Cuéntamo vs Wallet (BudgetBakers): the honest comparison
Wallet is a very polished personal-finance manager: beautiful charts, a native app and a connection to your bank. Cuéntamo takes a different road: balance forecasting up to 24 months ahead, expense & debt splitting, net worth, and privacy with no bank connection at all. Here's which one suits you, no sugar-coating.
Feature
Cuéntamo
Wallet
The basics — where they overlap
Accounts, expenses & income
Yes
Yes
Automatic transaction categorisation
Yes
Yes
Budgets with alerts
Yes
Yes
Savings goals
Yes
Yes
Net worth & investment tracking
Yes
Yes
Doesn't sell your data
Yes
Yes
Where Wallet shines
Charts & visual reports
Solid
Its strong suit
Native iOS & Android app
PWA
Yes
Automatic bank sync (15,000+ banks)
—
Yes
Real-time exchange rates
Daily (ECB)
Yes
Where Cuéntamo shines
Balance forecast (up to 24 months, with alerts)
Yes
—
Expense & debt splitting (who owes whom)
Yes
—
Net worth history over time
Yes
—
No bank connection (100% file-based)
Yes
—
No ads · self-hosted analytics
Yes
Partial
Spanish freelancer tax module (optional)
Yes
—
Pricing & platform
Free plan
Yes
Yes
Paid plan
€4.99/month
Monthly/annual/lifetime
Platform
Web · PWA (Android/iOS)
iOS · Android · Web
Where they overlap
At their core, both do the same job: showing you where your money goes. You set up accounts, record transactions (or import them) and the app categorises them for you. Both have budgets with alerts, savings goals, net worth and investment tracking, and both state that they don't sell your data and are funded by subscriptions. If you're after a polished app for everyday household money, either will do the job.
Where Wallet shines
Let's be fair: Wallet (by BudgetBakers) is a very well-crafted product, and there are things where it's ahead of Cuéntamo today. If these are what matter most to you, it's a great choice:
Charts and reports. Its trademark. Very polished visual reports of spending, trends, cash flow and predictive analysis. If you want the prettiest charts, Wallet wins here.
Native app. Native applications for iOS and Android, plus web. Cuéntamo is a PWA (it runs in the browser and installs like an app, but it's not native).
Automatic bank sync. It syncs with more than 15,000 banks worldwide and imports your transactions by itself (coverage depends on your country and bank). If you want everything loaded without touching a file, Wallet does that.
Multi-currency. Support for multiple currencies with real-time exchange rates, built for people who move money across currencies.
Where Cuéntamo shines
Cuéntamo doesn't compete on "pretty charts": it competes on what you do with your numbers and on privacy. It covers things you won't find in Wallet:
Balance forecast. From your recurring transactions, it projects your balance up to 24 months ahead and warns you before you go into the red. It's the headline feature: Cuéntamo tells you how much money you'll have.
Who owes whom. Split an expense between several people, record debts and settle up. Great for couples, families and flat shares.
Net worth with history over time. It reconstructs the month-by-month evolution of your net worth (accounts, investments, home, loans), not just a snapshot of today.
Radical privacy. It never connects to your bank: you import statements as files (CSV, Excel, ODS) or from your broker. No ads, and analytics are self-hosted.
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 Wallet may fit you better
If what you value most is the most eye-catching charts and reports, a well-crafted native app and, above all, an app that connects to your bank so transactions flow in by themselves — and you don't mind sharing your credentials with an aggregator — Wallet is very polished at exactly that. For international, multi-currency household use, it's a solid option.
Summary. Want the prettiest charts, a native app and a bank connection that imports everything by itself? Wallet. Want to know your future balance months ahead, split expenses and debts, follow your net worth over time, and keep your banking data inside your own statement files? Cuéntamo. Both are free to start, so you can try without spending a cent.
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.
It depends on what you're after. Wallet (BudgetBakers) is a very polished personal-finance manager: it stands out for its charts and reports, its native app and automatic bank sync with more than 15,000 banks. Cuéntamo stands out for balance forecasting up to 24 months ahead, expense and debt splitting, net worth tracking and privacy, because it never connects to your bank (and, if you freelance in Spain, there's a full Spanish tax module). Both have a free plan.
On visual reports, Wallet is ahead: it's one of its trademarks, with very polished spending charts, trends, cash-flow views and predictive analysis. Cuéntamo also has solid reports (category donuts, a monthly matrix, analysis and forecast charts), but if eye-catching charts are what you value most, Wallet is the pick.
Yes. Wallet offers automatic bank sync with more than 15,000 banks worldwide, importing transactions and balances in near real time (actual coverage depends on your country and bank). Cuéntamo, as a privacy decision, does not connect to your bank: you import your transactions as files (CSV, Excel, ODS) or from your broker.
Both state that they don't sell your data and are funded by subscriptions. The practical difference is that Cuéntamo never connects to your bank: your banking data never leaves your statement file or passes through an aggregator. Its analytics are also self-hosted, and there are no ads. Wallet does offer bank connectivity (with encryption and ISO 27001 certification), which means sharing credentials with the aggregator.
Wallet is a personal and family finance manager. Cuéntamo is built for households too, but if you freelance in Spain it also includes a full optional Spanish tax module. It's an extra: this comparison focuses on everyday home use.
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. Wallet Premium is a paid tier with monthly, annual and one-off (lifetime) plans; the exact price varies by country and promotion and is shown in the app before you subscribe.
Comparison based on publicly available information from budgetbakers.com (July 2026). Features and prices of both products may change; always check each product's official website. Cuéntamo is not affiliated with Wallet or BudgetBakers; "Wallet" and "BudgetBakers" are trademarks of their owner. If you spot anything out of date, write to us at [email protected] and we'll fix it.