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la alternativaWallet (BudgetBakers) is a veteran, complete budgeting app. mPF plays a different game: built from scratch for Spanish banking and the Spanish user, with a monthly report that doesn't just record your money — it tells you what to do with it.
Try mPF freeKey differences
Wallet is a solid international app: budgets by category, history, and bank syncing on its paid plans. But its DNA is global — categories, logic and support designed for many markets at once. mPF was born for the Spanish user: over 200 banks and providers from here (including brokers and insurers), categories that match real life in Spain, and the whole product, support and content in your language from day one.
| 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
Wallet is a solid international app: budgets by category, history, and bank syncing on its paid plans. But its DNA is global — categories, logic and support designed for many markets at once. mPF was born for the Spanish user: over 200 banks and providers from here (including brokers and insurers), categories that match real life in Spain, and the whole product, support and content in your language from day one.
Classic budgeting apps stop where the important part begins: you know how much you spent at the supermarket — now what? mPF uses your data to answer the questions that change your month: how much you can really save, which debt to go after first, how your net worth is doing and what to move now. Every month, in a report built to be read in five minutes and acted on.
If you've spent years comfortable in Wallet with your budgets finely tuned and it works for you, there's no rush to move. If you're in Spain and you want your accounts to connect first time, to understand your full picture without fighting the app, and a monthly plan in your language — mPF is the natural alternative. With bank-grade security, read-only access and end-to-end encryption.
Yes, and that's our speciality: an automatic connection to over 200 Spanish banks and providers via regulated providers (PSD2), including brokers and insurers. In mPF the bank sync is the heart of the product, not a premium extra.
You don't need to migrate anything: you connect your accounts and mPF rebuilds your financial picture from your real bank transactions. Your manual history stays in Wallet, but from day one you have your spending classified in mPF and your net worth up to date, without typing anything in.
The mPF free plan is free forever and includes the bank connection and your full dashboard. The premium services (financial report €9.99/month, family management €4.99/month) are subscriptions with no lock-in. Wallet's exact prices depend on its current plan; the real difference is what you get: recording and budgets versus analysis with an action plan.
The connection uses aggregators regulated under the European PSD2 rules, with read-only access: mPF sees balances and transactions to analyse them, but nobody can operate on your money from the app. We don't store your banking credentials and your data travels encrypted end to end.