Spendly Documentation

Everything you need to know about using Spendly — from recording transactions to AI advisor commands.

Getting Started

Spendly is a smart personal finance tracker that lets you record income and expenses just by typing naturally — no forms, no categories to select upfront. It's designed for speed and simplicity.

Four modes

Chat

Type transactions in natural language — the AI does the rest.

App

Structured form input — pick type, amount, category, description.

Invoice

Create, brand, and export professional invoices as PDF.

Advisor

Chat with an AI financial advisor using slash commands.

Guest vs. Logged-in

Feature	Guest	Logged in
Record transactions	✅ (session only)	✅ (saved to DB)
Export PDF receipt	✅	✅
Dashboard & history	Session only	✅ Full history
AI Advisor commands	Limited	✅ With credits
Invoice builder	✅ Limited	✅ Full
Sync across devices	❌	✅

✅ Tip: Data recorded as a guest is saved in your browser session. Login to permanently sync it to your account.

Chat Mode

Chat mode is the fastest way to record transactions. Just type what you spent or earned in plain language — Spendly's Smart Parser reads the amount, category, and type automatically. If the parser is uncertain, AI takes over as a fallback to ensure accuracy.

How the Smart Parser works

Currency Detection

Detects explicit currency first — symbols ($, €, £, Rp) or codes (USD, EUR, IDR). If none found, uses your selected currency.

Amount Normalization

Parses the number using currency-aware rules. IDR shorthand (k, rb, jt) only applies when currency is IDR — not for USD, EUR, etc.

Type Classification

Determines income or expense using keyword matching and confidence scoring.

AI Fallback

If confidence is below threshold, AI parses the message automatically — no need to retype.

Examples — IDR (selected currency)

kopi 25k

Expense · Coffee · Rp 25,000

makan siang 35rb

Expense · Food · Rp 35,000

freelance income 2 juta

Income · Freelance · Rp 2,000,000

Grab to office 18.000

Expense · Transport · Rp 18,000

Examples — USD / EUR (selected currency)

coffee 4.50

Expense · Coffee · $4.50

buy groceries $32

Expense · Shopping · $32.00

salary 3500

Income · Salary · $3,500

rent 1200 USD

Expense · Bills · $1,200

Amount format rules by currency

Format	IDR	USD / EUR / Others
k / K	× 1,000 → 25k = 25,000	❌ Not applied
rb / ribu	× 1,000 → 35rb = 35,000	❌ Not applied
jt / juta	× 1,000,000 → 2jt = 2,000,000	❌ Not applied
thousand	× 1,000	× 1,000
million	× 1,000,000	× 1,000,000
billion	× 1,000,000,000	× 1,000,000,000
Plain number	As-is → 18000 = 18,000	As-is → 18000 = 18,000
$32 / €15 / £20	Overrides to USD/EUR/GBP	Overrides to detected currency

✅ Tip: The currency selector in the header sets the default for all transactions. Typing an explicit symbol like $32 or €15 always overrides the default for that specific transaction.

Supported categories

🍔 Food☕ Coffee🚗 Transport🛍️ Shopping🎬 Entertainment💊 Health📚 Education📄 Bills💰 Salary💻 Freelance📈 Investment🎁 Gift🅿️ Parking📌 Other

Channels & Consistency

Spendly uses a single Smart Parser shared across all input channels — Web App, Telegram, and future channels like WhatsApp or Slack. This means the same message produces the exact same result regardless of where you type it.

How channels stay in sync

🌐

Web App

Real-time parsing with instant feedback. Currency follows your header selection.

💬

Telegram (coming soon)

Send a message to your Spendly bot — the same parser processes it and saves directly to your account.

📱

WhatsApp / Slack (roadmap)

Future channels use the same parsing pipeline — no inconsistency between channels.

Currency across channels

Your default currency is tied to your account. Every channel reads the same setting, so "25k" from Telegram is always the same as "25k" typed in the Web App — both produce 25,000 in your account's currency.

