Net worth apps in Spain (2026)

What goes into your net worth (and what's hard)

Net worth = what you own minus what you owe. Accounts and investments are the easy part: any decent app shows you their balance or market value. What separates one app from another are the three pieces that change value without any transaction hitting your account:

• The mortgage. Every instalment brings the outstanding principal down a little. If you enter it by hand, your net worth is wrong from the following month. And if it's variable, the instalment and the pace of repayment change at every review with the Euribor.
• The car. It's worth less every year. If you don't update it, your net worth inflates on its own.
• Your home. Usually the biggest item, and nobody really knows its value until you sell it.

What each one does

1. Cuéntamo

Your net worth comes from your accounts, your investment positions at market value (crypto too) and fixed-income products, plus the assets and liabilities you add yourself. That's where it pulls away from the rest:

• Mortgages and loans that go down on their own, following the French amortisation schedule. If they're variable-rate, Cuéntamo simulates month by month with the historical 12-month Euribor (the ECB series) plus your spread, and recalculates the instalment at every review.
• The car depreciates on its own, linearly from the purchase price down to its residual value.
• Your home goes from what you paid to the valuation you give it, and you can link it to its mortgage. If you're buying, the home purchase assistant works out the transfer tax (ITP) or stamp duty (AJD) for any of Spain's 19 territories and stores the full purchase cost, taxes and fees included.
• Gold and silver are valued by weight and purity at the day's price.

All with history: you can see how your net worth has evolved month by month. The total and the breakdown are free; the history and the manual assets and liabilities (home, car, mortgage) are part of Cuéntamo Más. And on top of your net worth, Cuéntamo tells you how much money you'll have in each account over the coming months.

2. OpenCap

Free and in Spanish, on the web. It's the only one on the list that revalues your home automatically with Spanish data: it applies the INE house price index for your province from the purchase date. Cuéntamo doesn't do that. It calculates the mortgage with a theoretical French amortisation, but doesn't record real payments or changes to the loan, and doesn't handle variable rates.

3. Exirio

It updates the mortgage balance every month according to its terms, at a constant instalment. If it's variable, you have to edit the rate yourself every time it changes. It charges in dollars (from $89/year) and the app is in English.

4. Finttery, eXcenda, Dinerio, Neto and Margen

They all calculate your net worth and track your investments, but in none of them does the car depreciate on its own: you update it yourself. The mortgage is where they differ. Since version 2.2 (10 September 2026), Margen subtracts the instalments you pay from the outstanding balance automatically; its listing says nothing about variable rates, and it estimates your home's value on its Premium plan without explaining how. In September eXcenda added mortgage management with overpayments and rate changes, help deciding when to overpay, and a property's purchase costs (notary, taxes, land registry, agency fees, valuation, estate agent, mortgage, renovations), which count towards its acquisition value and return; it doesn't say it tracks the Euribor either. Dinerio says it plainly in its guide: the mortgage's outstanding principal "from your last statement". Finttery links the mortgage to the property and advertises debt automation on its paid plan without detailing it.

5. Kubera and Portfolio Performance

Kubera is a well-known international option, but it's English-only, costs $250/year and its automatic home valuation only works in the US. Portfolio Performance tracks an investment portfolio well and is free, but it has no liabilities: without the mortgage there's no real net worth.

Our pick: Cuéntamo

We have a stake in this, so here are the reasons, against the table above:

• The mortgage kept up to date without touching it. It's the only one on the list that pays it down on its own even when it's variable, with the real 12-month Euribor and your spread. Exirio makes you change the rate at every review, OpenCap doesn't record your real payments, and Margen and eXcenda handle the mortgage but don't say they track the Euribor.
• The car depreciates on its own down to its residual value, without you updating it, and gold or silver are valued at the day's price.
• Your whole net worth, not just your assets. Accounts, investments at market value, fixed income, property and debts, with month-by-month history.
• In Spanish or English, in euros, on any device. Web, Android and iPhone; Kubera and Exirio are English-only and charge in dollars, and Margen is iPhone-only.
• And it looks ahead. It tells you how much money you'll have in each account, day by day, over the coming months: the question a net worth app doesn't usually answer.

If you're happy to enter everything by hand and just see the number, Dinerio, Neto or eXcenda also give you the total.