Money & expenses

Yuki’s Money tab is where your spending, subscriptions, debts and savings goals live. It opens on this month’s spending, against your budget if you set one, with your subscriptions, what you owe and your goals a tap away. Money is a tab on your phone and in the web sidebar.

What does the Money tab show?

Money shows this month’s spending, your subscriptions, liabilities such as a loan or a card balance, and what you are saving for.

• Spending — this month so far, the trend, your top categories and recent transactions.
• Subscriptions — every recurring charge with its price and next renewal, and a monthly total.
• Liabilities — a loan or a card balance, tracked apart from day-to-day spending so debt doesn’t get lost in a transaction list.
• Goals — something you’re saving for, alone or with a group. Free includes 1 goal; Pro, including the Pro trial, has unlimited goals. See Financial goals.

On the web these are sections along the top: Overview, Goals, Investments, Liabilities, Insights and Transactions.

How do I set a budget?

1. 1Open Money and tap Set a budget.
2. 2Enter a daily and/or monthly limit, and limits by category if you like.
3. 3Yuki shows how much of it you’ve used this month. Subscriptions are left out of the budget, because they are already committed.

How do expenses get into Yuki?

Expenses get into Yuki from a scanned receipt, an imported bank statement (Pro), an entry you type, or a quick line to Yuki. On Pro, they also arrive by themselves from the receipts and bills in Gmail.

• Scan a receipt — snap a photo; Yuki reads the merchant, total and date.
• Import a statement — a PDF or CSV from your bank; review the rows, then add them in bulk (Pro).
• Enter manually — merchant, amount and category.
• Quick add with AI — on your phone, type “lunch €12 yesterday” and Yuki fills it in. On the web, Add transaction opens the form, and Import offers Scan a receipt, Import a statement or Add one by hand.

Auto‑scan from Gmail

Connect Gmail and Yuki finds subscription renewals, bills and purchase receipts in your inbox and adds them for you, so your spending stays up to date without typing (Pro).

Does Yuki need my bank login?

No. Yuki tracks spending from the receipt, bill and order emails in Gmail, and from receipts you scan or statements you import, so it never asks for your bank login. Live bank connections are an Agent feature, coming soon for new customers.

Can Yuki handle other currencies?

Yes. Yuki reads the amount and the currency from each receipt or confirmation, so a purchase made abroad shows up as it was charged.

Where do I see who owes whom?

Shared expenses, in Money on the web and on your phone, brings together everything you split: group balances, trip expenses, and money people owe you outside a group. It says when you’re all square with everyone. It has three parts:

• By person — one row for each person across your groups, trips and money owed, saying whether they owe you or you owe them. Different currencies are listed side by side, never added together.
• Groups and trips — every group and trip with expenses and your balance in it. Each one opens that group’s or trip’s Expenses tab, where you add expenses and settle up.
• Money owed — money people owe you outside a group, such as a taxi you paid for. Add money someone owes you with their name, the amount, the currency and what it was for.

Your share of a shared expense counts in your spending, but what others owe you, or you owe them, never counts in your budget, net worth, liabilities or goals.

How do I settle up?

In a group or trip, Settle up shows who should pay whom, with as few payments as possible. When someone has paid, Mark as paid records it in Yuki; no money moves through Yuki. If a friend says they’ve paid money they owe you, Yuki asks you to confirm it: Yes, I got it or Not yet. See Groups.

Can Yuki remind people who owe me?

Yes, when you choose. For money owed outside a group, add their email and turn on Weekly reminders. Yuki shows you who it will email and how often before it starts, then emails them once a week until it’s settled, up to 6 times. They can tell you they’ve paid, tell you something’s not right, or ask Yuki to stop. In a group, Remind them sends the members who owe you a push, once a week.

What are pay links?

Pay links are your Revolut, PayPal, Monzo, Wise, Venmo or UPI handles, added under Your pay links. People who owe you see them as Pay with buttons on the reminder page, and members of your groups see them under what they owe you, with the amount filled in where the service allows. Money goes straight to you in that app, never through Yuki. Shared expenses, Settle up and pay links are on Free and Pro.

How do I track a loan or credit card?

Open Liabilities and tap Add a debt. Choose Mortgage, Loan, Credit card, Buy now pay later, Student loan or Other, and add the balance, and if you like the lender, interest rate (APR), minimum payment, payment schedule and an end date. Yuki shows the total owed and the monthly total, which debt to clear first by interest rate, and when each one finishes. Mark paid moves a debt to Cleared. Liabilities are on every plan.

What does Insights show?

Insights shows your spending for this month, 3 or 6 months, this year or all time, compared with the period before: the daily average, top spend and biggest day, a 6-month trend, essential against non-essential spending, spending by category, top merchants and a daily pattern, with a search of your transactions.