✅ Tip: Explicit currency overrides (e.g. $32 or €15) are always respected, even in Telegram, regardless of your default currency setting.

App Mode

App mode gives you a structured form for entering transactions. Ideal when you want precise control over category, type, and amount.

Fields

Field	Options	Notes
Type	Expense / Income	Toggle to switch
Amount	Number	Supports decimals
Category	14 categories	Auto-filtered by type
Description	Free text	e.g. 'Starbucks Sudirman'

Income categories

💰 Salary💻 Freelance📈 Investment🎁 Gift📌 Other

Expense categories

🍔 Food☕ Coffee🚗 Transport🛍️ Shopping🎬 Entertainment💊 Health📚 Education📄 Bills🅿️ Parking📌 Other

ℹ️ Note: App mode shows today's transactions below the form. For full history go to Dashboard.

Personal Apps

The Apps tab (grid icon) hosts built-in personal growth tools that complement your financial tracking. Each app syncs to your account when logged in.

🗒️

Notes

Quick capture of financial ideas, reminders, or spending insights. Synced to cloud for logged-in users.

🎯

Habit Tracker

Build consistent financial habits. Track streaks, view weekly completion charts, and log daily progress.

📖

Journal

Reflect on financial decisions with mood-tagged entries. Great for monthly reviews and retrospectives.

⏱️

Pomodoro

25/5 focus sessions for financial rituals — log expenses, review budgets, or write journal entries with structured focus.

✅ Tip: Apps data (habits, notes, journal) is stored per user. Pomodoro sessions connect with Habit Tracker to measure consistency when logged in.

Commands

Commands are typed directly in the Chat or Advisor input. They start with / and return instant summaries or AI analysis.

Free commands — no credits needed

Command	What it does
/help	Show all available commands
/today	Expenses, income & net for today
/week	This week's financial overview
/month	This month's financial overview
/myprofit	Full profit snapshot (revenue, expenses, outstanding invoices)
/myplan	Check progress against your My Plan targets

✅ Tip: These commands compute data locally — they're instant and don't use any credits.

AI Advisor commands — uses credits

Command	Credits	What it does
/advisor	1	Quick AI financial insights from this month's data
/advisor revenue	1	Invoice revenue breakdown (paid, outstanding, overdue)
/advisor invoices	1	Invoice performance stats — paid rate, avg value
/advisor cashflow	1	Cashflow projection including receivables
/advisor profit	1	Profit snapshot with top expense category
/advisor plan	1	AI review of your My Plan progress
/advisor target	1	Likelihood of hitting your targets by month end

Advanced commands — Workspace+ only

Command	Credits	What it does
/advisor saving	2	3 specific saving opportunities from your spending data
/advisor trend	2	Spending & revenue trend analysis
/advisor forecast	3	End-of-month forecast based on current pace
/advisor anomaly	2	Detect unusual or out-of-pattern spending
/advisor compare	1	This week vs last week comparison
/advisor overdue	1	List overdue invoices needing follow-up
/advisor clients	2	Client payment behavior & top payers analysis
/advisor risk	3	Cashflow risk detection & warnings

🔒 Pro Feature: Advanced commands require a Workspace+ plan. View Plans →

AI Advisor

The AI Advisor tab gives you a dedicated chat interface for financial analysis. Switch to the Advisor tab in the navigation to access it.

How it works

Switch to the Advisor tab (brain icon).
Type a slash command like /advisor or /month.
The advisor analyzes your transactions and invoices, then responds with actionable insights.
Credit-based commands deduct from your balance automatically.

What the Advisor sees

✓ All your recorded transactions

✓ Invoice status & amounts

✓ Category breakdown

✓ Your My Plan targets

✓ Paid vs outstanding receivables

✓ Historical spending patterns

Guest access

Guests can use basic commands like /today, /month, and /advisor. Advanced commands require login. You get 5 free credits per month when you create an account.

✅ Tip: Start with /help to see all available commands at any time.

Invoice (Inv)

The Invoice builder lets you create, customize, and export professional invoices as PDF. Switch to the Inv tab to access it.

