In Spendle you can create multiple administrations as described below. An administration is a collection of bank accounts you want to maintain in Spendle. For example your personal administration, containing your different bank-, savings- and mortgage accounts. An administration gives you one single overview of your personal finance.
Create a new administration
Create a new or open an existing administration via the hamburger menu → open
Your administration password is used to encrypt your data so only you can see the data. Please mind that without this encryption password you are unable to use your administration. There is no recovery mechanism for your administration password, so please store it with care.
When created, an administration is stored encrypted in your browser storage (IndexedDb). You can open and edit it even when your are offline. Each time you change the data in your administration, it is automatically stored in your local administration. All the administrations are visible as work files in the open menu.
To backup synchronize your administration between devices you create and use your Spendle account. A Spendle account is your personal account protected with a username/password which you can create in the Spendle app. A Spendle account is used to:
Store a backup copy of your encrypted administrations (optional)
Synchonise your data between your devices (optional)
Store your purchased Spendle licence
When you open a workfile an automatic backup is created (max once a day) in case you want to revert back to an earlier version. When you open a backup version, a backup of the currrent version is also created, so you can switch between current and older versions easily.
Categorizing your transactions will give you a much better insight in your income and expenses. Categorizing will take some time to setup initially, but will help you to automate this a much as possible.
After importing new transactions in Spendle a summary screen appears as displayed below. By checking the “apply matching community rules” Spendle can assign a category and relation for you automatically based rules shared by others and approved for use. If you want to setup your administration yourself, you can uncheck this feature and create your rules for categorizing.
Uncategorized transaction can be manually assigned as illustrated below.
Create a rule
You can assign categories and relations automatically via action rules. Action rules are executed when new transactions are imported.
Via the tab “matches” you can see which transactions will be updated by the rule.
All rules can be viewed and updated via menu more → rules.
You can (automatically) split a transaction into multiple categories via the split button on the transaction details or rule details.
In the transactions view you can see all your imported transactions. It is possible to search & filter and make transaction selections to perform actions upon. All the functionality is explained in more detail below.
Transactions can be filtered on a single account or a list of accounts (profile).
By default transactions of the current year are displayed. You can change the active period via the period dropdown or by using the back and forward arrows next to the selected period.
Via the search button you can search transactions by keyword.
Using the filter button you can apply a more detailed filter on the transactions as illustrated below.
It is possible to select one or multiple transactions and perform an action on that selection. The select mode is activated when you click the icons of a transaction as illustrated below.
Via the action menu it is possible to (de-) select transactions and perform and action on the selection as described below.
Assign a relation, category or account to the selection.
Removes the selected transactions after confirmation.
Creates a summary of the selection displaying total amounts and number of transaction.
Creates a detailed report of the selection. You can choose an available report template to apply.
Exports the selection to a format which can be used in Excel.
If no selection is made the action is performed on all the transactions in the active filter.
Spendle is developed as a Progressive Web App. A progressive web app (PWA) is a website that looks and behaves like a mobile app. This new technique is best supported on Google Chrome, Microsoft Edge, Samsung Internet browser and Mobile Safari. The installation procedure is illustrated below.
If you are using a browser without PWA support (like firefox), you can just use Spendle in your browser. Spendle does not work on older browsers like Microsoft Internet Explorer.
In Spendle it is possible to import transactions via transaction files, connect to yout bank account via an automatic PSD2 connection or by entering them manually. The possibilities are described and illustrated below.
Import transaction files (CSV / Excel / OFX)
You can drag or upload any transaction CSV, Excel, OFX or QFX file into the import menu in Spendle.
Add a link to your bank import
You ad add a link to your bank environment where you download your transaction files from.
Supported file formats
Transaction file formats differ per bank. When you import a new file Spendle will search in the supported csv, Excel, OFX and QFX formats. If the file format is not yet supported you can define a custom mapping or you send an e-mail to firstname.lastname@example.org with an example of the file (~3 lines anonimised example) and request to have it have supported.
Create an automatic PSD2 connection to your bank
Via an automatic PSD2 connection to your bank it is possible to import new transactions and balances regularly with one click. For this you need to create a connection via Klarna as described and illustrated below.
Add transactions manually
You can also register income and expenses manualy with the + button of the transactions view as illustrated below.