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You create an account under Create account. Depending on the installation you need an invitation code from the operator; the registration page tells you whether that’s the case.

Then you confirm your email address via the link in the email. In the Ausgabentracker Cloud your account then has Basic right away, free and without an end date. On other installations new accounts usually start with a trial; the operator decides how long it lasts and what’s included.

On the sign-in page, click Forgot your password? and enter your email address. You’ll get a link to set a new password. If no email arrives, check your spam folder.

You set up a passkey under Settings → General in the Your account section. After that you sign in with Sign in with passkey using your fingerprint, face or device PIN, without any password. Fingerprint and face data never leave your device.

Under Settings → General in the Your account section. You connect an authenticator app and also enter its code when you sign in. Keep the recovery codes safe: they get you into your account if your phone is gone.

Under Your account in Settings → General you see the most recently active signed-in devices with their name and when they were last active, all of them via Show all devices. There you end individual sessions or sign out everywhere, for example after losing a phone.

Settings → Activity lists important actions: sign-ins, changes, exports, AI and sharing. For security-related changes, such as a new password or passkey, you also get an email.

Under Your account in Settings → General with Edit account. For a new email address you need your current password; you confirm it via a link in the email, and the previous address gets a notice.

Under Your account in Settings → General with Delete account. This deletes all your data. The dialog first offers to download your data (with receipts or data only), see also How do I back up my data?.

In Settings → Data with Delete data …. You choose what goes: everything or individual areas such as entries, accounts or the bank connection. Your account, sign-in and license remain; afterwards you get the default categories again. The dialog first offers to download your data.

Via the + at the top right of the bar (on a phone and on desktop). Choose the rhythm (monthly, quarterly, semi-annually or annually), the payment day and the first debit, and optionally an end. The expense then sits on its day in the month, annual costs in the right month.

In the month, tap the day and tick off the expense in the side panel, or use the list. Done items appear faded and count as paid. With the bank connection (from Plus) this happens by itself as soon as the matching transaction is assigned.

Open the expense, change the amount and choose From a date. The new price applies from that date; earlier months stay as they were. For all months changes the past too, for example for a typo.

You see the price history on the expense. How to react to an increase is explained in the guide Subscriptions and price increases.

Yes. In the expense dialog you set a reminder a few days before it’s due, by email, push or both. You choose the default for new expenses under Settings → Notifications. There you can also turn on Remind me of new recurring expenses automatically: “Remind” is then already ticked for every new series (you can untick it), one-time expenses stay without.

Templates save typing for expenses you enter often. In the expense dialog choose From template instead of Enter again and pick the template. You manage them under Settings → Templates.

A one-time expense in the month (via the “+”) is a normal item in the calendar, such as the weekly shopping, and counts in “Left from income”. The Purchases page is for larger purchases like a washing machine, holiday or car: with tags, notes and optionally warranty and receipts. Purchases don’t count towards your monthly plan; the analysis shows them separately. That way you see over the years what a topic cost. With Import you bring in a list as a CSV file (sample file in the dialog); in your transactions, Add as purchase turns a transaction into a purchase.

Tap the eye icon at the top (Hide amounts). All amounts stay hidden until you show them again with the same icon.

Tap the magnifier (at the top on the web, bottom right in the iPhone app); on the web Ctrl+K or ⌘K on a Mac works too. Search finds expenses, income, purchases, accounts, loans, savings goals and categories, plus pages, individual settings and answers from the help. Amounts work too, e.g. “17.99”. On the web you choose with the arrow keys and open with Enter; an expense opens its month with the search term as a filter.

In the month, right at the top. You decide whether the amount applies every month or only this month. Income is the basis for “left from income”, the surplus rate and the balance forecast.

Under Settings → Categories with name, color and icon. You’ll see the color everywhere, in the calendar as well as in the analysis. If a category is missing while you record an expense, create it right in the picker: New category at the bottom, enter a name, done. You can change color and icon later in the settings.

On the overview, open the dialog for all categories in the Budgets section and enter monthly amounts. The app shows how much is already gone and speaks up when a budget is almost used up or exceeded.

The rest of a budget counts as planned in the current month; in past months it expires. Tips on setting budgets are in the guide Budget per category.

The two numbers start from different points; in the month they appear as two calculations side by side. Left from income is this month’s income minus what is paid and what is still open (open items plus the rest of your budgets). What is on your accounts doesn’t matter for it. Free on the account is your balance (accounts that count towards “Free”) minus everything still to go out, the money you can really use right now; it only exists for the current month. That is why they differ: money from earlier months is in your balance and makes “Free” larger; income that hasn’t arrived yet already counts for “Left”, but not yet for “Free”. Example: income 3,000 €, paid 1,800 €, still open 700 € leaves 500 €. If your account holds 2,400 €, 1,200 € of it from earlier months, 1,700 € are free. Charges paid from the reserve count for neither as long as it has enough money. The surplus in the analysis and the surplus rate, by contrast, are income minus all expenses. More in the guide What’s left at month end?.

