Docs

1.1 Start page

In the overview there is an evaluation of expenses, income and the resulting available funds. Available funds describe the percentage of the credit balance of total income and serve as a key figure for your personal finances. Assume that the value in the current evaluation period is 2% higher than in the last. This would mean that you have reached 2% savings potential. Keep it up! Available funds are calculated as follows:

Balance (positive total balance) / total income × 100

In the upper area of the overview there is an overall evaluation that relates to all accounts. This includes account-related evaluations. Each evaluation can be shown and hidden with a click on the associated heading. A long click on a heading or a single click on a category will display the associated transactions. In addition, the expenditure and income of an evaluation period are summarized in the overview and displayed according to categories.

1.2 Filter

You can filter the overview as follows:

The "Carryover" filter determines whether or not previous transactions should be carried over into the next periods.

You can use the "Carryover (budget)" filter to carry over previous budgets into the next periods.

With the filter "Until today" you determine whether your transactions should be booked until today or in the future.

1.3 Evaluation periods

The overview always shows exactly one evaluation period. Under Settings → Evaluation → Overview you decide whether this period is a day, a month or a year. Month is preset.

The arrows to the left and right of the period name switch to the previous or the next period. An arrow becomes inactive as soon as you reach the oldest or the newest period, and both are hidden as long as there is no transaction at all. In that case the overview shows "No transactions" instead of a period.

The options menu in the top right corner also lists every period, so you can jump straight to an older one instead of stepping through them.

1.4 Evaluations and charts

Tapping a heading shows and hides the evaluation below it, and the app remembers this for your next visit. The amount next to a heading is the result of the period, plus the start balance of the account when "Carryover" is switched on.

An expanded evaluation begins with a circular chart. As long as no category has a budget, it shows your available funds. As soon as one category has a budget, the remaining budget appears instead, together with a daily budget which divides the remaining budget by the days left in the month. A click on the daily budget reads out how much you can still spend.

Below that follow the expenses and the income of the period as pie charts, each with the categories involved. Two further pie charts summarize all expenses and all income up to the selected period, with the start balance shown underneath.

A click on a category opens its transactions, filtered by account, category, type and period. In the two summarizing charts the period is left out, so you see the entire history of that category. If you work with budgets, a category also shows its remaining budget, which is marked in color once less than a fifth of it is left.

Transfers between your own accounts are excluded from the category charts of the overall evaluation, so they cannot distort your expenses by category. Accounts without any activity in the period only appear when "Show empty accounts" is switched on in the settings.

1.5 Actions on the start page

The plus button creates a new transaction. On the desktop the transaction form opens directly. On a phone or tablet the amount pad opens first, where you enter the amount and then choose whether it becomes an expense, an income, a transferal or a recurring payment. With the option "Transaction at app launch" the app opens this amount pad right after starting.

On the desktop the microphone in the footer starts and stops voice input. On a phone there is no microphone button: a long press on the plus button starts voice input, and while the app is listening the plus button becomes the stop button. A help button next to it explains what you can say. Which parts of a sentence become amount, category, account and note, and when Simone AI answers instead, is described in the chapter Voice control.

The info button speaks a short tip built on your device from the current and previous month’s reports. It can compare expenses or income with last month, warn about a category budget that is nearly used up, mention the balance expected at the end of the month including recurring payments already scheduled, or name your largest expense categories. Simone AI is not involved. Spending advice from the assistant stays in the Simone chat.

If you use cloud synchronization, pull the overview down on a phone or tablet to check your cloud storage for a newer version of your data.

2.1 Start page

Under Transactions you manage your individual income and expense bookings. Each list row shows date, category, account, note and amount. Rows linked to a recurring payment or transferal, or that have a receipt or grocery list, are marked with the matching symbols. Tap a row to open and edit it. Swipe a row for Copy and Delete.

A long press starts multi-select. The bar under the header then shows count, sum and average of the selection. Done clears it. The list loads in pages and continues as you scroll. On a phone or tablet, pull down to refresh from the cloud once synchronization is connected.

2.2 Create and edit transactions

When creating or editing a transaction you set type (Income or Expenses), date, amount, category, account and note. You can attach a receipt or a grocery list. With the currency converter enabled, an amount can be entered in a foreign currency and is converted into your standard currency with the current rates.

Defaults come from Settings (default account and default category). Amount 0 cannot be saved unless the row belongs to a recurring payment. With Taxation on, a VAT rate can be set while creating. Simone can open the form with amount, type, account, category, date and note already filled. Nothing is saved until you confirm.

2.3 Delete transactions

Swipe a row to the left and tap Delete, or delete while multi-selecting. There is no further confirmation dialog — the transaction is removed at once. Deleting a taxed parent also removes its linked tax booking.

