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Spend

Tracker · NZ

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Spend

Tracker · NZ

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Today 0

This Month

Transactions

Review 0

Statements 0

Overview

Insights

Budget & Goals 0

Subscriptions 0

Merchants

Accounts

Admin

Latest check-in

No statement yet

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Email Settings

Reports and budget alerts will be sent to your saved email address.

What's New

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Start here

You can reopen the guide from Today whenever you need a reset.

How Spend Tracker works

Use this flow whenever you want to know what to check first and what is safe to do next.

1. Start here

Open Today first. It tells you what needs a decision right now and points you to the right page without making you hunt around.

2. Import safely

Drop a PDF or CSV into the sidebar upload box, then open Statements to confirm what was added. Undo only appears when it is still safe to roll back the latest import.

3. Review before you move on

Use Review for anything still waiting on your decision, and Transactions when you want to add, edit, or delete an entry yourself.

4. Use AI help only when you want it

AI help is available from Review and Statements as an optional suggestion. It does not run automatically, and nothing important changes until you confirm or save.

5. Close the month with confidence

When review, duplicates, subscriptions, reports, and archive steps are finished, use the month-close checklist in Today to wrap up the latest month cleanly.

Payday timing and your optional daily target live in Budget & Goals under Payday settings.

Payday settings

Choose whether payday timing and your daily spending target are set by you or worked out automatically from your income.

Payday day

Daily target

Leave either field blank if you want Spend Tracker to calculate it for you.

Today

Safe to spend, what needs your call, and what is coming next.

Start here

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Overview

Long-range totals, trends, and where your money tends to go.

Long view

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This Month

One month at a time: totals, categories, and the entries behind them.

Choose a month

Account

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Habits

Patterns · recurring · standout spend

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Transactions

Search, add, and correct entries without leaving the ledger.

Ledger

Review

Anything uncertain waits here for your call.

Needs your call

Merchants

Learned rules · Overrides

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Insights

Rhythm · notes · outliers

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Budget & Goals

Plan, goals, alerts, and payday in separate tabs.

Plan · goals · alerts · payday

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Subscriptions

Cost · next charge · manage links

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Accounts

Balances · account splits · totals

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Statements

Import history, recent changes, and safe undo when it is available.

History · undo · changes

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Admin

User access and account settings only.

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