Frequently Asked Questions (FAQ)

Yes! The basic version is completely free and includes:

• Up to 5 subscriptions
• 30 wallet entries per month
• 3 months of history
• Basic reports

For advanced features and higher limits, we offer Premium membership with unlimited possibilities.

Yes, your data security is our priority:

• All passwords are securely hashed
• We use HTTPS encryption for all communication
• We comply with GDPR
• Data is regularly backed up
• We never share your personal data with third parties

1. Click the "Sign Up" button
2. Enter your email and choose a strong password (min. 8 characters)
3. Select country and currency
4. Accept terms of service
5. Verify your email (link valid for 24 hours)

Try these steps:

1. Check your SPAM/Junk folder
2. Wait a few minutes (delivery can take up to 5 minutes)
3. Verify you entered the correct email
4. You can request a new verification email

Note: The verification link is only valid for 24 hours.

1. Log in to your account
2. Go to My details
3. Click Change Password
4. Enter current password and new password (twice)
5. Save changes

Forgot your password? Use the "Forgot Password" feature on the login page.

1. Go to Profile Settings
2. In the "Basic Settings" section, find the Currency field
3. Select desired currency
4. Save changes

Note: Currency change affects display only. Entered amounts are not recalculated.

To delete your account:

1. Go to My details
2. Click Delete Account
3. Confirm deletion

Warning: Account deletion is irreversible! All your data will be permanently deleted, including recurring payments and expenses, Wallet and reports.

1. Go to the Recurring income & expenses section
2. Fill in basic information:
   • Type: Income / Expense
   • Name: e.g., "Netflix", "Spotify", "Accident insurance", "Employment income"
   • Price: Amount of recurring payment
   • Category: e.g., "Entertainment", "Services"
3. Set payment frequency:
   • Weekly
   • Monthly
   • Quarterly
   • Semi-annual
   • Annual
4. Choose the first payment date
5. Optionally enable:
   • Notifications - Get reminder before due date
   • Auto-renewal - Automatically set payment for next period
6. Save

Payment is recorded in Wallet on the payment date.

Tip: You can also use notifications for income to check if the income was credited to your account.

When creating recurring expenses and income, you can set notifications:

• Choose days in advance (e.g., 3, 7, 14 days)
• Receive email notification before due date

Tip: Set notification at least 3 days in advance to have time to cancel the service if you no longer want it.

Auto-renewal ensures that payment is automatically set for the next due date:

• No need to manually enter recurring payments
• System automatically creates an expense entry in wallet
• Next payment date shifts according to frequency

Note: This does NOT pay the actual subscription! It only automatically records the payment in your Wallet for better overview.

Limits depend on account type:

Account Type	Payment Limit
Basic (free)	5 payments
Premium	100 payments

In the Recurring income & expenses section, you'll find a planned expenses chart:

• Basic account: Chart shows 3 months ahead
• Premium account: Chart shows 12 months ahead

The chart helps you plan future expenses and see which months will be more financially demanding.

Tip: Know about an upcoming expense in the next months? Enter it in the wallet with a future date and keep track of it when planning.

1. Go to the Wallet section
2. Select type:
   • Income
   • Expense
3. Fill in:
   • Name/Description: e.g., "Grocery shopping"
   • Amount: Income/expense amount
   • Category: e.g., "Groceries", "Housing"
   • Date: When the transaction occurred, or future date if you know about it in advance
4. Save

Categories help organize expenses and income:

• Basic categories: Groceries, Housing, Transportation, Entertainment, etc.
• You can filter entries by category
• Charts show expense breakdown by category
• Reports show most spent categories

Tip: Use categories consistently for better overview of your spending.

• Opening balance: Amount at the beginning of month (= closing balance of previous month)
• Closing balance: Opening balance + income - expenses for the month

The system automatically calculates these balances, so you always see your current financial status.

Tip: When first using the app, set the opening balance to your actual account balance. You can do this by adding any income.

Account Type	Entries/month	History	Multi-month view
Basic	30	3 months	No
Premium	300	Unlimited	Yes

In the wallet, you can filter by:

• Month: Select specific month
• Type: Income only, expenses only, or all
• Category: Show specific category only

Premium users can view multiple months at once for better overview.

Premium membership unlocks:

Feature	Basic	Premium
Number of subscriptions	5	100
Wallet entries/month	30	300
Wallet history	3 months	Unlimited
Planned expenses chart	3 months	12 months
Multi-month view	No	Yes
Advanced reports	Basic	Detailed

Current pricing can be found in the My memberships section or on the pricing page.

Available plans:

• Monthly - Payment every month
• Annual - Payment once a year (better value)

How to purchase Premium:

1. Go to the My memberships section
2. Select a plan
3. Click Select plan
4. Complete payment through payment gateway
5. Premium activates immediately after payment

• You can enable auto-renewal during the Premium purchase.
• The next payment is charged on the last day of the current membership.
• You can turn it off anytime in My memberships → Payments; turning it off stops future renewal attempts.
• Your current paid period stays active until it ends, even after you disable auto-renewal.

