From Accounts to a Clearer Plan
A simple beginning. A bigger perspective.
Spendly brings the details of your financial life into one workspace. Start with your accounts, then build the planning rhythm that fits you.
1. Choose your financial perspective
Create your account and choose a base currency. This is the currency used for your overview totals and combined reports. Your individual accounts keep their own currencies.
Personalize the workspace with a theme, appearance, and language that feel comfortable. Spendly’s desktop layout puts the details you need close at hand.
2. Bring your accounts together
Add your cash, checking, savings, credit, and loan accounts. Choose the currency of each account and record its starting balance.
A dollar checking account and euro savings can stay true to their original amounts while contributing to one overall view. Read about multi-currency accounts.
3. Add the transactions behind the numbers
Record transactions as you go or upload a CSV, OFX, or QIF statement. The AI-assisted import suggests categories and flags rows that need attention.
Review dates, descriptions, amounts, and categories before importing. Your records then support the account overview, reports, and budget progress.
4. Give everyday spending a plan
Set category budgets from your own priorities or start with AI suggestions based on your history. Choose the periods and amounts that reflect the way you spend.
Add envelopes when you want to allocate money to clear purposes. Use safe to spend to review available room after your commitments and allocations.
5. Make space for what is next
Create sinking funds for expected expenses and savings goals for milestones. Explore debt payoff plans when repayment is part of your priorities.
Review roughly 90 days of cash flow and twelve months in the year-ahead view. Try different budget amounts in the what-if sandbox before applying a change.
6. Build a useful review routine
Check transactions and account balances regularly. Review spending reports, update investment valuations, and revisit budgets as your circumstances change.
Export your account, transaction, category, budget, and investment records to CSV from Settings whenever you need a copy.
Start your free account and bring the first pieces together.
Make room for what’s next.
Bring your accounts, plans, and possibilities together in Spendly.
Start your free account Free plan available. Start with the tools you need.