Cuéntamo vs Wallet (BudgetBakers): the honest comparison
Wallet connects to your bank through an aggregator and has well-built visual reports. Cuéntamo takes a different road: it deliberately doesn't connect to your bank, for privacy —you import your statements as files— and focuses on balance forecasting up to 5 years ahead, expense & debt splitting and net worth. 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
Quick manual entry (category shortcuts)
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
Automatic bank sync via aggregator (15,000+ banks)
File-based (privacy)
Yes
Real-time exchange rates
Daily (ECB)
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 history over time
Yes
—
No bank connection (100% file-based)
Yes
—
Also works on desktop (full browser)
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
Looking for an alternative to Wallet by BudgetBakers?
If you are here, either Wallet by BudgetBakers is not quite fitting or you are checking before you decide. This page will not try to talk you round: it says where Wallet by BudgetBakers 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 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
Wallet (by BudgetBakers) is a 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 good choice:
Charts and reports. One of its trademarks: visual reports of spending, trends, cash flow and predictive analysis. If visual reports matter most to you, this is a strong point of Wallet.
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 —and you don't mind handing your credentials to an aggregator—, Wallet does that. Cuéntamo deliberately doesn't connect to your bank, for privacy, and you import as files instead.
Multi-currency. Support for multiple currencies with real-time exchange rates, built for people who move money across currencies.
Where Cuéntamo shines
Cuéntamo puts the focus 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 5 years ahead and warns you before you go into the red. It's the headline feature: Cuéntamo tells you how much money you'll have.
Import without handing your credentials to a third party. Wallet 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. 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 visual reports, a native app and, above all, an app that connects to your bank so transactions flow in by themselves — assuming you're happy sharing your credentials with an aggregator — Wallet fits well there. For international, multi-currency household use, with broad bank coverage, it's a solid option.
Summary. Want visual reports, a native app and a bank connection via aggregator 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.
For most people, Cuéntamo. Its flagship feature is real balance forecasting years out, and it adds expense and debt splitting, net worth and investment tracking, statement imports, shared books and (if you freelance in Spain) a full tax module, and it runs on the web, desktop, Android and iPhone. Wallet (BudgetBakers) has its strengths (polished visual reports, a native app and automatic bank sync with more than 15,000 banks via an aggregator), but those are narrower advantages next to what Cuéntamo covers; Cuéntamo skips bank connection on purpose, for privacy, not for lack of resources. 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.
Visual reports are a strong point of Wallet: it's one of its trademarks, with spending charts, trends, cash-flow views and predictive analysis. Cuéntamo has solid reports (category donuts, a monthly matrix, analysis and forecast charts), with a different focus, more oriented to forecasting and to what you do with your numbers.
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), 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—.
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.