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Start with your accounts, then your first transaction. Add each account you want to track under Manage › Accounts with its current balance, and Spendezy keeps that balance up to date as you record transactions. Once an account exists, tap the + button on any tab to record spending. Budgets, goals and recurring bills build on top of that, so they are easier to set up once a week or two of real transactions is in place.

No. Spendezy does not connect to banks or card issuers, and never asks for banking credentials. You record transactions yourself. The upside is that no third party ever sees your accounts — nothing leaves your device unless you turn on iCloud Sync.

Home shows your current position and what is due soon. History is the full, filterable list of everything you have recorded. Analytics breaks your spending down by category, account and time period. Manage is where you set up accounts, categories, tags, budgets, goals and recurring rules.

Expense is money leaving an account and Income is money arriving. Transfer moves money between two of your own accounts without counting as spending or income. Refund returns money to an account and reverses spending in that category. Reimbursement records money paid back to you for something you covered on someone else's behalf.

Spendezy learns from what you have already recorded. When you pick a merchant you have used before, it suggests the category you most often assign to that merchant. Suggestions are only a starting point — change the category whenever it is wrong, and future suggestions adjust.

A transaction has exactly one category, which is what your budgets and reports are built on. Tags are free-form labels you can apply several of at once — useful for cutting across categories, such as a holiday, a house project or a shared expense you want to find later.

A category with past transactions cannot simply be removed, because that would leave gaps in your reports. The same applies to a category used by a recurring rule: the rule would keep generating, but uncategorised. Either way Spendezy asks you to reassign to another category first, and moves everything across. If you just want a category out of your pickers while keeping its history, archive it instead of deleting it.

Spendezy uses a single monthly spending limit across all your on-budget accounts, rather than a separate envelope for every category. You set the limit, and Spendezy tracks total spending against it as the month progresses.

Your budget health updates as you spend. It weighs what you have left against how much of the month remains, so spending fast early in the month can show a warning even while money is still available. Over Budget means you have passed your limit for the month.

Budget alerts fire once your spending crosses a percentage of your monthly limit — 80% by default. Change the threshold, or turn alerts off entirely, in Settings › Budget Alerts.

No. When you change your spending limit, Spendezy asks whether it applies only to the current month or becomes the default for future months. Months already completed are never rewritten.

On-budget accounts hold money you can actually spend right now — checking, savings, cash, credit cards and digital wallets — so they feed your budget. Tracking accounts, such as loans, investments and retirement accounts, count towards your net worth but not your day-to-day spending power.

Editing a balance by hand would break the link between your balance and the transactions behind it. Instead, use reconciliation: enter what the account really holds, and Spendezy records a reconciliation transaction for the difference so your history still explains the balance.

Credit utilisation is how much of your credit limit you are currently using. Keeping it below 30% is generally considered healthy for your credit score, and you can set a different target on any card under its Minimum Due Rule. Spendezy shows utilisation per card and overall so you can see it before your statement closes.

Open the loan account and view its amortisation schedule. It breaks each scheduled payment into interest and principal, so you can see how the split shifts over the life of the loan and what paying extra would change.

A recurring rule describes a bill or subscription and its schedule, from daily to yearly. Spendezy generates the transaction when it comes due, and you confirm it with Pay Now once the money actually moves. Rules make forecasting possible, since Spendezy knows what is coming.

No. Editing a rule only affects transactions generated from that point on. Everything already recorded stays exactly as it was, so your history and reports remain accurate.

Yes. Set the rule to inactive instead of deleting it. Generation stops, but the configuration and all past transactions are kept, so you can switch it back on later without setting it up again.

Reminders are delivered by iOS, so check that notifications are allowed for Spendezy in the iOS Settings app, and that the relevant reminders are enabled in Settings › Recurring Reminders or Account Payment Reminders. Focus modes and Low Power Mode can also delay or suppress delivery.

With iCloud Sync on, your Spendezy data syncs through your own private iCloud account, so the same records appear on your other devices signed in to the same Apple Account. It goes to your iCloud storage, not to our servers — we have no access to it.

Spendezy needs an available iCloud account to sync. Check that you are signed in to iCloud on your device and that iCloud Drive is enabled. The status line under the toggle explains what is currently blocking it.

Turning sync on or off changes how the local database is opened, and that can only happen at launch. Spendezy asks you to relaunch so the change takes effect cleanly without risking your data.

Use Settings › Export to produce a CSV or Excel copy of your transactions and keep it somewhere you control. Because your data lives on your device rather than on our servers, an export is the only copy we cannot lose for you — and the only one we cannot restore either.

On your device, protected by iOS encryption and your device passcode. We do not run servers holding your records, there is no Spendezy account to sign in to, and no analytics or advertising software is included in the App. The Privacy Policy explains this in full.

Turn on App Lock in Settings › Privacy to require Face ID, Touch ID or your PIN before Spendezy opens. Add Lock on Exit and the App re-locks every time you leave it, rather than staying open in the background.

Yes. Hide Balances masks every monetary amount across the App. Hide Notification Previews keeps amounts out of notification banners on your lock screen, and Screenshot Protection blurs the App in the iOS task switcher.

We cannot. Your PIN is stored in your device's Keychain and never sent to us, so there is nothing on our side to reset. Use the reset option on the PIN screen if it is available to you; otherwise the only way back in is to delete and reinstall the App, which removes the data on that device.

Settings › Export produces a CSV or Excel file of your transactions that you can open in a spreadsheet or move into another tool. The export is generated on your device and shared through the standard iOS share sheet.

No. Deleting a transaction removes it immediately and permanently — there is no trash and nothing to restore, so the confirmation is your last chance to change your mind. If it came from an imported statement, importing that file again is the fastest way to get it back. Otherwise you will need to re-enter it. Deleting a transaction also reverses its effect on your account balance, so your totals stay correct either way.

Settings › Privacy › Delete All Data permanently erases your transactions, recurring rules, income sources and merchants. Default categories are kept so the App still works. This cannot be undone, so export first if you want a copy. If iCloud Sync was on, also remove Spendezy data from your iCloud settings.

Merchants are where your money goes — shops, services and subscriptions. Income sources are where money comes from, such as an employer or a client. Keeping them separate is what lets Analytics answer both "where did it go" and "where did it come from".