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.
Budgets, 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 guide