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Accounting · head to head

Dinero vs Microsoft Excel

Dinero logo

Dinero

Accounting

Danish accounting software for small businesses and self-employed

From
Free
Rated
-
Full reviewWebsite
Microsoft Excel logo

Microsoft Excel

Accounting

Spreadsheet software for data analysis and visualization

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Dinero free tier only for turnover under 100,000 DKK annually; Microsoft Excel free tier limited to 5 GB cloud storage and web-only access
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Dinero and Microsoft Excel actually diverge.

Attributes where Dinero and Microsoft Excel differ
AttributeDineroMicrosoft Excel
PlatformsWebWindows, Macos, Web, Ios, Android
FoundedUnknown1975

Identical on both: starting price (Free), pricing model (freemium), free tier (Yes), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Dinero

Nothing recorded that Microsoft Excel does not also cover.

Only in Microsoft Excel

  • Advanced formulas
  • Pivot tables
  • Data visualization
  • Charts and graphs
  • Conditional formatting
  • Data analysis tools
  • Macro automation
  • Collaboration features

What people use each for

The jobs each tool is most often brought in to do.

Dinero

  • Small business accountingnot Microsoft Excel

Microsoft Excel

  • Financial modelingnot Dinero
  • Data analysisnot Dinero
  • Budget planningnot Dinero
  • Reportingnot Dinero
  • Business intelligencenot Dinero
  • Statistical analysisnot Dinero

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Dinero

  • Free tier only for turnover under 100,000 DKK annually
  • Monthly billing costs 52 DKK more than annual on Starter+

Microsoft Excel

  • Free tier limited to 5 GB cloud storage and web-only access
  • Paid plans have per-user costs increasing significantly with more users
  • AI features like Copilot limited or unavailable on lower-tier plans

Pricing, plan by plan

Dinero

Free
  • StarterFree
    • For businesses with turnover under 100,000 DKK annually
    • Basic accounting functions
    • Limited advisor guidance
  • Starter+$245/month
    • Unlimited turnover
    • Ad-free invoices
    • 297 DKK if monthly billing
  • Pro$345/month
    • Automatic booking suggestions
    • Full bookkeeping support 8-22 daily
    • 24/7 AI support
  • Total$545/month
    • Annual financial statements included
    • Prioritized chat support
    • Unlimited risk and credit assessments

Microsoft Excel

Free
  • Microsoft Excel (Free)Free
    • Excel for the web
    • Real-time collaboration
    • 5 GB cloud storage
  • Microsoft 365 Personal$9.99/month
    • Desktop Excel app
    • 1 TB cloud storage
    • Single user on up to 5 devices
  • Microsoft 365 Family$12.99/month
    • 1-6 users (AI features for subscription owner)
    • Up to 6 TB cloud storage (1 TB per person)
    • Each user up to 5 devices
  • Microsoft 365 Premium$19.99/month
    • 1-6 users
    • Extensive Copilot feature access
    • Exclusive advanced AI capabilities

Which should you pick?

Choose Dinero if

  • You want to start without paying.
Dinero review

Choose Microsoft Excel if

  • You need advanced formulas.
  • You want to start without paying.
  • You work on Windows, Macos, Web, Ios, Android.
  • You also want pivot tables.
Microsoft Excel review

Questions people ask

Is Dinero or Microsoft Excel better?
Neither clearly leads. Dinero starts at Free and Microsoft Excel at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Dinero or Microsoft Excel?
Dinero starts at Free and Microsoft Excel at Free.
Does Dinero or Microsoft Excel run on more platforms?
Dinero runs on Web. Microsoft Excel runs on Windows, Macos, Web, Ios, Android.
Can I use Dinero for free?
Both have a free tier, so you can try either at no cost before committing.
What is Dinero best used for?
Dinero is most often used for small business accounting. Of those, small business accounting is not what Microsoft Excel is typically brought in for.
What can Dinero do that Microsoft Excel cannot?
Microsoft Excel covers Advanced formulas, Pivot tables, Data visualization, Charts and graphs.

Answered from the vendors’ own pages

Dinero: How much does Dinero cost?

Dinero offers a free Starter plan for businesses under 100,000 DKK annual turnover. Starter+ is 245 DKK/month (yearly) or 297 DKK/month (monthly billing). Pro is 345 DKK/month, and Total is 545 DKK/month.

Source
Microsoft Excel: How much does Microsoft Excel cost?

Microsoft Excel is free as a web app with 5 GB storage. Paid options include Microsoft 365 Personal at $9.99/month for desktop apps and 1 TB storage, Family at $12.99/month for 1-6 users with 6 TB total storage, and Premium at $19.99/month with extended Copilot access.

Source
Dinero: Is Dinero free?

Yes, Dinero offers a free Starter plan for businesses with annual turnover under 100,000 DKK, including basic accounting and limited advisor guidance.

Source
Microsoft Excel: Is there a free version of Excel?

Yes, Excel for the web is free and includes sharing, real-time collaboration, and 5 GB cloud storage accessible on web, iOS, and Android without subscription.

Source
Dinero: What discount does Dinero offer for multiple businesses?

A 33% discount applies when managing multiple businesses with Pro or Total subscriptions.

Source
Microsoft Excel: What is the difference between Microsoft 365 Family and Premium tiers?

Family tier at $12.99/month supports 1-6 users with 6 TB total storage and standard features. Premium tier at $19.99/month allows extensive Copilot feature access and exclusive advanced AI capabilities including image creation and audio generation.

Source
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