Personal scope only
No household, splits or member balances.
SharedNest vs Fintonic
A Fintonic alternative for shared household finance
Spanish account aggregation with lending attached.
Fintonic aggregates Spanish accounts, alerts you to fees and offers credit products alongside. It is a personal money app with a lending business.
SharedNest sells nothing and covers the shared side: who paid, what is fair, what is private and what the household is saving toward.
What Fintonic does well
- Good Spanish bank coverage
- Fee and charge alerts
- Free core features
Where households outgrow it
Product offers
Loan and insurance offers are part of the model.
Country-limited
Aggregation is tied to Spanish institutions.
Fintonic vs SharedNest, side by side
| Feature | Fintonic | SharedNest |
|---|---|---|
| Income-weighted splits | Not supported | Any ratio you choose, applied automatically to every shared expense |
| Private expenses | Not applicable | Mark any expense private — it counts for you, stays invisible to the household |
| Shared household | Not supported | Core feature |
| Financial product offers | Yes | None |
| Availability | Spain-focused | Anywhere |
Who SharedNest is for
Households in Spain that want fairness and privacy, not offers.
Switching from Fintonic
Add your recurring household bills and set the split; ten minutes total.
Questions people ask
- Will I get offered loans?
- No, SharedNest does not sell financial products.
- Does it work in euros?
- Yes.
- Do I need to connect my bank?
- No.
Ready to align on money — for good?
Free while we build — every feature included. Invite your partner and set up your household in under 5 minutes.