Comparison

Fider vs Fintonic

Fintonic and Fider solve the same problem with two philosophies. Fintonic aggregates your bank accounts and funds itself by offering financial products. Fider never touches your bank and funds itself with a subscription. That difference shapes everything else.

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LFLucía FerrerPROSample dataSearch

Net worthYour finances, at a glance.€184,250.00+3.20%+€5,710.00Updated at 09:41

1W1M3M1YAll

Where your money isLiquidity 10%Investments 29%Real estate 61%

Liquidity€32,400.00Cash and accounts
Investments€96,850.00Funds, ETFs, stocks
Real estate€210,000.00Total value
Debt€155,000.00Outstanding balance

Recent movements

Estudio Norte10 Sep · Invoicing+€2,450.00
Supermarket9 Sep · Food-€86.40
Rent1 Sep · Housing-€950.00
Index fund1 Sep · Savings-€400.00

Capital flow

Fider and Fintonic, side by side
	Fider	Fintonic
Platform	Web (PWA): Android, iOS and desktop	iOS and Android
History	Unlimited	Not stated
Tax features (303 and 130)	Modelo 303, 130 and 349 drafts	Not stated
Invoices	Yes	Not stated
CSV export	Yes, on the free plan	Not stated
Dark mode	Yes	Not stated
Login	Google, Microsoft and email	Not stated
Languages	Spanish and English	Spanish
Price	Free; PRO 4.99 €/month or 39.99 €/year	Freemium with financial product offers. Check their site

Two different models

Fintonic connects to your banks to read transactions and offers loans and insurance inside the app. Fider asks for no banking credentials: you import a statement, a CSV or your email receipts, and pay a subscription if you want PRO.

What Fider adds

Beyond spending, Fider prices investments and crypto in real time, separates personal, freelance and company into wallets, and computes modelo 303 and 130 drafts. It is web based, has dark mode and exports CSV for free.

Separate personal and freelance accounts

When to choose Fintonic

If what you want is transactions appearing on their own from your bank and you do not mind a business model based on financial offers, Fintonic saves you the import step. It is a mature app in the Spanish market.

You prefer a bank connection to importing statements.
Your financial life is personal only.
Seeing financial product offers does not bother you.

When to choose Fider

Fider makes sense when you have more than one financial life in the same app: personal, freelance and, if you have one, a company. Every transaction carries its wallet and you can look at one, two or all three together.

You are self-employed in Spain and want the modelo 303 and 130 drafts without copying figures into another tool.
You work from a computer and want a real web app, with dark mode.
You want the full history, not a window of a few months.
You prefer not to connect your bank: import a PDF or CSV statement and review it.
You share the numbers with your accountant and want them to see exactly what you see.

What Fider does with your taxes

The tax engine is deterministic: it adds up your income, applies each expense's deductible share and fills the modelo 303 and 130 drafts box by box. It is a draft to review with your advisor, not a filing.

Does Fider connect to the bank like Fintonic?

No. Fider works without a bank connection: manual entry, CSV, AI-read PDF statements and Outlook receipts. Fintonic does aggregate bank accounts.

How is each one funded?

Fintonic is freemium and offers financial products inside the app. Fider has a free plan and a PRO subscription at 4.99 €/month or 39.99 €/year.

Which one works if I am self-employed in Spain?

Fider carries a freelance wallet with modelo 303 and 130 drafts. That feature is not stated for Fintonic.

Does Fintonic have a web version?

Fintonic is on iOS and Android. Check their site for the rest. Fider is a web app that installs on any device.

Which one tracks my investments?

Fider prices crypto, stocks, ETFs and funds in real time with a timestamp on every price. Not stated for Fintonic.

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