Cuéntamo adds up your mortgage, school, bills and salary, and shows your balance for the next 24 months. You see the overdraft months before your bank does.
Get my finances in orderNo credit card required · 30-day free trial for shared account books
Who is it for?
Start your financial life knowing every dollar that comes in and goes out. Your money, your rules. The app that helps you manage your first paycheck better than the bank does.
Same accounts, same page. Share expenses and forecasts without giving up privacy over your personal finances.
Mortgage, school fees, insurance, summer camps... The balance forecast shows you months in advance whether summer is going to be tight or if there is room to breathe.
Rent, the shared groceries, the electricity bill. Split every expense, track who owes whom and settle up in one tap. No more spreadsheet that nobody keeps up to date.
How it works
Paychecks, mortgage, insurance, subscriptions, school fees. Tell Cuéntamo once and it puts them on the calendar every month.
It automatically projects your balance for the coming months, account by account. If something is about to go into the red, you will know before it happens.
Expenses are already forecasted. All you need to do is confirm or adjust. Much faster than logging everything by hand, and nothing slips through the cracks.
Real-life examples
The school enrollment deposit. Cuéntamo has it marked. You see it coming weeks ahead. No more last-minute surprises.
The water bill from the HOA. It hasn't been charged in months. With Cuéntamo you notice, because the forecasted expense was never confirmed.
August with three weeks of vacation. The forecast shows back in March that August's balance dips more than usual. Plenty of time to plan ahead.
Everything you need
Because peace at home starts with knowing where the money is. No surprises, no arguments.
No more sending screenshots over text. Everyone sees the same thing: balances, expenses, forecasts. In real time. No misunderstandings.
Mortgage, school, insurance, weekly groceries. Cuéntamo adds it all up and tells you whether this month will be tight or comfortable. Weeks before it happens.
How much can you spend on dining out this month? Set a cap and Cuéntamo signals: green, amber, red. No lectures, just data.
Decide how much and by when. Cuéntamo calculates the monthly contribution, creates it automatically, and shows your progress. Seeing yourself move forward is the best motivation.
Prefer keeping separate finances? Link an account between both books. Every transaction is reflected automatically in the other. The best of both worlds.
Move money between accounts without it looking like an expense. From paycheck to savings, from savings to the holiday jar.
Checking, credit card, cash, savings account. All balances up to date. One glance to know where you stand.
Create categories that make sense for your life. Cuéntamo automatically suggests the right category based on the description.
Tag expenses so you can see them grouped later. One expense can be "Food" and "Vacation" at the same time. Filter by tag on any screen.
The million-dollar question, answered with charts. Donut, bar, monthly trends. For when you say "we don't spend that much" and then see the numbers.
Install it on your phone straight from the browser. No app store, no weird permissions. Always available.
Import bank statements (CSV, Excel). Cuéntamo detects the columns and categorizes the transactions. Switch tools without losing your history.
DeGiro, MyInvestor, the bitcoins, the one-year deposit. You log what you've got and Cuéntamo pulls the quote on the spot. Unrealised gain, right next to the bank balance. No second app.
Shared expenses & debts
Dinner with friends, a shared flat, a trip, a loan to family. Cuéntamo keeps the tally so nobody has to remember.
You paid for a dinner split four ways. Enter the total, pick the others and split it “equally” (or however you like). Your share counts as an expense; the rest is logged as what each person owes you.
One account per person: loans, advances, shared costs. The balance tells you at a glance how much you're owed or you owe. Log “I owe” or “they owe me” in two taps.
When the debt is paid, tap “Settle” and Cuéntamo reconciles the payment with your account. And if that person also uses Cuéntamo, you can connect the account and see it from both sides.
Investments
Stocks, funds, deposits, crypto. Same place as the rest of your accounts. To know how it's going, without juggling tabs.
Every buy moves cash out of the broker account. Cuéntamo pulls the day's quote and back-fills the history when you link the instrument. If your deposit pays a monthly coupon, it shows up as recurring income — no setup. Unrealised gain, in green or red, on each position.
What you actually earned, not what the fund's fact sheet says. TWR to benchmark against an index, MWRR to know if your contribution timing was any good. Import the DeGiro or Trade Republic CSV in one click. And come tax season, FIFO capital gains ready for the IRPF return, with 4-year loss carryforward already netted out.
Quick access
A customizable menu with your favorite categories, available on mobile and desktop. Confirm pending transactions or create new ones with a couple of taps.
Tap a category and the transaction is created with everything pre-filled: account, description, and amount. Just confirm.
Choose which categories appear, with what icon and color, and in what order. Drag to rearrange. The menu adapts to how you spend.
Forecasted expenses that should have already occurred appear at the top, ready to confirm. Upcoming ones are right below.
Cuéntamo also helps if you are a freelancer:
Pricing
Sharing your account book is free for 30 days. After that, Cuéntamo Más at 4.99 €/month includes up to 5 members and 24-month forecasting.
See plansStart organizing your finances today. No surprises at the end of the month.
Get my finances in order