The statistics start with the first month in which you recorded something, so empty months don’t distort the averages. You change this under Settings → General with Statistics from.

Under Plan → What if you try out decisions before you make them. It works with your average income and average variable spending from the last 3, 6 or 12 completed months, plus the fixed costs running today. The Moving and Car templates already contain the usual items; you can change or drop expenses, add new ones, change your income and enter one-time costs such as a deposit or down payment.

Mark an item with Work out the maximum and the app shows how high it may be so that at least the amount you set is left each month (pre-filled with your savings goal payments, otherwise 10 % of your income). Rules of thumb (rent at most ⅓, car at most 15 % of net income) are shown for orientation. Scenarios are saved and compared side by side from two on; Apply from … turns them into real expenses and income from a date, earlier months stay unchanged.

Under Accounts & loans you create your checking account, savings account and other accounts and enter the current balance. The history appears as a line. With the bank connection (from Plus) balances come in by themselves.

For every account the app looks 60 days ahead: from today’s balance, open debits, savings rates and expected income. The forecast appears dashed in the account’s history. If an account is about to go negative, a tip warns you, by email or push if you like.

Yes. Edit the account and enter a buffer under Warn below, for example €300. The app then speaks up before the forecast balance drops below it. Why a buffer is worth it is explained in the guide Never go into overdraft again.

Edit the account and untick Counts toward “Free on the account”. The balance stays visible but no longer counts toward what you can spend in the month.

Under Accounts & loans via Add depot (or choose the type Depot / investment when adding an account). The app works with three numbers: Value is what your depot is worth today (according to your broker’s app), Paid in is what you paid in yourself, and gain or loss is value minus paid in, calculated by the app. When adding, enter the current value and under Paid in the sum so far; with Since the history starts on that day. Record later deposits on the depot card via Deposit/withdrawal (amount, day, account) and new values via Update value. If you take money out, choose Withdrawal there: it lowers “Paid in” from that day but doesn’t count as income; then enter the new value via Update value. A savings plan can be switched on or paused with a checkbox; the instalment appears in the month as saving. The history shows the value as a line and the paid-in amount dashed; the gap is your gain. The app does not fetch prices. At Trade Republic the bank connection only provides the clearing account: add it as a normal account and connect it.

Under Accounts & loans with amount, interest, payment and term. The app automatically adds the payment as an expense, including a different final payment. You also see the remaining debt, the repayment plan and the end of the term.

Under Accounts & loans, click Extra repayment on the loan. Enter the amount and date (future dates work too) and choose One-off or Yearly. Shorten term keeps the payment and the loan is paid off sooner; Lower payment keeps the end date and the payment drops from the next one. The preview shows the interest you save beforehand. With Book as expense the payment appears in the month as “Extra repayment: name”. If you entered the loan as a balance with a date, earlier extra repayments are already included in it.

Under Settings → Bank connection you choose your bank and confirm the permission in your banking app. The connection runs through a licensed service under the European payment services directive PSD2, with read-only access. After that, new transactions arrive automatically twice a day.

What happens to your data is explained in the guide Connecting your bank, and in detail in the privacy policy.

Depending on the bank, the permission for account access lasts 90 to 180 days. The app reminds you beforehand; then you click Renew permission and confirm it in your banking app.

They land under Accounts → Transactions. If a transaction matches a planned expense, it is assigned to it and the expense counts as paid. The app books known merchants via learned rules; everything else comes as a suggestion to confirm. You can detach or undo every import.

If a regular payment hasn’t come for a while even though your transactions go further (for example your previous energy supplier), it appears under Accounts → Transactions in the Ended group. Add as ended creates it as a series up to the last due date: past months are complete, the old debits are assigned and future months stay free. If an existing series stops being debited, the app suggests Set end; if it is still running, choose Still running.

A bundle combines many small transactions, for example all supermarket purchases of a month in one item per category or merchant. That keeps the calendar clear even if you pay by card every day. When you “Apply” a transaction (in the month under “From the bank” or in Transactions), the dialog lets you choose whether it goes into the bundle or becomes its own expense with its own name; preselected is what is set for the category.

Yes, as a CSV file from your online banking: under Accounts → Transactions with Import CSV. You see a preview and assign the columns; the app remembers the mapping per account. A step-by-step guide is in Importing bank transactions as CSV.

