Numivita or a spreadsheet?

Lots of people track their money in Excel or Google Sheets, and it works. Here's an honest comparison: what each one does better and when it's worth switching.

	Spreadsheet	Numivita
Getting started	You build the template, formulas and charts, or find one and adapt it.	Advantage You create an account and choose what to track. The summary, charts and forecast build themselves.
Bank transactions	You copy and paste the statement and fix the columns every month.	Advantage You import the statement (CSV, Excel or Norma 43) and it remembers the category you give each merchant.
Budgets	Formulas and conditional formatting. You only see them when you open the file.	Advantage A limit per category, leftovers can roll over to next month, and your phone warns you as you get close.
Investments	You type prices in by hand. Real returns need formulas like XIRR.	Advantage Capital, gain, money-weighted return, dividends and sales (FIFO cost), plus a Spanish tax return summary.
Forecast	You build it yourself with formulas.	Advantage Cash flow 3 or 6 months ahead, with the subscriptions due each month and when each loan ends.
On your phone	It opens, but adding an expense is awkward.	Advantage Installable app, with reminders and PIN or fingerprint lock.
With your partner	You share the whole file, with everything in it.	Advantage You invite someone to see just the household: Home, Car, Expenses, Subscriptions… (Pro)
Customisation	Advantage You can do anything you like, no limits.	You turn on the modules you use and create categories, but you can't write your own formulas.
Previous years	Advantage Everything stays in the file for as long as you want.	Each January the year is archived automatically. Free shows the current year; Pro, previous years too.
Your data	Advantage The file is yours: on your computer or in Google's or Microsoft's cloud.	Servers in the EU, no ads and no selling data. With Pro you export it to Excel whenever you like, and you can delete your account at any time.
Price	Advantage Free if you already have Excel or use Google Sheets.	Free forever (3 accounts, 10 categories, 3 goals). Pro: 5.99 €/month or 49 €/year.

Stick with the spreadsheet if…

you enjoy building everything your way and you're comfortable with formulas;
you only track three or four numbers a month;
you don't want your data on any outside service.

Numivita is a better fit if…

you lose time every month copying transactions and fixing formulas;
you want to check and add things from your phone;
you want budgets, reminders and a forecast without building them;
you invest and want your real return and what to declare on your tax return.

How to switch

Create your account (no card needed) and choose what to track.
Export your bank statement as CSV or Excel and import it into Expenses. The categories you pick are remembered for next month.
Enter today's balance for each account in Savings. From then on, the summary and charts build themselves.

Before signing up, you can try the demo with made-up data.

Try the demo Start for free →

Reviewed on 22/10/2026. If you spot anything inaccurate, write to us at support@numivita.com.

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