Bills you track, from your own history
Most of what leaves your account every month is the same few bills. SpendWe looks for them in the expenses you have already recorded and suggests the ones that come back as bills to track. You confirm with Track, or ignore the suggestion. Nothing is tracked without your say.
SpendWe never connects to your bank, so it only knows the bills you entered or confirmed. That is the price of keeping your bank login to yourself, and it is why every figure on these screens is described as coming from your entries. More on that choice in no bank connection.
How to track a bill and get reminded
- Record the bill as a normal expense with its merchant name. To skip the wait, switch on Repeats every month in the expense editor; otherwise SpendWe suggests it once it has seen it come back.
- Confirm the suggestion with Track. The bill joins Tracked bills, with its next due date.
- Adjust it if needed: change the name, the amount or the day of the month, or choose Stop tracking.
- Let the reminder come. Two days before the next unpaid due date, your phone shows "Bill due soon".
- Tap Paid when it goes out. From five days before its date, one tap records the expense with the bill's name, amount and category, dated today.
Coming up on Home, and your subscriptions
The Home screen keeps the soonest bill in view in a Coming up card, as in the screenshot: the amount, how many bills are due in the next 7 days, the bill's name and date, and the Paid button. Once paid, the bill reads as paid for that month.
The Subscriptions view gathers the tracked bills whose category is under Subscriptions: the total per month and per year, and each one with its renewal date. It is captioned "From the bills you track, not from your bank." It covers monthly bills, and it has no cancel action: SpendWe shows what you pay, cancelling stays with the provider. A bill can be moved in or out by changing its category.
Shared bills in a household
In a shared household, the rent should be recorded once, not once per phone. SpendWe allows one payment per bill per month across all the devices of the household. If your partner already recorded this month's payment, your phone shows "Already recorded" once, shows their payment instead of yours, and does not offer Paid again for that bill and month. Nothing is counted twice, and the bill's amount goes into your budgets once.
Reminders: where they work
Bill reminders are local notifications, set by the app on the phone itself. They work on iPhone, iPad and Android, without an account and without a connection. The web app at spendwe.com/app does not send notifications, so it shows your bills but does not remind you. If notifications are switched off for SpendWe on iPhone, the app says so and offers to open Settings.
What is free and what is planned for Pro
Free: bill suggestions, tracking, the list with next due dates, editing and stopping a bill, the soonest bill on Home, one reminder per bill, Paid in one tap and the Subscriptions view.
Planned for SpendWe Pro, not on sale yet (see pricing):
- The bill forecast: everything due in the next 7 or 30 days in one list, with its total.
- "Will I cover my bills?": you type what is available now and the income expected before then, and SpendWe says whether the next 30 days are covered, or from which date you would be short, with what is left after each bill. It is always captioned "Based on the amounts you entered, not on your bank."
- Automatic logging of a tracked bill on its due date. It is set per device, so two phones in a household never both add the rent, and it never fills in dates before you turned it on.
To see how bills weigh on the month as a whole, the end-of-month forecast in Insights projects your total against your budgets.
