TT TandemTabEN · BG

TandemTab — the guide

TandemTab is a shared budget for couples and households. Everyone in the account sees the same numbers, and every expense syncs to the others the moment it's saved. It works just as well on your own.

This guide is short on purpose: one section per thing you can do. If you'd rather not read it, ask the assistant (Pro) — "how does the runway work?" — and it will answer.

1. Getting started

Create your account, accept the terms, and you get a first budget account with a few starter categories (Food, Bills, Transport, Other) and the current month already open.
Add your wallets — where your money actually is: a bank account, cash, a savings account. Give each one the balance it holds today.
Add this month's income, so the app knows what you have to work with.
Set a budget for the categories you want to keep an eye on.
Log your first expense.

The Getting started card on Home ticks these off as you go, and disappears when you're done.

2. Home — am I OK this month?

Safe to spend is the big figure: money you can still spend this period without touching what you've set aside for savings. Next to it, a day spreads what's left of this month's plan over the days left.
Saved · Spent · Income — this period's three totals. Carried over is money brought forward from earlier months.
Needs attention lists what wants you: a budget running over, a bill due, a goal falling behind.
Where your money went — this period by category. Tap through to the full breakdown.
Health score (0–100) sums up how this month is going, with the reasons behind it.
Runway — how long your money would last at your recent rate of spending. It's a pace, not a promise.
Your week in money — a short recap every Monday; afterwards it waits in the bell.
Milestones — goals reached, debts cleared, saving streaks.

3. Logging money

Add an expense with the ＋ button: amount, category, wallet, and optionally the date and time, a note, a label and a trip. You can stage several and save them together. Pick a past date if you're catching up.

Add income from the same ＋ (the Income tab): amount, source (salary, a gift…) and the wallet it went into.

Faster ways in:

Type it — press Ctrl+K on the web and write 12 eur lunch or 40 petrol.
Ask the assistant — "add 20 to groceries".

Changing your mind: tap any row to edit it. Removing always asks first. On an expense you can also record money that came back (a refund, or a friend paying their share) and settle part of it onto another account.

4. Budgets, categories and labels

Categories are what money is for (Food, Bills…). Add, rename or re-icon them under Manage.
Budgets cap a category for the month. You'll see how much is left, and a warning before you run over.
Labels (tags) cut across categories — "Weekly shop", "Reimbursable", "Kids". A label can file itself into a category, so tagging does the sorting for you.
Breakdown and Trends show where money went over 3 months, 6, 12 or all time, by category, label or wallet.
Search finds any expense across every month.

5. Wallets — where the money is

Each wallet holds a balance: bank, cash, savings, a card.
Transfer moves money between your own wallets (taking cash out, topping up savings).
Send to another account moves money to a different TandemTab account you belong to — it lands there as income.
Foreign cash: give a wallet a currency and the rate you bought it at; spend in that currency and it's converted for you.
Archive a wallet you no longer use; its history stays.

Bringing in your bank's transactions:

Import a statement — upload your bank's CSV or statement file, review the rows, import.
Connect your bank (where available) — new transactions arrive for review. Confirm each as an expense, income or transfer, or dismiss it. Always file this merchant here teaches it a rule. A transaction dated in an earlier month is filed into that month.

6. Goals — saving up and paying off

Savings goal: a target and, if you like, a date. TandemTab shows the month you'll reach it at your current pace, and what to set aside each month to get there sooner.
Planned costs: list what the goal is for (flights, a deposit), each with its own date.
Round-ups: round every expense up to the nearest 1 or 5 and put the difference into a goal (turn it on in Edit account).
Debts: add a loan with its balance, rate and installment. Log each payment — the interest and principal are split for you — and the payoff planner shows the month you'll be debt-free and what paying extra saves.
Spend or move saved money when the time comes; it becomes a normal, categorised expense.
Give any goal a picture — upload one or pick a photo.

7. Bills that repeat

Add rent, subscriptions and other regular bills once under Recurring, with the day they're due. Each month they come due on that day: confirm them, let them post automatically, or skip a month. A posted bill can be reverted if it was wrong.

8. Trips

Plan a trip with its dates and a budget, and every expense you log while away is filed to it — flights bought months earlier can be attached too. When you're back, the trip recap shows what it really cost. Trip Mode keeps logging working with no signal: expenses wait on your phone and post once you're back online.

9. The end of the month

When a month ends, TandemTab asks you to start the next one:

Enter what each wallet really holds now — these become the new month's opening balances.
Choose whether to copy this month's budgets, and whether to nudge each one toward what you actually spent.
If a wallet doesn't match what was logged, it says so. A bank-connected wallet is checked against the bank too, and any bank transactions still waiting for review are listed first. You can log the difference as an adjustment, ignore it, or go back and add what's missing.

A finished month is closed for money, but you can still record a refund on it, and change an expense's category or label. The newest month can be removed if it was started by mistake (it asks first).

10. Sharing your budget

Invite a partner (or anyone you share costs with) by username: tap the account's name at the top, then Invite (it's on the Getting started card too). Everyone sees the same account, changes appear for all of you instantly, and each row shows who logged it. You can belong to several accounts — a household one and a personal one, say — and switch between them at the top.

11. The assistant

Ask about your money in plain words: "how much did I spend on food last month?", "which budgets are over?", "take me to my goals", "add 20 to groceries".

Most questions are answered on your device — nothing is sent.
Richer answers is a separate opt-in. With it on, a question it can't answer on the device is sent as you typed it, with a summary of this account, to Anthropic's Claude, which writes the reply. You can turn it off at any time.
There's a monthly limit on questions that go to the model.

12. Privacy, security and settings

Hide figures in public: Ctrl/⌘ + Shift + H blurs every amount until you show them again.
Two-factor sign-in from your profile.
Export your data to Excel.
Language: English or Bulgarian. Theme: light or dark.
Install it like an app: in your browser, Add to Home Screen / Install.
Delete your account from your profile. It's archived for 30 days — sign back in to cancel — and then deleted.

13. Phones

Android: the TandemTab app, signed in to the same account.
iPhone: coming soon. Until then, the web app installs to your home screen.

Buying Pro happens on the web; the phones sign in to your plan.

14. Free and Pro

	Free	Pro
Budgets, categories and labels	✓	✓
Savings goals	✓	✓
Export to Excel	✓	✓
Two-factor security	✓	✓
Share with your household		✓
Statement imports		✓
Debt payoff planner		✓
Trends and advanced insights		✓
Full history (6 months, 12 months, all time)		✓
More than one account of your own		✓
Trips — planning and the full travel history		✓
The assistant		✓

On Free you can still open, start and finish a trip you already have. Current prices and the free trial are on the plans page.