1. Create and verify your login
Choose Get started, then enter your name, email, country and currency. Open the verification email, choose a password and log in. Google sign-in is also available on the sign-in screens. Use an email address you can access.
2. Add a money account
On Home, choose Account or Add account. This is a record of money you track, such as a bank account, cash wallet or savings account. Give it a name, choose its type and currency, and enter its starting balance.
3. Record a transaction
Choose Income or Expense on Home, or use the matching action on Activity. Enter a positive amount, choose a category and account, add a note if useful, then save. Review the saved transaction in Activity.
4. Add a category budget
Open Budgets, choose Add budget, select a category and enter a Monthly limit. Save it, then check the progress as expenses are recorded.
5. Find the rest of the app
Home, Activity, Budgets and Profile are the main navigation tabs. Profile opens settings, bills, reports, household, imports, Spndy AI and support. You can explore these after the basics are in place.