Features

Simple tools. Serious habits.

Every feature is designed to make your money easier to see, plan, and organise — without jargon or pressure.

A · Budget Dashboard

Your whole month at a glance

Enter your monthly income once, add your fixed and variable expenses, and your remaining balance updates automatically.

  • Monthly income input — salary, self-employment, or mixed
  • Fixed expenses (rent, mortgage, insurance) and variable expenses
  • Bills calendar so nothing lands unexpectedly
  • Live remaining balance for the month
  • Spending categories with visual charts
See the live demo

Monthly spending by category

£2,130this month
Rent / Mortgage · £950Groceries · £420Transport · £185Utilities · £240Other · £335

Recent expenses

June 2026
DateDescriptionCategoryAmount
28 JunTesco weekly shopGroceries£62.40
27 JunMonthly rail passTransport£148.00
26 JunNetflixSubscriptions£10.99
25 JunCouncil taxUtilities£156.00
24 JunNursery feesChildcare£310.00
B · Expense Tracking

Know exactly where it goes

Add expenses in seconds, then search, filter, and export whenever you need a clear picture.

  • Add expenses manually with amount, date, and notes
  • 13 UK-relevant categories: rent, mortgage, utilities, groceries, transport, subscriptions, insurance, childcare, entertainment, debt, tax, savings, other
  • Search and filter by category, date, or keyword
  • Automatic monthly reports
  • Export to CSV or PDF
C · Saving Goals

Turn “one day” into a date

Set a target amount and deadline, and SpendWise shows the monthly saving that keeps you on plan — plus gentle reminders to keep momentum.

  • Goals for a house deposit, car, emergency fund, holiday, wedding, education, business fund, or debt repayment
  • Target amount and deadline per goal
  • Track the amount saved so far
  • Monthly required saving, calculated for you
  • Progress bars and motivational reminders

Active goals

🏠 House deposit£2,905 / £6,000
Deadline: Dec 2026£560/month to stay on track
🚗 Car fund£1,150 / £3,500
Deadline: Jun 2027£196/month to stay on track
🛟 Emergency fund£820 / £1,500
No deadline55% saved — keep going!

Tax organisation centre

2025/26 tax year
  • P60 / P45 filed · uploaded 12 May
  • Invoices Apr–Jun collected
  • Bank interest statements — pending
  • Expense receipts folder — 14 of ~30 uploaded
📅 Reminder: the UK tax year runs 6 April to 5 April. Online Self Assessment returns are typically due 31 January — always confirm dates on GOV.UK.
D · Tax Organisation (UK)

Tidy tax records, calmer January

Organisation only — never tax advice. SpendWise helps you keep everything in one place so official deadlines don't turn into panics.

  • UK tax year reminders (6 April – 5 April)
  • Self Assessment reminder section
  • Document checklist, income records, and expense record folder
  • HMRC payment reminder field
  • Upload invoices and receipts
  • Notes section for questions to ask your accountant
  • Direct links to official GOV.UK / HMRC pages
⚠️ Always confirm tax deadlines and obligations with HMRC or a qualified accountant. SpendWise does not calculate, check, or advise on tax.
E · Money Tips Library

Learn practical money habits

Short, honest, educational guides — no investment promises, no guaranteed results, no regulated advice. Just practical organisation.

  • Budgeting methods explained simply (50/30/20, zero-based, envelopes)
  • Subscription audit checklist
  • Emergency fund starter guide
  • House deposit and car saving plan templates
  • Debt organisation tips (snowball vs avalanche, explained neutrally)
  • Tax organisation checklist for employees and the self-employed
📖

The Subscription Audit

Find and cancel the direct debits you forgot about — a 20-minute checklist.

🛟

Emergency Fund Guide

How to build a buffer step by step, starting from £0.

🏠

House Deposit Plan

A month-by-month saving structure you can adapt to your income.

🧾

Tax Organisation Checklist

What documents to keep, and when, for a stress-free tax season.

Income vs expenses

Last 6 months
£0£875£1,750£2,625£3,500JanFebMarAprMayJun
IncomeExpenses
F · Reports

Your month, on one page

Clear, downloadable reports so you can review progress or share records with your accountant.

  • Monthly budget report
  • Savings progress report
  • Tax document summary
  • Spending category breakdown
  • Downloadable PDF and CSV
G · Client Account Access

Secure, personal, private

Accounts are created for you by our team. You receive your access details by secure email or WhatsApp, then set your own password on first login.

  • Login with your own username and password
  • Temporary password or magic login link on account creation
  • Forced password change on first login — only you know your password
  • Password reset and optional two-factor authentication
  • Account status management: active, trial, expired, suspended
  • Strict data separation — no client can see another client's data
🔐

How access works

  1. Choose a plan and confirm payment
  2. We create your private account
  3. You receive a temporary password or magic link by email/WhatsApp
  4. You log in and set your own password
  5. Optionally enable two-factor authentication

See it all in action