Multiple account types
Track checking, savings, credit-card, cash, and investment accounts in one directory.
Capability register
Every tool currently available in Spendful
From the first imported statement to annual planning, forecasting, and data export—this is the complete implemented feature set.
Available now
59
documented capabilities across 6 areas
01 · Money records
Accounts and transactions
Keep the source records behind every balance, report, and plan accurate and easy to review.
Open transactionsMulti-currency balances
Keep each account in its own currency while reporting consolidated totals in your base currency.
Manual transaction management
Create, edit, clear, categorise, and delete income or expense entries whenever records need attention.
Search, filters, and pagination
Find ledger entries by text, reporting period, category, account, tags, and page size.
Bulk transaction deletion
Select multiple visible transactions and remove them through one protected confirmation flow.
Account transfers
Move money between Spendful accounts without counting the movement as income or spending.
Receipt attachments
Add or remove receipt files on individual transactions and keep the supporting record nearby.
Tags and tag suggestions
Create flexible tags, attach several to a transaction, filter by them, and apply suggested tags.
PDF, CSV, and TXT imports
Upload downloadable bank statements in all three supported formats, up to 10 MB per file.
Bank-aware statement parsing
Choose the source bank so Spendful can interpret different column names and statement layouts.
Automatic import setup
Create statement accounts and categories that do not yet exist, then assign imported transactions to them.
Duplicate-aware importing
Detect existing statement rows before saving so the same transaction is not added twice.
02 · Planning
Budgets, goals, income, and debt
Turn current balances into practical plans for spending, saving, incoming cash, bills, and repayment.
Open budgetsCategory budgets
Set spending limits across one or several categories and edit or retire the plan later.
Flexible budget periods
Plan weekly, monthly, yearly, or against a custom date range.
Budget progress and warnings
Compare actual spending with the plan and see good, warning, or overspent states at a glance.
Annual budget planner
Build a month-by-month plan for the selected year and compare planned income, expenses, and savings.
Envelope budgeting
Assign available income to categories before spending and monitor what remains in every envelope.
Envelope rollover
Carry unused allocations into the next period without recreating the plan.
Savings goals
Set target amounts, dates, priority, status, and current progress for each savings objective.
Income schedules
Plan salary, freelance, dividend, bonus, or other income with weekly, bi-weekly, monthly, or custom timing.
Recurring bills
Record repeating expenses, recurrence rules, next dates, and active status.
Debt tracking
Track balances, rates, minimum payments, due dates, and target payoff dates across common debt types.
Snowball and avalanche plans
Compare repayment order, monthly schedules, payoff timing, and projected interest.
03 · Reporting
Dashboard, analytics, and financial health
Move from individual ledger entries to reporting periods, trends, forecasts, and concrete next actions.
Open analyticsShared reporting periods
Use one calendar month or year across the dashboard, transactions, budgets, and analytics.
Financial overview
See income, spending, net cash flow, balances, budget status, and recent activity together.
Income and spending trends
Compare totals over time with monthly charts and period-over-period context.
Category analysis
Understand where money comes from and where it goes, including totals and transaction counts.
Account activity
Review current balances, transaction volume, total movement, and last activity by account.
Spending-day and large-entry analysis
Identify the most expensive days and the individual transactions with the greatest effect.
Tag analytics
Compare tagged spending by total and transaction count across the selected period.
90-day cash-flow forecast
Project balances using recent daily spending and scheduled future income.
Investment performance
Compare opening and closing investment balances, contributions, and calculated gain or loss.
Financial health score
Measure savings rate, emergency cover, debt burden, goal progress, budget adherence, and overall direction.
Actionable health guidance
Turn health metrics into clear, rules-based recommendations rather than a score alone.
Unified finance calendar
See transactions, income, bills, goals, and debt dates on one month or week timeline.
04 · Organisation
Categories, rules, and currency automation
Create a reusable structure once, then let Spendful apply it consistently during entry and import.
Open automationHierarchical categories
Create parent categories and nested subcategories for more precise reporting.
Income, expense, and savings types
Give each category a financial role so totals and reports treat it correctly.
Category colours and usage
Set visual identifiers and review subcategory and transaction counts before making changes.
Description-matching rules
Match contains, starts-with, ends-with, exact, or regular-expression patterns to categories.
Rule priority and controls
Order rules, choose income behaviour, and enable or disable each rule independently.
Bulk recategorisation
Apply the active rule set to existing uncategorised transactions in one run.
Saved exchange rates
Maintain base-to-quote currency rates used to consolidate accounts and analytics.
05 · Attention
Notifications and personal preferences
Control what Spendful highlights, how the workspace behaves, and which defaults it remembers.
Open notificationsIn-app notification centre
Review generated finance alerts from the dashboard header and mark them as read.
Budget threshold alerts
Choose whether Spendful should warn when spending approaches a budget limit.
Low-balance warnings
Enable attention cues for account balances that need intervention.
Reports and transaction reminders
Control monthly-report updates and reminders to record recurring transactions.
Delivery preferences
Store email and device-notification preferences alongside in-app alerts.
Financial defaults
Choose base currency, normal budget period, payday, and transaction page size.
Profile and timezone
Keep the workspace identity, display name, and local time context up to date.
Appearance preferences
Select an interface theme and compact-view preference with persisted settings.
Privacy controls
Control analytics, data-sharing, marketing, and product-update preferences.
06 · Ownership
Data, security, plans, and access
Keep financial records portable, isolated, and under explicit account-level control.
Open settingsSecure sign-in
Use Clerk-managed authentication and session handling without storing online-banking credentials.
User-isolated records
Scope accounts, transactions, categories, budgets, and settings to the authenticated user.
Role-based access
Support viewer, member, administrator, and owner roles for protected actions.
Complete data export
Download a portable JSON archive of the financial data connected to the account.
Account deletion controls
Permanently remove the Spendful account and linked data through a protected confirmation flow.
Free and Pro plans
Apply plan-specific limits for transactions, accounts, categories, budgets, and advanced analytics.
Payfast subscriptions
Start a recurring plan through Payfast-hosted checkout, update the linked card, or cancel renewal in Spendful.
User administration
Let authorised owners review users and update workspace roles.
Start with your real numbers
Build your complete money workspace.
Add accounts manually or import a bank statement, then let every Spendful tool work from the same ledger.