Compared
Cifrova against the spreadsheet you keep meaning to update
The spreadsheet is free, yours, and honest until the week you stop filling it in. Cifrova is the spreadsheet that fills itself.
| A spreadsheet | Cifrova | |
|---|---|---|
| The movements | Typed or pasted by hand, monthly if you are disciplined | Read from the bank every morning |
| Categories | Whatever you type in the column | Rules, then Claude once per new merchant; a review of the doubtful ones |
| The month | A SUM at the bottom | Left to spend, pace, fixed against flexible, in one number |
| The future | A tab you build once | A 90-day balance forecast from what is planned and what usually happens |
| Net worth | Another tab, updated when you remember | The house, the mortgage running down, PPR, funds, crypto and gold priced daily |
| Two people | One file, one editor at a time | Two members, personal cards kept apart from the family budget |
| Price | Free | 7,90 € a month, 69 € a year, or the founders price |
Where a spreadsheet wins
- It is free and it is yours.
- Any structure you like, any formula.
- No bank connection, no consent, nothing to trust.
Where Cifrova wins
- It keeps itself up to date; the work is a Sunday email.
- The number is right on the 27th, not after the month closes.
- Net worth and the forecast exist without another tab.
Verdict. If your spreadsheet is up to date this week, keep it. If it stopped in March, that is what Cifrova is for.