Not a personal-finance blog. Practical pages: how the product works, and how to finish one task tonight.
Open Spendella freeMethodology, AI, and data in plain language — without the legal fog.
The numbers on the Analytics screen are not model guesses. They are computed from your transactions for the selected period.
ReadThe model does not run your budget for you. It parses a statement, suggests a category, and answers from your numbers. The decision stays yours.
ReadSpendella is built for residents of Russia: servers and AI stay in the country. The legal policy still applies; this page is the same idea in plain language.
ReadOne scenario per page, and a path into the product.
One shared sheet turns into an argument. Spendella keeps a joint limit and personal accounts apart — switch with one tap.
ReadThe service charged you this month and you have not opened it in half a year. Those rows hide in a bank feed and quietly eat 2–5 thousand a month.
ReadTyping a hundred transactions is why people quit trackers. Import closes the history with one file.
ReadIt is rarely a character flaw. More often, large bills sit in one half of the month and income in the other. The gap is visible early if you add balances and recurring charges.
Read“Save 10% of every paycheck” breaks on advances, shifts, and freelance lumps. You need a goal that takes money in fat weeks and stays quiet in thin ones.
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