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la alternativaMonefy is a good digital notebook: quick for jotting expenses down by hand. mPF does that job automatically: it connects your bank accounts, classifies your transactions and turns your data into a plan.
Try mPF freeKey differences
Monefy is built for manual entry: every coffee, every purchase, you log it yourself. It works if you're very consistent, but most of us give up after a few weeks and the budget ends up half-finished. mPF starts from the real data: you connect your accounts (over 200 banks and providers in Spain) and your spending appears and sorts itself, whether or not you're paying attention to the app.
| mPF | la alternativa | |
|---|---|---|
| Enfoque | Plan financiero personal accionable | Comparativa |
| Conexión bancaria | Acceso solo de lectura y visión agregada | Depende de la alternativa |
| Claridad | Informe, diagnóstico y siguiente paso | Más manual o menos guiado |
| Control de gastos | Categorías, alertas y presupuestos | Puede requerir más mantenimiento |
| Deudas y ahorro | Prioridades y plan de acción | No siempre integrado |
| Precio de entrada | Plan gratuito para empezar | Variable según herramienta |
Where the experience differs
Monefy is built for manual entry: every coffee, every purchase, you log it yourself. It works if you're very consistent, but most of us give up after a few weeks and the budget ends up half-finished. mPF starts from the real data: you connect your accounts (over 200 banks and providers in Spain) and your spending appears and sorts itself, whether or not you're paying attention to the app.
Logging expenses is the first step, not the goal. mPF uses that data to answer the questions that matter: how much you can really save, which subscriptions are piling up, how your debts and net worth are moving, and what to shift first. Every month, in a report that makes sense.
Being honest: if all you want is to log cash spending in two taps without connecting anything, Monefy does the job. If what you want is real control of your money — accounts, cards, debts and savings in one place, with the dirty work done — you need an app that talks to your banks. That's where mPF plays in a different category, with bank-grade security and end-to-end encryption.
You can try mPF free with no commitment. Monefy also has a free version, with paid extras; the real difference isn't the price but the approach: manual logging versus an automatic bank connection.
You don't need to migrate anything by hand: when you connect your bank accounts, mPF rebuilds your financial picture from your real transactions. Your manual history stays in Monefy, but from day one you'll have your real spending classified in mPF, without typing anything in.
The connection is made through regulated bank aggregation providers (European PSD2 rules), with end-to-end encryption. mPF only reads your transactions to analyse them: nobody can operate on your money from the app. The full detail is on our security page.
You can add it by hand when you need to; the difference is that in mPF it's the supplement, not the base. Most of your spending goes through an account or a card, so your picture is practically complete with no effort, and cash only gets logged if you want that level of detail.