Outlayr as a Fintonic alternative.
Outlayr is a free expense tracker you fill in by sentence, voice, or receipt. Fintonic is a free app in Spain that reads your connected Spanish bank accounts, scores your finances with its FinScore, and arranges loans with over 40 lenders.
| Feature | Outlayr | Fintonic |
|---|---|---|
| Price | Free. Pro monthly, yearly, or once | Free. Lenders pay it when you take a loan through it |
| Adding entries | One sentence, voice, receipt scan, CSV import | Movements from connected Spanish bank accounts only |
| Tracks | Daily spending, budgets, and savings goals | Spending by category, its FinScore, and loans from over 40 lenders |
| Available in | 175 App Store countries and regions | Spain only, with Spanish banks |
| Runs on | iPhone. Android soon | iPhone, Android |
Fintonic details from fintonic.com, checked 9 October 2026.
Which one fits
Outlayr, if you
- Live outside Spain
- Pay in cash as well as by card
- Want to log a purchase by saying it or scanning the receipt
Fintonic, if you
- Want linked accounts to sync on their own
- Want a financial score and help getting a loan
- Bank in Spain
Questions
Is Outlayr a good Fintonic alternative?
It is if you live outside Spain, pay in cash as well as by card, or want to log a purchase by saying it or scanning the receipt. Fintonic fits better if you bank in Spain and want your accounts to sync on their own, a financial score, or help getting a loan.
Does Outlayr work in Chile and Mexico?
Yes. Outlayr is offered in all 175 App Store countries and regions, Chile and Mexico included, with 165 currencies, in English and Spanish. Fintonic is offered only in Spain and connects Spanish banks.
Can I log cash expenses in Outlayr?
Yes. Type one sentence, say it, or scan the receipt, and file it under a cash account. Fintonic's help center says it shows only movements that went through a bank account.
How much does Outlayr cost?
The tracker is free, with budgets, goals, subscriptions, and widgets. The free plan includes 20 voice or receipt captures every 30 days, 2 accounts, 2 category budgets, and accounts in one currency. Outlayr Pro raises those limits and adds sync. It is billed monthly or yearly, or bought once, at prices set per country in the App Store.