Connect PayPal under Settings → Bank connection like a bank (search for “PayPal”; the app creates a separate “PayPal” account for it) or import the PayPal export (in PayPal under Activity → Download, CSV) into a separate “PayPal” account. A purchase made with PayPal then shows up in the PayPal account and as a PayPal debit on your checking account. The app recognizes both as the same purchase: one expense remains, the other side is listed under Ignored with the reason. Top-ups of your PayPal balance count as transfers. If the match is uncertain, the transaction shows “Maybe the same purchase as …”; one click confirms it. Restore undoes a pair.

On the recurring expense, tick Contract with notice period and enter the end of the term, the notice period and the renewal. The app calculates the last day to cancel (end of term minus notice period; if the term ends at the end of a month, the end of the previous month counts, e.g. 30 Nov with one month’s notice: 31 Oct) and reminds you 7, 14 or 30 days before. What your contract says is what counts.

You see all contracts with their dates under Analysis → Fixed costs & subscriptions. How notice periods work is explained in the guide Cancel contracts on time.

After the reminder, you decide. Cancelled ends the debits at the end of the term. Keep lets the contract continue; the app only speaks up again for the next term.

On the expense, tick Trial and enter what the trial costs, by when you have to cancel (Cancel by) and from when the full price applies (Full price from). A trial price is booked as a separate expense.

The app reminds you 1, 3 or 7 days before the last day to cancel and once more on the last day. After that you choose Cancelled or Keep. What to watch out for with trials is in the guide Free trials without traps.

Yes, with the AI assistant. Take a screenshot of the confirmation or use the PDF and choose Fill in from receipt in the expense dialog. The app sets the trial price, cancel by, full price from and the later price, even if the email only says “12 weeks” or “after the tenth issue”.

Below the amount there’s Convert price per week. You enter the weekly price and the app calculates the monthly amount: weekly price × 52 ÷ 12. €7.10 a week becomes €30.77 a month.

When an expense gets more expensive, the app shows a tip with a note about the special right to cancel, and as a notification if you like. You enter the new price from an effective date, see A subscription is getting more expensive.

Under Savings goals with a target amount, optionally with a target date and starting amount. With a savings rate the app books an expense “Saving: …” every month. It shows whether you’re on plan, which monthly rate is needed and when you’ll reach the goal.

Yes. Then the savings account provides the goal’s balance. Without an account, the balance comes from deposits and rates; you then enter deposits and withdrawals by hand.

A pot for everything that only comes quarterly, semi-annually or annually, such as insurance or the broadcasting fee. The app spreads these costs across the months and books the total as a savings rate. When a debit is due, the reserve pays it; in that month it doesn’t count again toward “still open”.

You set it up under Savings goals with Set up reserve. Background in the guide Plan for annual expenses.

If the pot isn’t enough for one of the coming dates, the app shows a warning. Under Adjust reserve you can add a starting amount, choose an account of its own such as a savings account, or take individual costs out of the reserve.

You can archive them; they then disappear from the list but are kept. When deleting, you decide whether the previous rates stay in past months.

In the dialog of an expense or one-time purchase you add a photo or PDF up to 10 MB. Photos are rotated, downsized and stored without metadata such as the location automatically. Your license determines how many receipts you can store; from 80% you get a notice.

For a purchase under Purchases you enter Warranty until, with quick choices of 2, 3 or 5 years from the purchase date. The app reminds you 30 days before it expires. With the With warranty filter you find all purchases with a warranty. What to keep and for how long is in the guide Receipts and warranty.

Yes, with the AI assistant: Fill in from receipt in the dialog takes amount, merchant, date and category from the photo or PDF. For this you allow “Read receipts with AI” once under Settings → AI assistant, because the whole image goes to your AI provider with everything on it (for doctor or pharmacy receipts also health information). Below the button it always says where the file goes; more on this in the privacy policy. With Receipts & warranty (from Plus) the file is attached to the entry as a receipt right away.

On the Documents page: year in reviews and monthly reports as PDF, all receipts with search and a jump to the entry, and your data exports. You can download reports or have them emailed to you.

A short full-screen story with a year’s totals, biggest items, categories, savings goals and loans. You open it under Year in review; as a PDF you find it under Documents.

Under Settings → Sharing you invite the person by email address or by link or code. They need their own account and have to accept the invitation.

Then you offer what you share: accounts, individual expenses, purchases, your income, savings goals, categories or loans. The other person accepts each share separately. Your data always stays with you.

