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Accounting · head to head

Microsoft Excel vs Qonto

Microsoft Excel logo

Microsoft Excel

Accounting

Spreadsheet software for data analysis and visualization

From
Free
Rated
-
Full reviewWebsite
Qonto logo

Qonto

Accounting

French neobank and finance management platform for freelancers, SMEs and businesses

From
€9/month
Rated
-
Full reviewWebsite

The short version

  • Only Microsoft Excel has a free tier, so it costs nothing to try first.
  • Each has a real cost: Microsoft Excel free tier limited to 5 GB cloud storage and web-only access; Qonto pricing in EUR only, not USD
  • Prices and features above were last checked on 30 August 2026.

Where they differ

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

Attributes where Microsoft Excel and Qonto differ
AttributeMicrosoft ExcelQonto
Starting priceFree€9/month
Pricing modelfreemiumsubscription
Free tierYesNo
PlatformsWindows, Macos, Web, Ios, AndroidWeb
Founded1975Unknown

Identical on both: 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 Microsoft Excel

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

Only in Qonto

Nothing recorded that Microsoft Excel does not also cover.

What people use each for

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

Microsoft Excel

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

Qonto

  • Business bankingnot Microsoft Excel
  • Team paymentsnot Microsoft Excel
  • Cash flow managementnot Microsoft Excel
  • Multi-currency transfersnot Microsoft Excel
  • Freelancer paymentsnot Microsoft Excel

Where each one falls short

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

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

Qonto

  • Pricing in EUR only, not USD
  • Basic tier limited to 30 transfers per month
  • Add-ons for invoice automation and project tracking cost EUR 12-39/month extra
  • Business tier minimum commitment for small team accounts
  • Business plan minimum pricing EUR 49/month vs self-employed EUR 9/month

Pricing, plan by plan

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

Qonto

€9/month
  • Basic (Self-Employed)$9/month
    • 30 transfers
    • 1 physical + 2 virtual cards
    • Account remuneration 5% for 2 months
  • Smart (Self-Employed)$19/month
    • 100 transfers
    • 2 physical + 50 virtual cards
    • Account remuneration
  • Premium (Self-Employed)$39/month
    • 200 transfers
    • 2 physical + 50 virtual + 50 Instant cards
  • Essential (Business)$49/month
    • 250 transfers
    • 5 physical + 50 virtual cards
    • Multiple sub-accounts

Which should you pick?

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

Choose Qonto if

Nothing in the data separates Qonto from Microsoft Excel on the points above - pick on price and on how each one feels to use.

Qonto review

Questions people ask

Is Microsoft Excel or Qonto better?
Neither clearly leads. Microsoft Excel starts at Free and Qonto at €9/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Microsoft Excel or Qonto?
Microsoft Excel has a free tier; the other does not. Paid plans start at Free for Microsoft Excel and €9/month for Qonto.
Does Microsoft Excel or Qonto run on more platforms?
Microsoft Excel runs on Windows, Macos, Web, Ios, Android. Qonto runs on Web.
Can I use Microsoft Excel for free?
Yes. Microsoft Excel has a free tier, so you can try it without paying. Qonto starts at €9/month.
What is Microsoft Excel best used for?
Microsoft Excel is most often used for financial modeling, data analysis, budget planning, reporting. Of those, financial modeling and data analysis are not what Qonto is typically brought in for.
What can Microsoft Excel do that Qonto cannot?
Microsoft Excel covers Advanced formulas, Pivot tables, Data visualization, Charts and graphs.

Answered from the vendors’ own pages

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
Qonto: How much does Qonto cost?

Qonto's self-employed plans range from EUR 9/month (Basic) to EUR 39/month (Premium). Business plans range from EUR 49/month (Essential) to EUR 199/month (Enterprise).

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
Qonto: What is included in Qonto's Basic plan?

The Basic plan costs EUR 9/month and includes 30 monthly transfers, 1 physical card and 2 virtual cards, plus account remuneration at 5% for the first 2 months.

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
Qonto: What is the difference between self-employed and business plans?

Self-employed plans (Basic to Premium) are for individuals and cost EUR 9-39/month. Business plans (Essential to Enterprise) offer more transfers and cards for teams, ranging from EUR 49-199/month.

Source
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