2.4 Copy transactions

Swipe a row and tap Copy to save a duplicate immediately with today’s date. Links to receipt, grocery list, recurring payment, transferal and tax split are not kept. Alternatively open a transaction, turn on New transaction, and save.

2.5 Filter and sort

The more menu shows a summary (count, sum and average) for the current filters. Until today limits the list to dates up to today and is independent from the Overview’s Until today. Only recurring payments shows rows that belong to a recurring series.

You can also filter by Type, Account, Category, Months and Note. Sort by Date, Category, Account or Amount. Tap the active sort key to switch between ascending and descending. Date newest first is the default.

2.6 Search

On the Transactions list, Search can match category, account, note and amount, and also notes on a linked recurring payment or transferal. Receipt full-text search lives on the Receipts list. Cancel clears the search. Search is hidden when Transactions was opened as a filtered list from the Overview.

2.7 From the Overview

From the Overview, a long press on an account heading or a tap on a category in a chart opens Transactions already filtered. The back button returns to the Overview. Search and the more menu are hidden in that mode.

3.1 Start page

Each list row shows the category, the account (or from and to account for a transferal), the next booking date or Expired, the note and the amount. Tap a row to edit it. Swipe a row to delete it. Pull down on a phone or tablet to refresh from the cloud when sync is connected.

The Restore button deletes all future bookings of every running series and writes them again from the current settings. Use it when foresight no longer matches the series after you changed generated transactions by hand. The more menu shows the number of series and sorts by Start, End, Booking, Category, Account or Amount.

3.2 Create and edit recurring payments

Type cycles through Expenses, Income and Transferal. For a transferal the form shows From account and To account, hides the category and uses the system category Transferals. Other fields are Start, End (or No end), Interval (a number plus Days, Weeks, Months or Years), Amount, Note and an optional Receipt. Pause appears only when you edit an existing series and stops new bookings without deleting it.

Saving is refused when the amount is 0, and for a transferal when source and target account are the same. With Taxation on, VAT can be set while creating. Simone can open this form with amount, accounts or category, start date, interval and note already filled. Nothing is saved until you confirm.

3.3 How bookings are generated

Whenever the list is loaded, the app tops up missing bookings of all running series. Paused and expired series generate nothing. Per series it continues from the last booking already written until it passes the Preview horizon under Settings → Evaluation → Preview — today plus that span, rounded up to the end of that month. Defaults are 2 months on Basic and 3 months on a Pro edition.

With an End date the series stops there instead. Once no next booking is left, it is flagged Expired. Transferal series write transferals (two transactions each). Shortening Preview deletes bookings beyond the new horizon. Lengthening it fills the gap the next time the list is loaded. Future bookings also appear in the Overview — switch Until today on there to exclude them.

3.4 Editing an existing series

Changing only the amount splits the series: bookings already written keep the old amount, and a new series continues from the next booking date at the new amount. Any other change keeps the series and rebuilds bookings from today onwards, so history is never rewritten. Pause also clears today's and future bookings.

3.5 Delete a recurring payment

Deleting asks whether related transactions should be deleted as well, but only when the series has written some. Yes removes every transaction and transferal of the series, history included. No keeps everything dated before today and removes today's and later bookings.

3.6 From a CSV import

A CSV import can propose recurring payments for repeating bookings. Details are in the CSV section under Settings.

4.1 Start page

Transferals can be managed in this area. Transferals can be created, changed, deleted and sorted. A list item contains all the properties of a transferal posting: creation date, category, source account, target account, note and amount. By pressing on a list item, a transferal can be opened and edited.

4.2 Create and edit transferals

When creating or editing a transferal, you can define properties such as amount, date, source account, target account and note.

4.3 Delete a transferal

When deleting a transferal, a dialog box is displayed in which you want to confirm whether all related transactions should also be deleted. Confirm with Yes to delete the transactions as well. Confirm with No to keep the transactions.

4.4 Copy transferals

Open a transferal and activate the "New transferal" button. After confirming, the transferal is saved as a new transferal.

5.1 Start page

Categories and accounts can be managed in these areas. Accounts and categories are presented in the form of a list, with each list item containing properties such as name, color and, in the case of an account, a starting balance. By pressing on a list item, a category or an account can be opened and edited.

5.2 Create and edit categories and accounts

When creating or editing a category or account, a name and a color can be defined, with the color being proposed automatically. An account can also have a starting balance defined.

5.3 Delete a category or an account

When deleting a category or account, a dialog box will appear to confirm that all related transactions should also be deleted. Confirm with Yes to delete the transactions as well. Confirm with No to keep the transactions.

5.4 Budgeting

When budgeting, you can set a budget for each category that you do not want to exceed during a period. Budgets are displayed in the overview and offset against current category-related expenses. You can also carry over budgets into the following periods by activating the "Carryover (budget)" option in the overview.