Yes, with Create link and code under Settings → Sharing. Send the link via messenger or text; the code can also be typed in or read out over the phone. It’s valid for 7 days and only once; whoever redeems it is connected with you right away. The app only shows the code right after it’s created.

For the open invitation under Settings → Sharing there’s Resend, at most once an hour. Whether an email or push message arrives depends on the other person’s settings; they see the invitation in the app in any case. If they don’t have an account yet, nothing arrives; then the invitation link is the better way. For privacy reasons the app doesn’t show whether an account exists for the address; without a reply the invitation disappears from the list after 30 days.

With View the other person sees the shared entry. With Edit they may also change it, for an account for example add expenses to it. More rights have to be accepted again; fewer apply right away. Income and loans can only be shared for viewing.

The settlement under Sharing shows who owes whom how much from shared expenses and purchases. Per entry you choose the split: half and half, only me, only the other person or a custom share. What goes out from the joint account doesn’t count.

After the transfer, tap Settlement done; this starts a new period. Models for fair sharing are presented in the guide Split shared costs fairly.

Either side can end a single share or the whole connection at any time under Settings → Sharing. Your own data stays unchanged; shared entries are just no longer visible to each other. For a shared category, the other person gets their own copy with their entries.

It answers questions about your finances and how to use the app and suggests actions, such as adding an expense or a purchase (with tags and warranty) or changing a budget. Nothing is carried out until you confirm. On top of that come tips on the overview and analysis, reading receipts and category suggestions for new transactions.

Your own key from OpenRouter (a service with many AI models) or from Anthropic (the Claude models directly, key at console.anthropic.com). Under Settings → AI assistant you choose the provider, enter the key and pick a model; with Anthropic, Claude Haiku is preset (for questions and receipts). The provider bills the costs directly to you, and the key is stored encrypted. If you switch providers, you need that provider’s key.

Only what you share. Under Settings → AI assistant you choose building blocks such as monthly totals, categories, subscriptions or accounts, and the period. Names can be replaced with placeholders and amounts rounded. A preview shows exactly what is sent. Category names and budgets are sent in plain text; name, email address, IBAN and notes never go to the AI. The details are in the privacy policy.

Under Settings → AI assistant you see the costs per area, provider and model, plus the history of the last 6 months. You set a separate monthly budget for OpenRouter and for Anthropic: from 80% the app warns you, at 100% requests via that provider stop until the start of next month.

Under Settings → Notifications you turn on push for This device and allow notifications. For each occasion you then choose email, push or both. A test message checks whether everything arrives.

On iPhone and iPad, push only works from the app on the home screen, from iOS 16.4. Open Ausgabentracker in Safari, tap Share and then Add to Home Screen. Start the app from there and turn on push in the settings.

Yes, as a web app with its own icon. On Android via the browser menu (Install app or Add to home screen), on iPhone in Safari via Share → Add to Home Screen. Financial data is only stored on the device if you turn on Available offline on this device under Settings → Data.

Ten, for the Home and Lock Screen: Free until month end, Check off debits (tap the box to check one off, even offline), Deadlines & trials, Budgets, Balance forecast, Savings goal, Quick add (plus and up to three templates), Month calendar, Reserve and Tip of the week. Plus “New expense” and “Read receipt” for Control Center and the Action button. Touch and hold the Home Screen, tap Edit → Add Widget and choose Ausgabentracker; you set the category, account, savings goal and templates when editing the widget. Under More → General you decide whether widgets show amounts.

About due expenses, exceeded budgets, accounts going negative, price increases, ending notice periods and trials, expiring warranties, the bank permission and new transactions, the month-end summary, the license and sharing requests. You turn each occasion on or off individually.

Basic includes all core features: calendar, budgets, accounts, forecast, contracts, savings goals and notifications. Plus adds the bank connection, CSV import and receipts & warranty. Pro also includes the AI assistant and sharing with other people.

That’s the usual split; what counts is what your License page shows. In the Ausgabentracker Cloud, Basic is free; Plus and Pro aren’t available there yet.

On the License page, which you also reach via the user menu with Manage license, on a phone via More → License. There you also see your active plan, the included features and the limits.

No. In the Ausgabentracker Cloud, Basic is free and has no end date, in the browser and in the iPhone app. You don’t need a subscription or payment details for it.

Plus and Pro with bank connection, receipts, AI assistant and sharing aren’t available in the cloud yet. What your account includes is shown under More → License or on the License page.

Your data is kept. The app reminds you beforehand with a notification. Without a valid license it shows the license page until you enter a new license.

Under Settings → Data you export a backup as a file, with areas of your choice. You can import the same file again later, merging or overwriting. For Excel or Numbers there’s also the export as a table (CSV).