Yes
Where Cuéntamo shines
Balance forecast (up to 24 months, with alerts)
Yes
—
Personal finances (as well as the business)
Yes
—
Expense splitting and debts (who owes whom)
Yes
—
Net worth
Yes
—
Investments (portfolio, capital gains)
Yes
—
Private (no bank connection, no ads, no data selling)
Yes
—
Price and platform
Free plan
Yes
—
Paid plan
€4.99/month
From ~€17/month
Platform
Web · PWA (Android/iOS)
Web · App
Where they overlap
Both understand autónomos (the self-employed in Spain) and Spanish taxes. They record your income and expenses, calculate your VAT and IRPF (income tax) returns — like the modelo 303 (the quarterly VAT return) — keep the record books required by the Agencia Tributaria (the Spanish tax agency) and handle deductibility and depreciation. If your only question is "how much do I pay this quarter?", both will answer it. From there, each one looks in a different direction.
Where they differ
Quipu is, first and foremost, an invoicing and accounting program: it's designed so you can issue invoices to your clients, automate your accounting and your taxes, connect your bank and digitise your expenses with your phone's camera. Cuéntamo doesn't invoice and doesn't connect to your bank; its ground is seeing your money up to two years ahead and keeping your finances fully in view, business and personal life together. And there's a practical difference if Spanish isn't your first language: Quipu is built in Spanish for a Spanish audience, while Cuéntamo is genuinely bilingual — your Spanish taxes, in English.
Quipu invoices, Cuéntamo forecasts. With Quipu you issue compliant invoices; with Cuéntamo you project your balance up to 24 months and know before whether you'll go into the red — with your upcoming tax bills already factored in, so you know how much of that money is yours and how much is the taxman's.
Quipu connects your bank, Cuéntamo protects your privacy. Quipu reconciles your transactions automatically; Cuéntamo, by design, never touches your bank: you import your statements from a file (CSV, Excel, ODS) or from your broker.
Quipu is business only, Cuéntamo is also your life. In Cuéntamo you keep your self-employed books and your personal finances, your net worth, your investments and the expense splitting with your partner or business partners.
OCR. Quipu scans receipts and invoices and reads them by itself; Cuéntamo has no OCR today.
When Quipu suits you better
Let's be fair: if what you need is to issue invoices to your clients, have automatic bank reconciliation and keep your accounting up to date with barely touching it, Quipu is built exactly for that, and does it well. Add the expense scanning with OCR and the bank connection, and for many self-employed workers and small businesses it's the day-to-day work tool. Cuéntamo doesn't issue invoices and doesn't pretend to replace an invoicing program.
Summary. Do you need to invoice, reconcile your bank and keep your accounting up to date? Quipu. Do you want to forecast your balance, keep an eye on your personal finances, your net worth and your investments, and split expenses with the people you live with — all with privacy, in English, and usually for less money? Cuéntamo. And many self-employed workers use both: Quipu to invoice, Cuéntamo to see what's coming. Cuéntamo is free to start.
Try it with your own numbers
Cuéntamo is free to start: accounts, transactions, balance forecasting, self-employed taxes and expense splitting. No bank connection, no ads, no card required.
It depends on what you need. Quipu fits if your priority is issuing invoices, automating your accounting and keeping bank reconciliation up to date as an autónomo (self-employed worker in Spain) or small business. Cuéntamo fits if you want balance forecasting, personal finances, expense splitting and debts, net worth and investments, with no bank connection and with privacy — and with your Spanish taxes explained in English. They don't compete on the same ground: Quipu invoices, Cuéntamo forecasts and keeps your finances in view.
No. Cuéntamo doesn't issue invoices, doesn't generate approved numbered series and doesn't act as a Verifactu-compliant invoice issuer. If you need to invoice your clients, Quipu is built for that. Cuéntamo covers the other side: recording your income and expenses, keeping the record books required by the Agencia Tributaria (the Spanish tax agency), calculating your VAT and IRPF (income tax) returns and, above all, forecasting your balance.
No. Quipu connects to your bank and reconciles your transactions automatically. Cuéntamo, as a privacy decision, doesn't connect to your bank: you import your transactions from a file (CSV, Excel, ODS) or from your broker. In exchange, your banking data never leaves your control.
Yes. Quipu includes scanning of receipts and invoices with automatic reading (OCR) to digitise your expenses, with a number of scans depending on the plan. Cuéntamo doesn't offer OCR today: expenses are recorded by hand or by importing your bank statement.
Cuéntamo has a free plan; the Más plan costs €4.99/month (€49.90/year), with an Early Bird price of €3.99/month for the first subscribers. Quipu, according to its public website, has no permanent free plan: its paid plans start at around €17/month (Starter) and go up depending on scans, bank connection and features. Always check the current prices on its website.
Yes, and for many self-employed workers it makes sense. You can invoice and reconcile in Quipu, and use Cuéntamo to forecast your future balance, keep an eye on your personal finances, your net worth and your investments, and split expenses with your partner or business partners. They cover different needs.
Comparison drawn up from public information at getquipu.com (July 2026). Features and prices of both products may change; always check each product's official website. Cuéntamo is not affiliated with Quipu; "Quipu" is a trademark of its owner. If you spot anything out of date, write to [email protected] and we'll fix it.