Blog
Guides, comparisons and templates to plan your money and know what you will have at the end of the month, plus what is new in Xpenses.
What's new in Xpenses
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A guided first minute
New accounts get a short guided tour: the screen dims except the button to tap, from adding your account to your first bill, its payment and your month end. Skip it any time, or replay it from Settings.
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Claude and ChatGPT can tick bills and add them, if you allow it
Switch on Allow changes for an assistant in Settings and ask it to mark the rent as paid or add the gym. It asks you first, and it can never delete anything.
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Suggestions with an amount
Xpenses now points out a bill whose price went up, bills of past months you forgot to tick, and room at the end of the month for a goal, each with one tap to act on it.
Latest articles
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Guide ·
How to make a Christmas budget (and still have money in January)
Christmas is the most predictable expense of the year. Four steps: list everything December costs, check it against your month end, set the gap aside week by week, and look at January before it starts.
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Guide ·
How much can I spend a day until payday? The calculation, step by step
Divide what you have by the days left and you will overspend: the bills before payday come first. The calculation with an example, the usual mistakes, and what to do when it comes out negative.
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Guide ·
Scanning receipts to track spending: what an app can read, and where the photo goes
What receipt scanners read reliably (total, date, shop) and what they do not, why it matters whether the photo is uploaded, tips for a clean scan, and which receipts to keep on paper.
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Guide ·
Use Xpenses with ChatGPT and Claude
Connect Xpenses to ChatGPT or Claude and ask about your own numbers: what you will have at month end, what is due this week, what you can spend a day. Read-only unless you allow changes; disconnect any time.
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Guide ·
Budgeting with ChatGPT: what works and what does not
ChatGPT and Claude are good at explaining a budget and bad at remembering your bills. What to ask them, what not to paste into a chat, and how to give them your real numbers safely.
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Comparison ·
The best way to manage money as a couple
Joint account, separate accounts or a mix: how couples split bills, what a shared budgeting app should do, and how Splitwise, Tricount, Monefy and Xpenses handle two people.
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Comparison ·
Monefy alternative: plan your bills, not only your spending
Monefy vs Xpenses: logging every expense or forecasting the month end, sharing with a partner, and price, compared with sources.
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Comparison ·
Splitwise or Tricount as a couple? Splitting costs vs planning the month
Splitwise and Tricount settle who owes whom; Xpenses plans the bills you share and shows what is left at the end of the month. Which one a couple needs, compared with sources.
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Template ·
Free monthly budget template 2027 (Excel)
Download a free monthly budget spreadsheet: income, bills, planned vs actual and what you have left.
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Comparison ·
A Fintonic alternative that works without your bank
Fintonic vs Xpenses: bank connection or manual forecast, business model, privacy and price, compared fairly.
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Comparison ·
Xpenses vs Spendee
Spendee and Xpenses compared: shared wallets, bank sync, forecasting and price.
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Guide ·
Switch from Fintonic to Xpenses
Leave Fintonic without starting from scratch: export your movements, and Xpenses finds your bills and shows what you will have left at month end, without your bank passwords.
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Guide ·
Switch from Spendee to Xpenses
Bring your Spendee history to Xpenses in two minutes: we find your bills, and you get a month-end forecast and reminders on the day each bill is due.
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Guide ·
Switch from YNAB to Xpenses
Switching from YNAB: export your plan, and Xpenses finds your recurring bills and income. A simpler forecast, in English or Spanish, for less.
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Comparison ·
A simpler YNAB alternative
YNAB vs Xpenses: envelope budgeting or month-end forecast, learning curve, language and price.
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Guide ·
How we build our calculators and guides
Published formulas, dated official sources, automatic tests and a yearly review: how Xpenses keeps its figures right.
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Comparison ·
An app to keep track of your bills
Never forget a bill again: what a bill tracker should do, and how Xpenses does it.
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Template ·
Free couple budget template (Excel)
Split shared bills fairly by income with this free Excel template.
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Comparison ·
Budget spreadsheet or budgeting app?
Spreadsheets are free and flexible; apps remind you and stay up to date. When each one makes sense.
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Comparison ·
A budgeting app that does not connect to your bank
Why some people prefer a budget app without bank access, and what you gain and lose.
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Guide ·
Switch from Wallet by BudgetBakers to Xpenses
Moving from Wallet by BudgetBakers to Xpenses: export your records, and Xpenses turns them into a simple month-end forecast with bill reminders.
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Guide ·
Move to Xpenses from Spendee, Wallet, YNAB or Fintonic
Export your history from your current app or bank and Xpenses finds your bills and builds your forecast. Step by step for each app.
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Comparison ·
Xpenses vs Wallet by BudgetBakers
Wallet by BudgetBakers and Xpenses compared: planned payments, bank sync, simplicity and price.
Know how much you will have left at the end of the month
Works without your bank: we never ask for your bank passwords.