• You can renew Premium up to 3 months before expiration
• You'll receive a notification 7 days before expiration
• Renewal works the same as initial purchase
• New period starts after current period ends

Tip: Use annual plan for better pricing and less renewal hassle.

After Premium membership expires:

• Your account automatically reverts to basic version
• No data is deleted - all entries remain saved
• Basic limits apply (5 subscriptions, 30 entries/month)
• History older than 3 months will be hidden (not deleted)
• After renewing Premium, you'll regain access to all data

Refund terms can be found in our terms of service.

1. Go to the Reports section
2. Select the month you want to report
3. Report will display on screen
4. You can export it to PDF

Report includes: Total income, total expenses, difference, breakdown by category, charts and statistics, planned payments.

In the app you'll find:

• Income and expenses chart: Trends over time (bar chart)
• Expense breakdown by category: Pie chart
• Planned subscriptions chart: Future expenses (3-12 months ahead)
• Balance trend: Evolution of your finances over time

Yes, you can export:

• Monthly reports to PDF

Try these steps:

1. Check email and password - Make sure there are no typos
2. Verify your email is verified - Check your inbox
3. Try resetting password - Use "Forgot Password"
4. Clear browser cache and try again
5. Try different browser

If the problem persists, contact our support.

Check:

1. Are notifications enabled? - Check payment settings
2. Is email verified? - Notifications only sent to verified emails
3. Check SPAM - Notification might have ended there
4. Add our email to contacts - Improves deliverability

1. Wait a few minutes (activation can take up to 5 minutes)
2. Log out and log back in
3. Check payment status in Wallet section

If problem persists: Contact our support with payment number or bank transaction number.

Try:

• Clear browser cache
• Check internet connection
• Close other tabs and applications
• Try updating browser
• Use different browser (we recommend Chrome, Firefox, Safari)

Have a problem not listed here?

Contact us:

• Email: support@spendbuster.com

We usually respond within 48 hours (business days).

Getting started guide:

1. Set correct currency right after registration
2. Enter opening balance according to your actual balance
3. Add all recurring or permanent payments (Netflix, Spotify, insurance, etc.)
4. Enable notifications
5. Start recording expenses - at least the larger ones
6. After a month, generate your first report and check statistics

Recommended categories:

• Housing: Rent, mortgage, electricity, gas, water
• Groceries: Shopping at stores
• Restaurants: Eating out, delivery
• Transportation: Gas, public transport, taxi, car maintenance
• Health: Medicines, doctors, insurance
• Entertainment: Subscriptions, cinema, culture
• Clothing: Clothes, shoes
• Other: Everything that doesn't fit elsewhere

Tip: Use categories consistently for better comparison over time.

Best practices:

1. Review your bank statements for the last 3 months and find all recurring payments
2. Enter all subscriptions into SpendBuster
3. Set 7-day advance notifications for services you might want to cancel
4. Review subscription list monthly
5. Ask yourself: "Do I actually use this service? Is it worth it?"
6. Cancel unused services - often saves hundreds monthly

Tips: Average household pays for 10-15 monthly subscriptions. Up to 30% of them are unused!

Recommended frequencies:

• Daily: If you want most accurate overview (5 minutes daily)
• Weekly: Good compromise (15-20 minutes weekly)
• After major purchases: At minimum, record significant expenses

Tips for easier entry:

• Take photos of receipts with your phone as reminders
• Set daily/weekly reminders
• Enter expenses right after payment
• Use auto-renewal for recurring expenses

Monthly routine:

1. Generate monthly report at beginning of month for previous month
2. Review categories:
   • Where are you spending most?
   • Which categories are growing?
   • Where can you save?
3. Compare with previous month:
   • Are expenses rising or falling?
   • Why?
4. Set a goal for next month (e.g., "Reduce restaurant expenses by 20%")
5. Monitor planned expenses chart - prepare for more demanding months

Premium is worth it if:

• You have more than 5 subscriptions
• You want to record more than 30 transactions monthly
• You need history older than 3 months
• You want to plan expenses more than 3 months ahead
• You want advanced reports and analytics
• You use the app regularly

Tip: If SpendBuster helps you identify and cancel just 1-2 unused subscriptions, Premium pays for itself!

Proven strategies:

• 50/30/20 rule: 50% on needs, 30% on wants, 20% on savings
• Track "latte factor": Small daily expenses add up quickly
• Use annual subscription plans: Usually cheaper than monthly
• Share subscriptions: Netflix, Spotify etc. have family plans
• Negotiate: Providers often give discounts when you want to cancel
• Buy on sale: Track expense charts and plan larger purchases
• Automate savings: Set up automatic transfer to savings account