Where they are alike
Both apps let you log transactions without handing over banking credentials, both categorize, and both show net worth. Both are in Spanish and English and both have a free plan.
Comparison
Fider vs Neto
Neto and Fider start from the same idea: track your money without connecting your bank. From there they diverge. Neto is a mobile app focused on spending and net worth. Fider is a web app that also carries the freelance side. This comparison only includes what we could verify.
| Fider | Neto | |
|---|---|---|
| Platform | Web (PWA): Android, iOS and desktop | iOS and a young Android app. No web app |
| History | Unlimited | 180 days on PRO |
| Tax features (303 and 130) | Modelo 303, 130 and 349 drafts | No |
| Invoices | Yes | Not stated |
| CSV export | Yes, on the free plan | Not stated |
| Dark mode | Yes | No web version |
| Login | Google, Microsoft and email | Google only on Android |
| Languages | Spanish and English | Spanish and English |
| Price | Free; PRO 4.99 €/month or 39.99 €/year | Has a 1.99 €/week tier |
Where they part ways
Neto lives on the phone, with an iOS app and a young Android version, and has no web app. Its PRO history is capped at 180 days and it has no tax features. Fider is web first, history is unlimited and it computes modelo 303 and 130 drafts.
- Neto: iOS, young Android, no web, single session, Google login only on Android.
- Fider: installable web app on any device, Google and Microsoft login, several sessions.
- Neto offers a 1.99 €/week tier. Fider PRO is 4.99 €/month or 39.99 €/year.
When to choose Neto
Neto is a good choice if your financial life is personal only and you run it from your phone. It is well designed for logging and looking. If you are not self-employed and the history cap does not bother you, it is enough.
- You want a mobile app and nothing else.
- You need nothing tax related and no invoicing.
- Six months of history is enough for 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.
Frequently asked questions
Does Neto have a web version?
No. Neto is an iOS app with a young Android version. Fider is a web app that installs as a PWA on mobile and desktop.
How much history does each keep?
Neto caps history at 180 days on its PRO plan. Fider has no history limit on any plan.
Does either connect to the bank?
Neither requires it. Neto is built around not connecting the bank. Fider works with manual entry, CSV, PDF statements and Outlook receipts.
Which one works for freelancers?
Neto has no tax features. Fider carries a freelance wallet and computes modelo 303 and 130 drafts to review with your advisor.
Can I sign in with Google on both?
On Neto, Google login is only available on Android. On Fider you can sign in with Google, Microsoft or email from any device.
What does each cost?
Neto has a 1.99 € per week tier. Fider has a free plan and a PRO plan at 4.99 €/month or 39.99 €/year.
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