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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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 ·
Goodbudget alternative in Canada: a month-end forecast instead of envelopes
Compare Goodbudget and Xpenses for Canada: prices, free plan limits, sharing, bank connection, file import and French. Xpenses has a free plan and Pro at $44.99 a year.
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Comparison ·
KOHO budgeting alternative: plan the month across all your bank accounts
Compare KOHO's built-in budgeting with Xpenses: what each is, prices, trial, platforms and French. Xpenses has a free plan and Pro at $44.99 a year.
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Comparison ·
Monarch alternative in Canada: a month-end forecast billed in Canadian dollars
Compare Monarch and Xpenses for Canada: prices, currency, sharing, bank connection, file import and French. Xpenses has a free plan and Pro at $44.99 a year.
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Comparison ·
PocketGuard alternative in Canada: see what is left this month, with a free plan
Compare PocketGuard and Xpenses for Canada: prices, free plan, sharing, bank connection, file import and French. Xpenses has a free plan and Pro at $44.99 a year.
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Comparison ·
Spendee alternative in Canada: from tracking spending to forecasting the month
Compare Spendee and Xpenses for Canada: prices, free plan, shared wallets, bank connection, file import and French. Xpenses has a free plan and Pro at $44.99 a year.
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Comparison ·
Wallet by BudgetBakers alternative in Canada: a simpler month-end forecast
Compare Wallet by BudgetBakers and Xpenses for Canada: prices, free version, group sharing, bank connection, file import and French. Xpenses has a free plan and Pro at $44.99 a year.
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Comparison ·
YNAB alternative in Canada: plan the month in Canadian dollars, with or without a bank link
Compare YNAB and Xpenses for Canada: prices, sharing, file import, bank connection and French. Xpenses has a free plan and Pro at $44.99 a year.
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Guide ·
Canada Child Benefit amounts for July 2026 to June 2027
CCB maximum of $8,157 per child under 6 and $6,883 for ages 6 to 17 from July 2026, the income thresholds for reduction, and how to apply.
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Guide ·
CPP and OAS amounts for 2026
2026 CPP maximum ($1,507.65) and average at 65, contribution rates, YMPE and YAMPE, early and late adjustments, OAS by quarter and the clawback.
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Guide ·
Employment Insurance in 2026: benefits and premiums
EI for 2026: $68,900 maximum insurable earnings, 55 % benefit rate, $729 maximum weekly benefit, 1.63 % premium (1.30 % in Quebec) and the waiting week.
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Guide ·
Federal income tax brackets for 2026
The five 2026 federal tax brackets, from 14 % to 33 %, the $16,452 basic personal amount and a worked example on a $70,000 income.
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Guide ·
Minimum wage in Canada by province and territory, October 2026
The general minimum wage in each province and territory and the federal rate as of October 2026, with effective dates and the next scheduled change.
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Guide ·
Minimum wage, income tax and rent by province
All provinces and territories side by side: minimum wage, provincial income tax, sales tax and rent, each from its official source.
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Guide ·
TFSA, RRSP and FHSA limits for 2026
2026 TFSA limit of $7,000 and $109,000 room since 2009, the $33,810 RRSP limit and 18 % rule, FHSA limits, and how the three accounts differ.
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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.
Know how much you will have left at the end of the month
Works without your bank: we never ask for your bank passwords.