Wallet shows you where your money went. Cuéntamo does that too, and also tells you how much you'll have: it projects your balance months and years ahead, splits expenses between people, rebuilds your net worth month by month and brings in your transactions without handing your bank credentials to an aggregator. Here's the comparison, point by point.
This comparison is written by the Cuéntamo team: we are an interested party. Who we are.
Feature
Cuéntamo
Wallet
The basics
Accounts, expenses & income
Yes
Yes
Automatic transaction categorisation
Yes
Yes
Quick manual entry (category shortcuts)
Yes
Yes
Budgets with alerts
Yes
Yes
Savings goals
Yes
Yes
Spending charts & reports
Yes
Yes
Personal debts and loans (I owe, they owe me)
Yes
Yes
Doesn't sell your data
Yes
Yes
Currency exchange rates
Daily (ECB)
Real time
Connect the app to AI assistants (Claude, ChatGPT, Cursor…) via MCP
Yes (look up, add transactions and confirm forecasts)
Yes (read-only by default)
Bringing in your transactions
Transactions that come in without typing
Yes, with Habeas (free plan too)
Premium only
Without handing your bank credentials to an aggregator
Yes
—
Banks covered
Habeas banks + any statement file
15,000+ via aggregator
Import statements by file
Yes
Yes
Confidence level when matching each imported transaction
Yes
—
Balance anchors: confirm your real balance and get warned if anything breaks it
Yes
—
Undo and redo (a whole import with Ctrl+Z)
Yes
—
What Wallet doesn't do
Balance forecast (up to 5 years, with alerts)
Yes
Next period only
Split an expense between several people (who owes whom)
Yes
—
Net worth history over time (home, mortgage, vehicle)
Yes
—
Spanish freelancer tax module (VAT, income tax, record books)
Yes
—
No ads · self-hosted analytics
Yes
Partial
Pricing & platform
Free plan
Yes, no ads and unlimited transactions
Yes (manual)
Paid plan
Más, €4.99/month
Premium: monthly, annual or lifetime
Platform
Web · installable app (iPhone, Android, desktop)
iOS · Android · Web
Looking for an alternative to Wallet by BudgetBakers?
If you're here, you've probably run into one of its limits: that getting transactions to come in by themselves means paying for Premium and giving an aggregator access to your bank, or that the app tells you a lot about what has already happened and very little about what's coming. Cuéntamo solves both.
Where they overlap
On the basics, both do the same job: you set up accounts, enter or import transactions and the app categorises them for you. Both have budgets with alerts, savings goals, personal debts, shared books, multiple currencies and spending charts, and both are funded by subscriptions rather than by selling your data. So far, a draw.
Where Cuéntamo wins
Balance forecast. From your salary, your bills and your recurring transactions, Cuéntamo projects each account's balance up to 5 years ahead (6 months on the free plan) and warns you before you go into the red. Wallet shows you your cash flow and what's coming in the next period; Cuéntamo tells you how much money you'll have.
Transactions that come in by themselves, without giving up your credentials. With Habeas, a free local-first browser extension, you log in to your bank yourself and your transactions are read in your own browser: your credentials never pass through Cuéntamo or any aggregator. It's included in the free plan; in Wallet, bank sync is a Premium feature.
Imports that don't drift. Every imported transaction comes with a confidence level when it's matched against what you already had, you can anchor your bank's real balance to a date (and get warned if anything breaks it), and a whole import can be undone with Ctrl+Z.
Who owes whom. Wallet records one-to-one loans. Cuéntamo also splits an expense between several people, with several payers, and the others join from a link without signing up. What you're owed counts in your balance and your forecast.
Net worth with history. It rebuilds your net worth month by month (accounts, investments, home with its mortgage, vehicle), not just today's snapshot.
If you're self-employed in Spain, your tax side too. VAT, income tax and record books in the same place as your household money. Wallet stops at personal and family finances.
What if you want everything to come in by itself?
That's the usual argument for Wallet, and Cuéntamo covers it too: with Habeas, transactions come in without typing and without paying for it. The difference is how. Wallet connects to your bank through an aggregator you give access to; with Cuéntamo, your credentials stay with you. And if your bank isn't on Habeas yet, the statement you download from its website (CSV, Excel or ODS) goes in with a couple of clicks and categorises itself.
Where we still have ground to cover. Wallet reaches more banks today: its aggregator covers more than 15,000 institutions, and Habeas doesn't connect to every bank yet (for the rest, the statement file). Its exchange rates are real time, versus the daily ECB rates Cuéntamo uses, and its debts send due-date reminders, which Cuéntamo doesn't send yet.
Try it with your own numbers
Free, no ads, unlimited accounts and transactions, no card required. Import your statement or use Habeas, and in a few minutes you'll see how much money you're going to have.
It depends on your bank and on what you want to see. If you want transactions to come in by themselves from almost any institution (more than 15,000, via an aggregator) or you need real-time exchange rates, Wallet is ahead. If you'd rather not give an aggregator access to your bank and you want to forecast your balance years ahead, split expenses between several people or, if you're self-employed in Spain, handle VAT and income tax, Cuéntamo covers that side. Both have a free plan, so you can try both at no cost.
Both have good reports on what has already happened: spending by category, trends and cash flow. Cuéntamo adds a monthly category-by-month matrix and, above all, reports on what's going to happen: the forecast chart with your future balance, the month-by-month detail and negative-balance alerts.
Yes, on its Premium plan, through an aggregator covering more than 15,000 institutions (coverage depends on your country and bank). Cuéntamo doesn't connect to your bank through any aggregator, for privacy, but transactions still come in without typing: with the Habeas extension (local-first and free) you log in to your bank yourself and they're read in your own browser, without your credentials passing through anyone. Habeas doesn't connect to every bank yet; for the rest, you import the statement file (CSV, Excel, ODS) or your broker's.
Both state that they don't sell your data and are funded by subscriptions. The difference is how transactions come in: for them to arrive by themselves, Wallet needs you to give an aggregator access to your bank (with encryption and ISO 27001 certification); in Cuéntamo you import by file or with Habeas, which reads the transactions in your own browser, so your credentials never leave your device. Cuéntamo also has no ads, and its analytics are self-hosted.
Then the gap gets wider. Wallet is a personal and family finance manager; if you're self-employed in Spain, Cuéntamo also handles your VAT, your income tax and your record books in the same place as your household money, without splitting you across two apps. The freelancer module has a free 14-day trial and is included in Cuéntamo Más.
Both have a free plan. Cuéntamo's has no ads, unlimited accounts and transactions, a 6-month forecast and Habeas import; Cuéntamo Más costs €4.99/month (€49.90/year), with an Early Bird price of €3.99/month for the first subscribers. Wallet Premium, which is where bank sync lives, has 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 and its help centre and its MCP integration page (reviewed September 28, 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.