Neto vs Monefy: which one is right for you?
Both are manual expense apps (no bank connection), but they solve different problems. Monefy goes for maximum simplicity; Neto adds net worth, investments, multi-currency and goals without giving up on being simple. Here is the honest comparison.
TL;DRIn short
Monefy is the simplest option for logging expenses by hand. Neto is manual too, but adds net worth, investments with automatic prices (PRO) and 62 currencies.
- Monefy: the simplest way to log what comes in and goes out.
- Neto: expenses plus net worth, investments and 62 currencies.
- Neither connects to your bank: both are manual by design.
- Both are free to start; Neto PRO is optional.
Quick comparison
Both are manual and respect your privacy. The difference is scope: Monefy stops at expenses; Neto goes all the way to your full net worth.
(Monefy details taken from its Spanish App Store listing, September 2026)
When to choose each one
Choose Monefy if…
- You only want to log what comes in and goes out, nothing more.
- You want the simplest app possible.
Choose Neto if…
- Besides expenses, you want to see your full net worth.
- You have, or want to track, investments (crypto, stocks, ETFs, funds) and debts.
- You handle several currencies or international accounts.
- Goals, streaks and gamification keep you motivated to stick with the habit.
What they have in common (and why it matters)
Both are manual by design: neither asks for your bank credentials. Logging by hand makes you aware of your spending and works with any bank, cash, accounts outside your country or assets that don't show up in online banking. It is more private and more flexible than apps that connect to your bank.
Try Neto for free
Start with accounts, expenses and budgets, and add investments and net worth when you need them. No bank connection.
Frequently asked questions
Which is better, Neto or Monefy?
It depends on what you're after. Monefy is ideal if you only want to log expenses and income in the simplest way possible. Neto is a better fit if you also want to see your net worth, track investments, work in several currencies and use goals and budgets, all without connecting your bank.
Do Monefy and Neto connect to my bank?
Neither of them connects to your bank: both are manual by design. You log your transactions yourself, which gives you more privacy and control and works with any bank, cash or international accounts.
Which one is cheaper?
Both are free to start. Monefy charges for its Premium version as an App Store subscription. Neto PRO is optional and costs €1.99/week or €49.99/year; for free you get accounts, expenses, budgets, goals and multi-currency.
Does Neto track investments and net worth?
Yes. With Neto PRO you can track crypto, stocks, ETFs, funds and other assets, and see your net worth in real time. Monefy focuses on logging expenses and income.
Related: expense tracking in Neto, Neto vs spreadsheets and the best budgeting apps without bank linking.