Spendee is an international PFM with a gorgeous design, a connection to your bank and shared wallets. Cuéntamo goes beyond day-to-day tracking: balance forecasting up to 5 years ahead, expense & debt splitting, net worth — with no bank connection at all. Here's which one fits what you're after, no sugar-coating.
Feature
Cuéntamo
Spendee
The basics — where they overlap
Expense & income tracking
Yes
Yes
Automatic transaction categorisation
Yes
Yes
Budgets with alerts
Yes
Yes
Savings goals
Yes
Yes
No ads
Yes
Yes
Where Spendee shines
Design & data visualisation
Solid
Excellent
Automatic bank sync
—
Yes
Shared wallets (multiple people, real time)
Shared books
Yes
Cash-flow view (money in/out)
Yes
Yes
Travel wallets
—
Yes
Where Cuéntamo shines
Import without handing your credentials to a third party (Habeas browser extension, local-first)
Yes
—
Balance forecast (up to 5 years, with alerts)
Yes
—
Expense & debt splitting (who owes whom)
Yes
—
Net worth
Yes
—
Investments (portfolio, capital gains)
Yes
—
Full privacy (no bank connection)
Yes
—
Spanish freelancer tax module (optional)
Yes
—
Pricing & platform
Free plan
Yes
Yes
Paid plan
€4.99/month
$1.99–$5.99/month
Platform
Web · PWA (Android/iOS)
iOS · Android · Web
Looking for an alternative to Spendee?
If you are here, either Spendee is not quite fitting or you are checking before you decide. This page will not try to talk you round: it says where Spendee is better, where Cuéntamo is, and who each one suits. If your answer at the end is «I will stay where I am», that is a useful answer too.
Where they overlap
At their core, both do the same job: showing you where your money goes. You record transactions, the app categorises them for you, you set budgets with alerts and mark savings goals. Both have a free plan, and neither fills your screen with ads. If all you want is to keep tabs on the month's spending, either will serve you well.
Where Spendee is ahead
Let's be fair: Spendee has been around for years as an international PFM, and it shows. There are things where it's ahead of Cuéntamo:
Design and visualisation. Spendee is known for its polished visual design and its charts.
Bank sync. You link your bank and transactions flow in by themselves, no files to import. For many people that's the difference between sticking with an app and abandoning it.
Shared wallets. Several people manage the same wallet in real time — great for couples, families or flat shares.
Multi-currency and travel. Wallets in different currencies, designed for travellers and digital nomads.
If those four things are your priority — especially automatic bank sync and a beautiful app — Spendee is a very solid choice.
Where Cuéntamo is ahead
Cuéntamo doesn't compete on being "the pretty spending app"; it competes on doing more with your numbers:
Balance forecast. From your recurring transactions, it projects your balance up to 5 years ahead and warns you before you go into the red. Spendee doesn't forecast — Cuéntamo tells you how much money you'll have.
Import without handing your credentials to a third party. Spendee aggregates your accounts by connecting to your bank; Cuéntamo doesn't. 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, record debts and settle up. Spendee shares a wallet, but doesn't calculate debts or settlements.
Net worth and investments. Your full net worth plus portfolio tracking with capital-gains reporting.
Privacy. Cuéntamo never connects to your bank, by design: you import statements as files (CSV, Excel, ODS). Your banking data never passes through an intermediary.
And if you freelance in Spain, there's a full Spanish tax module — but that's an extra; this comparison is about everyday use.
When Spendee is the better choice
If you want a very visual app that syncs with your bank automatically and that you share with your partner in real time, and you don't need long-term forecasting, debt calculation or investment tracking, Spendee is the better fit. Its strong suit is precisely what Cuéntamo deliberately stays away from for privacy reasons: bank sync and visual polish.
Summary. Want a beautiful app, with your bank connected and shared wallets for day-to-day spending? Spendee. Want to also know your future balance months ahead, split expenses and debts, follow your net worth and investments, and keep your banking data to yourself? Cuéntamo. Both are free to start, so you can try them without risking anything.
Try it with your own numbers
Cuéntamo is free to get started: accounts, transactions, forecast and expense splitting. No bank connection, no ads, no card required.
For most people, Cuéntamo. On top of tracking spending, it forecasts your balance up to 5 years ahead from your recurring movements, splits expenses and debts between people, tracks your net worth and investments, shares books with whoever you like and adds an optional Spanish tax module if you freelance, all without connecting your bank or selling your data. Spendee is strong if you want a very visual app with automatic bank sync and shared wallets to track spending as a couple or family, but it's a consumer PFM focused on the picture of your spending, not on forecasting or tax. Our goal is to be the best personal-finance app for households and freelancers, and where we're not there yet, we work on it every day. Both have a free plan, so you can try them at no cost.
Correct. Spendee offers automatic bank sync: you link your bank and it pulls in transactions by itself. Cuéntamo, by design, does not connect to your bank: you import your statements as files (CSV, Excel, ODS), from your broker, or with the Habeas browser extension (local-first), where you log in to your bank yourself and it reads the movements in your own browser —it doesn't (yet) connect to every bank—. It's a privacy decision: your banking data never passes through a third party. If having everything flow in automatically is what you value most, Spendee is ahead there.
Yes. Cuéntamo splits an expense between several people, records debts and lets you settle up, with a view of who owes you and whom you owe. Spendee offers shared wallets (several people managing the same wallet in real time), but no debt calculation or settling-up between people.
Both have 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. Spendee has paid Plus ($1.99/month) and Premium ($5.99/month) plans, priced in dollars and possibly varying by country; bank sync and shared wallets depend on the plan.
Yes, at several things: balance forecasting up to 5 years ahead with alerts, expense and debt splitting, net worth and investment tracking, and full privacy (no bank connection). Spendee, on the other hand, shines at design and visualisation, automatic bank sync and shared wallets.
Comparison based on publicly available information from spendee.com (July 2026). Features and prices of both products may change; always check each product's official website. Cuéntamo is not affiliated with Spendee; "Spendee" is a trademark of its owner. If you spot anything out of date, write to us at [email protected] and we'll fix it.