Help: how to use Xpenses
Step-by-step guides with screenshots and short videos for every part of Xpenses: the month-end forecast, bills, receipts, sharing with your partner and more.
Getting started
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Getting started with Xpenses
Create your account, start from a template or your own bills, tell Xpenses what your account holds today and tick your first payment.
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The month-end forecast: what you will have left
How Xpenses works out what you will have at the end of the month, what each figure in the header means and how to look at next month.
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Add bills and income
Monthly, weekly, every few months or once: how to add a bill or an income, give it a due day and a category, change it from this month on, or stop it.
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Mark bills as paid with one tap
Tick a bill when it is paid, pay a different amount or from another account, undo a payment, and see which bills are late.
Plan your month
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How much you can spend a day until payday
The amount under your month-end figure: what it counts, how payday is found and why it changes when you pay a bill early.
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The warning before an account goes below zero
Xpenses walks your bills day by day and warns you when an account is about to go below zero, on screen and by notification. How it works and what to do.
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Recurring expenses, categories and the year view
What your fixed costs add up to in a year, where the money goes by category, and the balance at the end of every month of the year.
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Savings goals
Set a target and a date, and Xpenses tells you how much to put aside each month and whether you are on track.
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Set money aside for taxes
Spread a yearly or quarterly tax bill over the months before it, as a monthly expense or a separate tax account, so it never catches you out.
Do it faster
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Scan a receipt or an invoice
Photograph a receipt, or pick a screenshot or PDF: Xpenses reads the shop, the total and the date on your phone and fills in the expense. Nothing is uploaded.
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Import from another app or your bank
Bring your bills from a spreadsheet, another budgeting app or your bank's export, or photograph your banking app. You review everything before it is saved.
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Reminders and the monthly report
A reminder on the day a bill is due, a warning before an account goes below zero and next month's forecast by e-mail: how to turn each on or off.
Together and on your phone
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Share your budget with your partner
Invite your partner by e-mail: you both see the same accounts and bills, either of you can mark a payment, and the history shows who did what.
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Bank accounts, balances and transfers
Add your accounts, correct today's balance, keep savings or a tax reserve out of your total, and plan transfers between your own accounts.
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The phone app and home-screen widgets
Use Xpenses on your phone, add a widget with your month end or what you can spend today, lock it with your fingerprint, and share a receipt to it from any app.
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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, disconnect any time.
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Export or delete your data
Download everything as an Excel file on any plan, see what Xpenses keeps and does not, and delete your account for good.
Know how much you will have left at the end of the month
Works without your bank: we never ask for your bank passwords.