Knowledge base
How to use Spendella
Start with what you want to do. We will show you where to go, what to check and how to fix common problems.
Your first steps in Spendella
Add one account and your first expense. That is enough to start seeing where your money goes.
First steps
04Registration, initial setup and clear explanations of terms.
Your first steps in Spendella
Add one account and your first expense. That is enough to start seeing where your money goes.
Read guideRegister and complete the first setup
Create an account, verify your email and prepare your first account. You do not need to enter your entire history.
Read guideFind a section or use search
Learn where the menu, plus button and search are. Start here if you are new to the interface.
Read guideAccount, budget or goal: what is the difference?
A short Spendella glossary with examples. Choose the right section without mixing up different concepts.
Read guideAccounts and transactions
11Add, find, correct and reconcile with your bank.
Add a card, cash or savings account
Set up an account so you know where purchases should be recorded. You do not need to enter a card number.
Read guideAdd or correct a transaction
Choose an expense, income or transfer so your balances and reports make sense.
Read guideFind a purchase missing from the list
Check search, period, account and workspace. A filter often hides an entry that has not been lost.
Read guideFix a balance that does not match your bank
Find the discrepancy or adjust the balance without accidentally creating extra income.
Read guideRecord a transfer between your accounts
Moved money into savings or withdrew cash? Record a transfer so expenses are not overstated.
Read guideTrack accounts in different currencies
Keep account currency separate from the currency used in your overview. They are different settings.
Read guideCreate a category or correct a purchase category
Categories group similar transactions. Clear names make reports easier to read.
Read guideAssign categories automatically by name
Create a rule for a familiar shop so you do not have to choose the same category each time.
Read guideUnderstand destination accounts
Distinguish your own money from a recipient. A destination account should not increase your overall balance.
Read guideTrack card cashback
Enter your card’s terms and compare expected rewards with what the bank actually credits.
Read guideRename or delete an account
Renaming and deleting solve different problems. Check whether you still need the linked history before deleting.
Read guideBeyond manual entry
07Voice, receipts, statements and notifications: from source to saved entry.
Add an expense by voice
Describe one purchase, review the recognised details and then save the entry.
Read guideAdd a purchase from a receipt or photo
Use a readable image and review recognition. Pay particular attention to the total and date.
Read guideReview transaction drafts
Check the proposed category, confirm a useful entry or reject an unwanted one.
Read guideImport a bank statement
Bring transactions in from a file and check the results before adding them to your records.
Read guideChoose the right import mode
Preview, automatic and quick import add records differently. Start with review for your first file.
Read guideFix a failed import or duplicated transactions
Check import status, file format and existing entries before uploading everything again.
Read guideTransactions from notifications: setup and privacy
When your bank reports a purchase, Spendella can extract a transaction so you have less to type. Setup has two separate steps: Android permission and your choice of apps. Permission alone is not enough.
Read guideBudgets, goals and payments
18Set limits, track savings and schedule future records.
How to read spending patterns, comparisons and forecasts
Read the numbers in order: period, total, reason, action.
Read guideHow to try a purchase or saving scenario
Before a large purchase, check what remains for your plans. You can close the calculation without changing your records.
Read guideHow to compare debt payoff strategies
Compare which debt could receive an extra payment. The plan does not send money to a bank.
Read guideHow to choose budget limits from past spending
If you are unsure how much to budget for groceries or transport, start with a history-based suggestion and review it before applying.
Read guideHow to find subscriptions and recurring payments
A repeated purchase is only a candidate. Check the merchant, amount and dates before creating a schedule.
Read guideUnderstand where your money goes
Choose a period, look at the main categories, then review large expenses—in that order.
Read guideSet a spending budget
Choose a clear limit for a period and see how much you have left to spend.
Read guideCheck budget spending and previous periods
See which purchases contribute to a budget and how results change between periods.
Read guideCreate a goal, add savings or withdraw them
Track savings separately and record movements between a goal and your accounts.
Read guideSchedule regular goal contributions
Choose an amount, day of the month and source account for scheduled savings records.
Read guideStart an emergency fund
Create a separate goal and record contributions to see your progress.
Read guideAdd a loan and fill in its details
Use your agreement or banking app. Understand total debt, amounts already repaid and the monthly payment.
