Two ways to budget
YNAB makes you give every euro a job before spending it. Fider sets a limit per category and shows consumption live. The first is more demanding and more powerful if you keep it up. The second is easier to sustain.
Comparison
Fider vs YNAB
YNAB is the envelope budgeting method turned into an app. It is rigorous and has a huge community. It is also built for another country: English, US dollars and bank sync focused on US, Canadian and UK banks. Fider starts at the budget and goes all the way to the quarter.
| Fider | YNAB | |
|---|---|---|
| Platform | Web (PWA): Android, iOS and desktop | Web, iOS and Android |
| History | Unlimited | Not stated |
| Tax features (303 and 130) | Modelo 303, 130 and 349 drafts | No |
| Invoices | Yes | No |
| 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 | English |
| Price | Free; PRO 4.99 €/month or 39.99 €/year | Monthly or annual subscription in USD |
What YNAB does not do in Spain
YNAB has no Spanish tax features, does not separate a freelance activity, and its bank sync targets other markets. The subscription is billed in US dollars.
When to choose YNAB
If the envelope method is what you are after and you are comfortable in English, YNAB is the reference. Its community, its courses and its discipline have no equivalent.
- You want the YNAB method to the letter.
- Your financial life is personal only.
- Paying in dollars and using an English-only app is fine with 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
Is YNAB available in Spanish?
No. YNAB is in English. Fider is in Spanish and English.
Does YNAB sync with Spanish banks?
Its sync targets US, Canadian and UK banks. Fider needs no sync: you import a statement or a CSV.
Which one handles Spanish freelance taxes?
YNAB has no Spanish tax features. Fider computes modelo 303 and 130 drafts.
Which one shows net worth?
Fider computes it in real time with investments, crypto and property. YNAB is centred on the budget.
Which currency do they bill in?
YNAB bills in US dollars. Fider bills in euros: 4.99 €/month or 39.99 €/year, with a free plan.
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