Where they are alike
Both show live net worth and both read PDF bank statements with AI. Neither uses open banking. The paid plan costs the same: 4.99 € a month or 39.99 € a year.
Comparison
Fider vs Margen
Margen and Fider share the promise of net worth in one live number and AI import of PDF bank statements. The difference lies in where they run, what they let you take out, and what they do with taxes.
| Fider | Margen | |
|---|---|---|
| Platform | Web (PWA): Android, iOS and desktop | iOS and macOS only |
| History | Unlimited | Not stated |
| Tax features (303 and 130) | Modelo 303, 130 and 349 drafts | No |
| Invoices | Yes | Not stated |
| CSV export | Yes, on the free plan | No |
| Dark mode | Yes | Not stated |
| Login | Google, Microsoft and email | No SSO |
| Languages | Spanish and English | Spanish only |
| Price | Free; PRO 4.99 €/month or 39.99 €/year | 4.99 €/month or 39.99 €/year |
Where they part ways
Margen only exists on iOS and macOS and is Spanish only. It does not export CSV and has no SSO. Fider runs in any browser, exports CSV on the free plan, signs in with Google or Microsoft, and is available in Spanish and English.
- Margen: iOS and macOS, no export, no tax features.
- Fider: web on any device, free CSV, modelo 303 and 130 drafts.
When to choose Margen
If you live in the Apple ecosystem, your financial life is personal only and you want a polished native app, Margen fits. Its focus on live net worth is solid.
- You use an iPhone and a Mac and do not need Android or web.
- You are not self-employed and do not invoice.
- You do not need to take your data out as CSV.
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.
Frequently asked questions
Does Margen work on Android or on the web?
No. Margen is available on iOS and macOS. Fider is a web app that works on Android, iOS and desktop.
Can the data be exported?
Margen does not export CSV. Fider lets you export CSV on the free plan.
Which one connects to the bank?
Neither uses open banking. Both import PDF statements with AI. Fider adds CSV, manual entry and Outlook receipts.
Which one handles Spanish freelance taxes?
Margen has no tax features. Fider computes modelo 303 and 130 drafts from your transactions.
What do they cost?
Both charge 4.99 €/month or 39.99 €/year on the paid plan. Fider also has a free plan with CSV export.
Are they available in English?
Margen is Spanish only. Fider is in Spanish and English.
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