Cuéntamo vs Quipu: the same quarter, two approaches

Looking for an alternative to Quipu?

If you're here, one of these probably sounds familiar: you pay every month for a program built for invoicing when what you really watch is the quarter, cash-flow forecasting sits in the most expensive plan, or your personal money lives in another app (or nowhere). Cuéntamo solves all three.

Where they overlap

Both understand autónomos and Spanish taxes: they record your income and expenses, calculate modelo 303 (quarterly VAT) and modelo 130 (IRPF advance payments), keep the record books required by the Agencia Tributaria (the Spanish tax agency) and handle deductibility and depreciation. If your question is "how much do I pay this quarter?", both answer it. So far, a draw.

What Cuéntamo adds on tax

• Eight regimes, not just the common one. The common territory, the four foral regimes (Navarre, Bizkaia, Gipuzkoa and Araba/Álava), 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: that's exactly where your numbers either work or don't.
• Exact deductibility. The car at 50%, the meal whose VAT you can't deduct: you set it once per category or tag and it's applied automatically on the 303 and the 130, with non-deductible VAT becoming a cost for IRPF. Invoices with several VAT rates are broken down line by line.
• The whole year, not just the quarter. Annual summaries 390 (or 425 in the Canaries), 190 and 180, cash accounting if you've opted into it, and a forecast of your annual income tax return with the state scale and your region's.
• Depreciation with the official tables, spread quarter by quarter on the 130 as the rules require.

And what an invoicing program doesn't do

• You know how much of your money is yours. The 303 and the 130 show up as expected payments with their amount, inside your balance forecast (up to 5 years), and on the home screen you get "How much can I spend?" with taxes, fixed costs and your safety cushion already taken off. Quipu offers a cash-flow plan with forecasting and scenarios on its Premium plan, at €59/month; in Cuéntamo the forecast builds itself from your recurring transactions, and the scenario simulator shows you what happens if you lose a client or add an expense.
• A forecast never counts twice. In Cuéntamo a forecast transaction is never added on top of its payment: when you confirm it, or when the statement import matches it, it becomes the real one.
• Balance anchors and undo. You confirm how much you really had in the bank on a given date and Cuéntamo keeps checking it still adds up; if something breaks it, you see the difference in euros and can undo back to that point. And Ctrl+Z reverts transactions: a whole bank import is one undoable action.
• Your business and your life, in the same book. You mark each transaction as personal or freelance, and around it you have your net worth, your investments with their capital gains, your budgets and expense splitting with your partner or business partners.
• Import without handing over your credentials. Upload your statement (CSV, Excel, ODS), your broker's, or 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). Every matched transaction comes with its confidence level and an explanation, instead of being applied silently.
• Receipts with in-house recognition. Snap the receipt, Cuéntamo fills in amount, date and merchant and keeps the photo as proof; if it's a business expense, the supplier's tax ID and the VAT go into your expense book. The image never goes to a third party.
• Genuinely bilingual. Quipu is built in Spanish for a Spanish audience; Cuéntamo works in English and Spanish, so your Spanish taxes come explained in your language.
• Price. All of the above, freelancer module included, costs €4.99/month. Quipu's plans run from €17 to €59/month, with invoicing and accounting included.

What about your gestor?

Cuéntamo doesn't replace the judgement of someone who knows your case. What it does is get 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, and save them work.