How Cuéntamo works

The idea in one sentence

You tell Cuéntamo what you earn and what you pay each month, and it tells you what your balance will be on any given day over the next two years. No spreadsheets, no end-of-month surprises.

1. Add your accounts

Enter your bank account, credit card, cash on hand and savings fund. Each one with today's balance. That number is the starting point.

2. Enter what repeats every month

Your salary, mortgage, Netflix, car insurance, gym membership. Everything you know will happen for sure. These are called recurring items and they are the most important step: if you skip this, the forecast won't work.

You don't need to be exhaustive on day one. Start with the 4–5 biggest ones (salary, mortgage, utilities) and add the rest as you go.

3. Cuéntamo projects your balance

With that it can already chart your balance day by day for the next 24 months. If in March you're going to be in the red because the car service and home insurance coincide, it warns you three months in advance.

4. Set up the (+) button for daily expenses

For one-off expenses — coffee, the pharmacy, a drink — tap the + button in the bottom-right corner. There you set up shortcuts to your usual categories, and logging an expense takes just two taps.

Tip: if there are "irregular" but predictable expenses — you go to the supermarket every Friday and spend about €90 — add them as a weekly recurring item with that estimated amount. The forecast becomes much more realistic, and when Friday comes you adjust the exact figure when you validate it.

5. Validate when it happens

When the bank charges your mortgage on the 1st, you mark that forecast movement as ✓ and it becomes fixed: it is now part of the real history, its amount won't be recalculated even if you change the recurring item. Next month's forecast is still there waiting for its day.

If you prefer not to go one by one, download your bank statement and upload it to Cuéntamo with the bank import. It matches everything that was already forecast and categorises the rest.

What you'll notice after one month

• Validating an entire month takes you 5 minutes.
• You know fairly accurately what your balance will be on the 25th.
• The "surprises" of the property tax bill or insurance payment stop being surprises.
• When you think "can I afford to change my car?", you open Cuéntamo and see the answer.

Three words you'll hear a lot

Real vs. forecast

A real movement already happened: the salary came in on the 25th. A forecast one is planned: next month's salary. Confirming a forecast = marking it as real when it happens.

Recurring item

A template. The €850 mortgage on the 1st of every month for 25 years: that is a recurring item. You set it up once and Cuéntamo generates 300 forecast movements on its own.

Account book

Your workspace. You can have several: one for home, another shared with your partner, another for your freelance activity. Each book has its own accounts, categories and movements.