6.1 Start page

Here you can manage your receipts. Receipts are presented as a list, with each list item containing a name and a date. A receipt can be imported as an image or PDF file. A receipt can also be photographed if your device has a camera. By pressing on a list element a receipt can be opened and edited. When receipts exist, Search opens a full-text search over the list.

6.2 Create and edit receipts

When creating or editing a receipt, name and date can be set as properties. A receipt can be imported, exported, photographed and also printed in the Mac and Windows version. In Simone AI you can also photograph or upload a receipt in the chat. The assistant then prepares the receipt and a matching transaction for you to confirm.

6.3 Import photos and invoices

When importing a photo or PDF invoice, the program tries to read the invoice amount and invoice date automatically. Photos and scanned PDFs are read with on-device OCR. Digital PDFs use their embedded text. The extracted text is stored for full-text search and can propose matching categories. When data is recognized, a toggle allows creating a linked transaction directly upon saving. The data read out can also be used as transaction date and transaction amount when creating a transaction after selecting a receipt.

6.4 Search

On the Receipts list, Search matches the receipt name, note, extracted amount and the full text read from the file. Photos and scanned PDFs are read with on-device OCR. Digital PDFs use their embedded text. Cancel clears the search.

7.1 Start page

Savings targets can be managed in this area. Savings targets can be created, changed, deleted and sorted. A list item contains all the properties of a savings target:

Furthermore, a savings target is identified by the following colors:

Less than 33% of the target amount has been reached.

More than 33% of the target amount has been reached.

More than 66% of the target amount has been reached.

Savings target has been reached.

7.2 Create and edit savings targets

When creating or editing a savings target, properties such as name, amount and end date can be specified. If an end is set, a monthly rate is calculated that is required to reach the savings target by the end date. Immediately after the creation of a savings target, a savings target account is created, to which amounts can be transferred for saving.

8.1 Start page

Grocery lists can be managed in this area. Grocery lists are presented as a list, with each list item containing a name, a date, and a number of entries. By pressing on a list item, a grocery list can be opened and edited.

8.2 Create and edit grocery lists

When creating or editing a grocery list, name and date can be set as properties. The content of a grocery list can be entered either manually or by voice.

9.1 Expenses

In this area an evaluation of your expenses takes place. There is a distribution of expenses by account and a distribution of expenses by category, which is presented in the form of a pie chart.

9.2 Income

In this area an evaluation of your income takes place. There is a distribution of income by account and a distribution of income by category, which is presented in the form of a pie chart.

9.3 Trend

In this area an evaluation of your income and expenses takes place as a history diagram. The development is presented as a monthly and annual history in the form of a bar and line chart.

10.1 General

Language, currency, mode and app color are set here. The currency determines the main currency in which all amounts are displayed, and the mode switches between day and night design, whereby the automatic setting follows sunrise and sunset. In addition, the areas currency converter, grocery lists and savings targets can be shown or hidden, so that the app only contains the functions you actually use.

10.2 Taxes

If taxation is activated, an editable tax rate can be specified, which is preset according to your country. A transaction is then split into a net amount and a tax amount, which is booked to a separate category.

10.3 Evaluation

Here you determine how the overview is grouped, by day, month or year. The preview also defines how far into the future recurring payments are taken into account. Accounts without a balance can be shown or hidden in the overview.

10.4 Easier usage

A default account and a default category can be selected, which are preset for every new transaction. On mobile devices there are also a simplified amount input, a footer for faster navigation and haptic feedback. On request, the app opens directly with a new transaction at launch.

10.5 Security

The app can be protected with a four-digit PIN and, if the device supports it, with biometric authentication. As soon as synchronization is set up, the database and, separately from it, the stored receipts can also be encrypted.

10.6 Voice control

Voice output reads results aloud. Voice input lets you dictate transactions and commands. How dictation fills amount, category, account and note — and when Simone takes over — is explained in the Voice control chapter. Autosave and the list of voice commands live in this settings section.

10.7 Data

This area contains all data actions: backup and restore, synchronization with a cloud storage, as well as import and export of transactions as a CSV file. In addition, all transactions can be reset or the entire database deleted. How CSV import and export work in detail is explained in the following section.

10.8 Simone AI

Here you can allow Simone AI access to aggregated income and expense totals. Individual transactions, notes, recipients and receipt files are never sent with that permission. If you attach a receipt in the Simone chat, only fields extracted on your device are sent with that question. See the chapter Simone AI for how the assistant works.

10.9 CSV

CSV import and export are free and stay entirely on your device. No bank file is uploaded. Both actions live under Settings → Data.

Export transactions (csv) lets you choose one account or All. The file uses the columns Type, Account, Category, Date, Note and Amount — the same headers the native import path expects — and stays on the device.

