Your money,
in plain words.

Log in one line

1. On Home, tap the Spence bar and type or say “add $45 Shell gas yesterday”.
2. Spence fills in the amount, store, category and date.
3. For a bill, turn on Repeats and it is added every month for you.

Add it any way you like

1. Tap + on any screen: add by typing, scan a receipt, scan a price tag, or import.
2. Import a photo or PDF of one receipt, or many receipts, a spreadsheet or your Amazon orders.
3. Type a few letters in Category and your own categories come first, then suggestions.

Online orders are filed by what you bought, not by the store.

Scan a receipt

1. Tap +, then Scan a receipt, and take a photo, or share a PDF or e-receipt into Spence.
2. Every item comes out with its price, weight and category.
3. Split the bill with friends? Spence asks “Bill split 3 ways?” and records your share and tip.

A breakdown is only saved when it adds up to the total.

Smart linking

1. Scan a tire rotation, an oil change or a car wash and Spence files it under your car with its mileage.
2. Gas and charging land on the right vehicle, with price per gallon and miles.
3. A utility bill, a plumber or a hardware receipt is counted in Home costs and its projects.

Open any expense to see where Spence filed it.

Your car

1. Open More → Car for the month, fuel and a service timeline.
2. Set how often each service is due, by months or miles. Spence reminds you.
3. Add a lease or a loan in your profile for payments left and miles against your allowance.

Your home, live

1. Add your loan once in your Financial profile: balance, rate, term, home value.
2. Keep logging payments. Spence works out principal, interest, equity and your payoff date.
3. Rent too? Add it and rent, increases and your lease dates are tracked.

Refinanced? Earlier loans are kept, and Original / Current switches the numbers.

Utilities

1. Share your utility's billing history (a CSV or spreadsheet) into Spence.
2. Confirm the company and kind: electric, gas, water, internet, trash.
3. Open More → Home → Utilities for the last 12 months by utility.

Share a utility with your space and everyone sees their part.

Budget and its history

1. Open More → Budget. Tap a category to set or change it.
2. Spence asks where it applies: from this month, from a month you pick, or every month.
3. Past months show the budget that applied then.

Share, add and settle up

1. Create a space for your home, partner or trip and invite people by email.
2. Open the space and tap Add an expense: it goes straight in, with the split ready.
3. Who owes who settles everyone in the fewest payments.

Return something

1. Scan the return receipt like any other receipt.
2. Spence finds the original purchase and offers to update it.
3. The total drops and the item stays listed, marked returned.

Scanning the same return twice never refunds twice.

Trips

1. Away from home, the Add screen asks Part of a trip?. Spence never makes one on its own.
2. Scanned flights and hotels are dated and placed for you.
3. Open the trip for its route map, stops and totals, and add into it from its page.

Watch a price

1. In a store, tap +, then Scan a price tag, and snap the shelf tag.
2. Spence follows that product's price over time, never as an expense.
3. Set a target price or a drop. Spence tells you when it is met, and whether a receipt beat it.

Store rewards

1. Shop at Costco, Amazon, Target or any store with a rewards program? Spence asks once, and never assumes.
2. Enter your membership fee and the reward rate. Spence matches the fee to your recurring bills and estimates what you earn from your own spending.
3. When the real reward arrives, enter it. Spence shows whether the fee paid for itself, and tells you before it expires.

Choose “none” if a reward has no expiry. Everything is sealed like the rest of your data.

Subscriptions, found for you

1. Spence spots subscriptions and repeating bills from your own expenses, even ones you never marked as recurring.
2. Open Subscriptions from Home or Bills to see what you pay each month and year, and which prices went up.
3. A shared space shows its own subscriptions too, so everyone sees what the household pays for on repeat.

Tap any item to open its latest charge, then change or stop tracking it.

Hide balances

1. Tap the eye at the top of Home, Spending or Insights.
2. Amounts, dates and limits turn to dots on every screen, not a blur, and the rest of the page stays readable.
3. Tap Balances hidden · Show when you want them back.

Ideal for the train or a shared screen.

Make Home yours

1. Hold any card on Home for two seconds to start editing.
2. Hide it, or move it up and down. Hidden cards wait as small buttons in a Shortcuts row you can move too.
3. Settings → Customize dashboard lists every card on Home and Insights, with a button to go back to the original.

Your layout is sealed and follows you to a new phone.

Insights, in four tabs

1. Open Insights and pick a month. One hero number, then the four tabs.
2. Where it goes switches between categories and stores. Tap a store to see its visits, items and tax.
3. Spence’s take is written from your own numbers, never guessed.

Your prices

1. Spence compares the same product across your own receipts, per pound, per litre or each.
2. See the year you pay, what moved and where it was cheaper.
3. Add a product to Price Watch from Smart shopping to be told when it drops.

Only your own receipts are used. Community prices are opt-in.

Ask Spence anything

1. Tap the Spence bar or logo and ask: “where did my money go this month?”
2. Spence answers from your phone and draws a donut, bars or a price line.
3. Any change it suggests waits for your tap, and you can undo it.

Your own AI CFO

1. Open CFO and set up your income, home and car once.
2. See cash flow, taxes, net worth and a month forecast. Pick a CFO mood: Atlas, Sunny or Major Penny.
3. Fixed costs are never offered as spending to cut.

Pro feature. Estimates, not tax advice.