What Insights shows you
The screen opens with Your month so far: one sentence comparing this month with the same point last month, and the category that explains most of the difference. In the example above, that reads "You're spending 9% less than by this point in September", mostly thanks to Food & Groceries.
Below it, the charts give the detail:
- A category donut with each category's share of the month.
- A month-on-month trend, so a slow drift in one category becomes visible.
- A pace line against your budget, showing whether you are ahead of or behind where you would expect to be by today.
- A daily calendar heatmap, where the heavy days stand out at a glance.
- A split per payer in a shared household, so both of you see who paid what.
Insight cards then point out what is worth knowing: a category well above its three-month average, spending in a category that is new this month, the month's forecast, and savings goals whose deadline is at risk at the current pace.
Where could the month end?
The forecast card answers the question most people ask around the middle of the month. It takes what you have spent so far and projects a total for the whole month, then sets it against the budgets you set. The card says it in words, for example "On track to finish ~€670.00 under your budgets", with the projected figure next to the total of your budgets.
It is a projection from your own entries, not a promise. A large bill at the end of the month or a holiday will move it, which is why the bills you track have their own list (see recurring bills).
The same comparison appears in short on the Home screen: a trend line under the main figure compares this month with the same day last month, and tapping it opens Insights.
How to read your month, step by step
- Add your expenses as they happen, by hand or by scanning a receipt.
- Set a monthly budget on your main categories, so the pace line and the forecast have something to measure against.
- Open Insights from the Home trend line or the Insights tab, and read Your month so far first.
- Check the forecast card. If it says you will finish over budget, the donut and the cards show which category is responsible.
- Open This week for a short weekly check-in: the week's spending, one comparison with the week before and your three top categories.
The weekly check-in and the monthly recap
This week shows one week at a time, with arrows to go back. It never goes past today. In a household it adds "Who paid what" from shared expenses only. There is no streak and no score: it is a look at your week, not a game. On the phones you can turn on an optional reminder to open it.
At the end of the month, the Monthly recap puts the month on one card: the headline figures, a category table with each share and its change against last month, and your goals. You can share it as an image or as a PDF. It is built on your phone from the same figures, and only leaves it if you share it.
Ask SpendWe and your month in words
Two AI features sit on the same screen. Ask SpendWe answers a question about your own spending, and Your month in words writes a short summary of the month. Both work only while Use AI is on: the app asks when you first open it, and you can switch it off at any time in settings. They run through SpendWe's server, which asks Anthropic's Claude model, and only what each task needs is sent: for a question or a summary, totals, top merchants, budgets and your question. Never your notes, names, email, comments, location or private transactions. AI answers can be wrong, so check them before you rely on them. Details are in the Privacy Policy.
What is free
The charts, the forecast and the insight cards are free for the current and the previous month. The weekly check-in and the monthly recap are free. The full chart history and the AI features are planned for SpendWe Pro, which is not on sale yet; see pricing.