Invoice fields

Field	Description
Invoice Number	Auto-incremented (INV-001, INV-002…) — editable
Client Name	Recipient name or company
Client Email	Optional — for reference
Client Address	Optional — shown on PDF
Issue Date	Date the invoice was created
Due Date	Payment deadline
Line Items	Description, Qty, Unit Price — add as many as needed
Tax %	Optional tax rate applied to subtotal
Notes	Payment instructions, bank details, or custom message
Currency	IDR, USD, SGD, EUR, MYR, GBP
Status	Draft → Sent → Viewed → Paid / Overdue / Cancelled

Branding

Option	Description
Logo	Upload your company/personal logo — saved automatically
Accent color	Choose from presets or enter a custom hex color
Sender name	Your name or company name on the invoice
Sender email	Contact email shown on PDF
Sender address	Your address on the invoice

Invoice statuses

DraftSentViewedPaidOverdueCancelled

AI Invoice Assistant Workspace+

Feature	Credits	What it does
Generate Description	1	AI writes item descriptions based on your input
Follow-up Message	1	Generates a professional payment follow-up email
Invoice Rewrite	2	Rewrites and polishes invoice content

✅ Tip: Branding settings (logo, color, sender info) are saved locally and reused across all your invoices automatically.

Addons

Addons extend Spendly with AI-powered features. Visit /addons to see all available addons and buy credits.

🧠

AI Advisor

Workspace+

Generate financial insights from transactions, invoices, cashflow & workspace activity.

Action	Credits
Basic Advisor (/advisor)	1
Forecast (/advisor forecast)	3
Trend Analysis (/advisor trend)	2
Risk Analysis (/advisor risk)	3
Saving Tips (/advisor saving)	2
Anomaly Detection (/advisor anomaly)	2
Client Analysis (/advisor clients)	2
Compare weeks (/advisor compare)	1

📷

Receipt & Invoice OCR

Workspace

Upload receipts or invoices — AI extracts structured financial data automatically.

Cost: 5 credits per scan

Extracts: Merchant, Amount, Date, Category, Invoice info

Supported formats: Receipt photos, invoice PDFs, scanned bills

📄

Smart Invoice Assistant

Workspace+

AI-powered invoice helper — generate descriptions, follow-up messages, and rewrites.

Feature	Credits	Description
Generate Description	1	Writes professional item descriptions
Follow-up Message	1	Creates payment follow-up email draft
Invoice Rewrite	2	Polishes and rewrites invoice content

Credits & Plans

Credits are the currency used for AI-powered features (Advisor, OCR, Invoice Assistant). Every logged-in user gets free monthly credits.

Free monthly credits

Every registered user receives 5 free credits per month, automatically reset on the 1st of each month. This covers basic /advisor queries.

Credit packages

Package	Credits	Price (IDR)	Price (USD)
Starter	100	Rp 15.000	$1
Growth	500	Rp 60.000	$4
Business	2,000	Rp 200.000	$13

Plans

Plan	Buy Credits	Addons Available
Free	❌	Basic /advisor (with free monthly credits)
Workspace	✅	OCR, Invoice Builder
Workspace+	✅	AI Advisor (all commands), OCR, Smart Invoice Assistant

Credit costs reference

Action	Credits
Basic Advisor	1
Advisor Revenue / Invoices / Cashflow / Profit / Plan / Target	1
Advisor Compare / Overdue / Workspace	1
Advisor Saving / Trend / Anomaly / Clients	2
Advisor Forecast / Risk	3
OCR Scan	5
Invoice Generate Description / Follow-up	1
Invoice Rewrite	2

ℹ️ Note: Your credit balance and full transaction history are visible in the Dashboard → Credits tab.

⚠️

Pricing Notice

Credit prices, package sizes, and plan features are subject to change at any time, with or without prior notice.

We recommend checking the Addons page for the latest pricing before purchasing. Purchased credits are non-refundable once consumed.

Buy Credits →View Plans →