Read guideRecord a loan payment or early repayment
Record a payment you have made and check its effect on the outstanding debt.
Read guideSchedule salary, rent and other recurring transactions
Set a repeat schedule, then review the created entries. Pause it when you no longer need future records.
Read guideAdd a subscription without duplicate charges
Record the service price, billing frequency and first date. Check automatic expense creation.
Read guideFind subscriptions you no longer need
Bring recurring charges together and decide which services you actually use.
Read guideHow the balance forecast is calculated
The forecast is built from two different things: what you have already scheduled, and an estimate of your ordinary spending. The difference explains why the line sometimes looks surprising.
Read guidePlan your money until payday
Even with a steady income, you may run short on a particular day. Compare income dates with essential payment dates.
Read guideShared finances
04Invitations, permissions and choosing the right workspace.
How to manage shared limits, a goal and loans
An invitation is only the first step. Track shared purchases and plans within the budget while keeping personal finances separate.
Read guideManage shared finances
Separate shared purchases from personal spending and agree who records what.
Read guideInvite someone and set their access
Create an invitation to a shared workspace and grant only the permissions they need.
Read guideKeep personal finances and workspaces separate
Use separate workspaces when different sets of finances should not share one report.
Read guideAI chat and features
08Continue a conversation, read a report and understand usage.
How to choose a tool in the AI hub
You do not have to compose a chat prompt. The AI hub offers ready-made tasks for spending, month comparisons and planning.
Read guideHow to enable automatic checks and reports
Enable the background tasks whose results you intend to read. Each can be turned off separately.
Read guideHow to check a possible duplicate charge
Equal amounts do not always mean an error. First establish whether the record was duplicated or the bank actually charged you twice.
Read guideAutomatically organize purchases into categories
Create a rule once to put purchases from a familiar shop into Groceries. For unfamiliar descriptions, you can enable AI assistance. Start with one clear example and check what happens.
Read guideUse the AI chat
Ask questions about your finances and follow up in the same conversation.
Read guideContinue an earlier chat or delete conversations
Choose a conversation from history to continue it. Deletion is a separate action with confirmation.
Read guideOpen AI reports and configure automatic summaries
Find a saved result and check its period before drawing conclusions about spending.
Read guideUnderstand AI operations and unavailable features
Check remaining usage, plan access and enabled automation. Manual transaction entry and an AI request are different actions.
Read guideAccount and settings
12Sign-in, protection, notifications, appearance and billing.
Protect your account and data
Use an extra sign-in check, review sessions and understand what data is needed.
Read guideEnable two-factor authentication and save recovery codes
Set up an additional sign-in check and prepare for losing access to your phone.
Read guideCannot sign in: password, email or verification code
Choose a solution for the screen where sign-in stopped. You usually do not need a new account.
Read guideEnable Android app PIN, biometrics and haptics
Protect opening the app on your phone and configure light vibration feedback.
Read guideSign out another device and review sign-ins
End sessions you no longer use or do not recognise.
Read guideChange your name, email or password
Email changes need verification. Check which address receives the code at each step.
Read guideConfigure notifications or fix missing alerts
Choose events and allow delivery on the device. Reading bank notifications is configured separately.
Read guideChange language, theme and bottom navigation
Make the interface comfortable to use. Appearance changes do not change financial records.
Read guideUnderstand different transaction dates or alert times
Check the account time zone and the entry’s date. Differences are most noticeable around midnight.
Read guideCheck your plan, trial and payment
Review the current plan and order terms before paying. Use the billing screen for current prices and allowances.
Read guideTurn off renewal of your Spendella plan
Stop the next renewal and check when your paid access ends.
Read guideDelete your Spendella account
Save needed data and check billing first. Account deletion is not required to sign out normally.
Read guideHelp and troubleshooting
04Installation, exports, errors and contacting support.
Install or update the Android app
For now, download the app from the website as an APK file. The RuStore release is being prepared; support for other stores is still in development.
Read guideDownload transactions as Excel or CSV
Save the transactions you need and check that the file contains the intended period.
Read guideData did not update or an error appeared
Check connection, account and workspace. Do not repeat a purchase entry until you know whether the first attempt was saved.
Read guideContact support and find replies
Describe one problem per request and continue the conversation in the same thread.
Read guide