Alternatives to Fintonic for tracking spending
If you want transactions to arrive automatically, check Wallet or Spendee’s bank compatibility first. If you prefer choosing which data to add, compare Neto, Dinerio and Aurio. This selection covers expense tracking, not loans or credit scores.
Published by Aurio, one of the products compared.
Desk review of official sources on 13 November 2026. This is not a hands-on test of every app or a quality ranking. Order follows use cases; prices and features may change.
Options for different needs
| Option | What it suits | Price and access | Limitation to consider |
|---|---|---|---|
| Wallet by BudgetBakers | Synchronise and categorise bank transactions. | Check the current plan and price in the app. | We have not checked support for a specific Spanish account: verify it before subscribing. |
| Spendee | Manual tracking or shared wallets; bank connection with Premium. | Free manual plan; Plus adds shared wallets. | Its website shows US App Store prices; we do not present those as Spanish prices. |
| Dinerio | Spending, budgets, net worth and couples finances without bank access. | 14-day trial; €3.99/month, €35.88/year or €99.99 once. | Paid after the trial. These are standard rates; promotions have separate dates and conditions. |
| Neto | Spending, accounts and net worth without connecting banks. | Free; PRO €49.99/year on iPhone or €59.99/year on Android. | Current net worth is free; its history and unlimited CSV export require PRO. |
| Aurio | Personal and shared expenses, budgets and net worth, in Spanish and English. | Free; Premium €49.99/year or €5.99/month. Seven-day trial on the monthly plan only. | No bank-account synchronisation. Update through entries, statements or Shortcuts; Aurio does not move money. |
| YNAB | Plan available money using its method and view reports. | Website: USD 109/year or USD 14.99/month, plus applicable tax; 34-day trial. | No permanent free plan. Sharing a subscription with up to six people is not the same as splitting a debt. |
Is Fintonic free, and how does it make money?
Its official Spanish listing presents the app as free and explains that financial institutions pay when a user takes out a loan. That model alone does not demonstrate poor privacy practices: review permissions and terms for the features you want.
What requires a bank connection
Wallet’s bank synchronisation and Spendee Premium’s bank connection require linking an account to retrieve transactions. Neto, Dinerio and Aurio work without that connection. A manual Spendee wallet does too. Recording several accounts does not mean they are synchronised.
Before switching: keep and check your data
Keep the original export and check dates, signs, categories and balances with a small sample. Aurio has no dedicated Fintonic importer: if you have a compatible CSV or Excel file, use generic import and review the result. We do not promise automatic transfer of categories, rules or complete history.