Import transactions (csv) asks you to pick a file. If the delimiter cannot be detected, the app asks for it. Encoding is normalized automatically, including common Latin-1 bank exports.

If the header matches a SayMoney export exactly — Type, Account, Category, Date, Note, Amount — the import runs at once. Each row keeps its own account, and missing accounts or categories are created. That is the path for multi-account files.

Any other file opens the Import screen. You choose one Target account for every row, then map the columns Date, Amount, Note, Category and optionally Type. Category and Type stay unmapped unless a header name matches, so a bank booking-text column is not turned into dozens of junk categories. When Type is mapped, you also enter the Income marker used in that column.

Without a mapped category, SayMoney guesses from similar notes in your existing transactions. Words that appear in almost every note count for little, so the match stays language-agnostic without a stopword list. If no guess is confident enough, your default category is used. Amounts stay signed: negative is an expense. Only when Type is mapped and the income marker is filled does that marker decide the direction.

After mapping, the app may open Recurring entries and propose recurring payments for bookings that repeat with the same amount and a similar note. Proposals need at least three occurrences whose gaps match weekly, every two weeks, monthly, quarterly, half-yearly or yearly. Daily is not offered. You select which proposals to create. The recurring payment gets a short label distilled from the booking text, while the imported transactions keep the full note. Series that clearly ended are dropped, and the start date is moved past today.

Confirming writes the new payments and any selected recurring payments into your existing data. Nothing already stored is deleted.

11.1 How free-form dictation works

On the Overview screen, speak naturally — for example “I spent 20 for beer” or “Expenses Cash Food 42”. SayMoney first tries to understand the utterance on your device.

The app looks for an amount, a category name, an account name and whether it is income or an expense. If at least one of amount, category or account can be derived, it opens the new transaction form with those fields filled in.

Words that are not used for amount, account or category — such as what you bought — are written into the note field. Currency words and common filler phrases are filtered out.

11.2 Notes and categories

If you name a category that already exists, it is selected. Otherwise SayMoney can suggest a category from similar notes in your past transactions. When no confident match is found, your default category stays selected and autosave stays off, so you can adjust the form before saving.

Autosave only runs when both an amount and a category were recognized or confidently guessed, and when autosave is enabled in the settings.

11.3 When Simone takes over

If the spoken text cannot be turned into an amount, a category or an account, and the Simone AI add-on is active and online, the Overview microphone sends the text to Simone instead of opening an empty form. Simone’s answer is read aloud when voice output is on.

Inside the Simone chat, the microphone always sends your words as a question to Simone. When Simone proposes a booking with a note, that note is carried into the transaction form when you confirm the action.

11.4 Voice commands

You can also say a command such as “New expense”, “New income”, “New category”, “New grocery list” or “New transferal”. These open the matching form and may start a short guided dialogue for account, category, amount and an optional note.

11.5 Where to start

Overview: long press on the floating plus button on mobile, footer microphone on desktop. Simone AI: microphone next to the send button. Grocery lists: long press on the floating plus button on mobile, footer microphone on desktop, while editing. Internet is required for recognition. Voice output on desktop and iOS also needs the network.

12.1 Overview

Simone AI is an assistant built into SayMoney that answers questions about the app and your finances. She explains features, suggests bookings, and can prepare forms — but nothing is saved until you confirm it yourself.

12.2 Chat

Open Simone AI from the menu. Type a question or dictate it when voice input is enabled. On mobile, photograph or upload buttons sit above the microphone and send buttons so the text field stays wide. On desktop the upload button is in that same upper row. The answer appears in the chat and can also be read aloud when voice output is enabled. If Overview voice input cannot derive an amount, a category or an account, SayMoney can forward the text to Simone AI instead.

12.3 Suggested actions

When Simone proposes one or more actions, a single Continue button appears below the answer. Tap it to open the prepared forms in order, review each one, and save as usual. Simone never changes your data without your confirmation.

12.4 Financial data and add-on

By default Simone receives your question and the app language only. For spending advice she may ask for permission. You can also enable access under Settings → Simone AI. Only aggregated totals are sent — balance, income and expenses of the current and previous month, and sums of your largest expense categories. Individual transactions, notes, recipients and receipt files are never shared. If you attach a receipt in the chat, only fields extracted on your device (such as amount, date and a short text snippet) are sent with that question. The image or PDF stays on the device. You can revoke financial access at any time. More details are in the privacy policy. Simone AI is a separate add-on and not included in SayMoney Pro. You can try it free for three days with up to 10 questions per day. See the FAQ for pricing.

12.5 Receipts in chat

In the Simone chat you can photograph a receipt (mobile) or upload an image or PDF. SayMoney reads amount and date from photos and PDFs on the device and asks Simone to prepare a receipt and a transaction. Confirm with Continue: the file is attached when you save the receipt form, then linked to the transaction.