The spending tracker
for your household.
Who paid, who owes whom, what was the money spent on? WonderBon answers the five questions every household asks each month — in one dashboard, just one click from the receipt.
Who paid what — and who still gets money back?
In a shared household, costs come up every day from different accounts, on different cards, for different purposes. At month's end, all that's left is gut feel — and four classic discussions:
"I think I've paid more."
Without a clear overview, that impression sets in fast — especially when one person does the weekly shop and the other pays the fixed costs. What's missing: hard numbers.
"What was actually shared?"
dm receipt with personal and household items on it. Restaurant bill with a tip. Online order half for me, half for the family. Things get unclear fast.
"What was that for again?"
Your bank statement says "REWE €83.47". But was that only groceries? Or toilet roll, sweets, toiletries too? Without the receipt level, no real analysis.
"So who gets money back?"
Even with all receipts there: working out the balance by hand is fiddly and error-prone. In the end it's "Forget it, leave it" — until someone feels they're paying more, all the time.
Five questions WonderBon answers.
Every household asks them every month — but hardly anyone gets clear answers. WonderBon turns each question into a click on the dashboard.
Who paid?
Broken down per person — it becomes visible whether the split in the household is running fair or persistently off.
What for?
Structured by category — groceries, toiletries, restaurants, subscriptions, mobility. Where is the budget pulling?
Where?
Listed per merchant — supermarket, discounter, online shop, delivery service. Which shops are driving your costs?
How split?
50/50, by income, private or shared per line — individually per expense, with clear logic.
Who owes whom?
Balance calculated automatically, settlement amount suggested. One click instead of a discussion.
"Just check."
These two words replace 90 % of money discussions in a WonderBon household. Who paid more, who covered the last shop, what we actually spent so much on last month — all the answers sit in the dashboard.
"I think I've paid more" becomes "Just check." — and discussion becomes a shared glance at a single card. That's not just more efficient. It's fairer too.
"We used to have a money discussion every quarter. Now we look at the dashboard once a month and that's it. Sounds unspectacular — but it's a huge difference." — from beta-phase user feedback
What the dashboard delivers in detail.
Four headline numbers that show how comprehensive the analysis is:
What the spending tracker can do in detail.
Six building blocks that together paint the full household picture:
Broken down per person
Each person with their own avatar, colour and analysis. At a glance you see who contributed how much — and whether the household split is running fair.
Balance done automatically
WonderBon works out the month-end settlement between household members. Many receipts and splits turn into one clear number: who transfers what to whom.
Category analysis
Groceries, toiletries, restaurants, subscriptions — every expense is assigned to a category. You see not just the total, but the structure of your costs.
Merchant analysis
Where is your money going? Listed per merchant, with totals and frequency. Sometimes it's not the category that's the problem — it's the habit.
Flexible splitting
50/50, per head, by income, individually per line. Even within a single receipt different lines can be split differently — shared and private cleanly separated.
Drill down to the receipt
A category jumping up unexpectedly? Click — and you see every receipt behind it. Dashboard and receipt are never separate, always one click apart.
Clarity once a month.
The spending tracker becomes the WonderBon month-end ritual: a short, recurring check instead of a tedious budget book.
"Who paid what? Who gets money back?"
For every household setup.
Couple, family, flat-share or single household — the spending tracker adapts, because splitting rules and people are freely configurable:
Couples
Separate accounts, shared expenses. WonderBon shows who paid what and what a fair settlement looks like.
Families
Groceries, toiletries, kids' essentials, subscriptions: WonderBon makes visible which categories are really driving your household.
Flat-shares
Cleaning supplies, electricity, broadband, shared meals: WonderBon shows who paid and who still has something to give back.
Single households
Even on your own, WonderBon helps you understand spending better by category, receipt and merchant.
Why not just a bank statement or Excel?
A spending tracker has to do four things at once: receipt depth, fair splitting, balance logic and category analysis. How do the alternatives stack up?
| Feature | WonderBon | Bank statement | Splitting app | Excel |
|---|---|---|---|---|
| Receipt level with individual lines | Yes, AI-recognised | No | No | Manual |
| Per-person splitting | Flexible | No | Yes | Manual |
| Balance calculated automatically | Yes | No | Yes | Manual |
| Categories & merchants | Automatic | Limited | No | Manual |
| Maintenance effort | Minimal | None | High | Very high |
Frequently asked questions
What is a spending tracker?
A spending tracker shows where money was spent. In WonderBon, it covers not just amounts, but people, categories, merchants, receipts, recurring payments and balances between household members — all in one dashboard you can jump from straight back to the receipt level.
Does WonderBon calculate who owes whom?
Yes. From all captured and split expenses, WonderBon works out a balance between household members and suggests a settlement amount at month's end. Instead of discussing every expense one by one, a glance at the settlement is enough.
How do I split expenses?
For each expense you set the rule: 50/50 between two people, per head in a flat-share, individually by proportion, single lines private, or certain categories shared. Even within one receipt, different lines can be split differently — groceries shared, shampoo private.
Can I see spending by category and merchant?
Yes, both. WonderBon automatically assigns every expense to a category (groceries, toiletries, household, subscriptions, …) and recognises the merchant from the receipt. So you see not just what you're spending on, but also where — and you can read your shopping habits more clearly.
Is WonderBon a budget book?
WonderBon can replace a budget book, but goes far beyond it. It combines automatic receipt recognition, categories, people, flexible splitting, balance calculation and a month-end ritual — without you having to type every expense in by hand. Classic budget books fail at the upkeep; WonderBon doesn't.
Does WonderBon work for flat-shares?
Yes, particularly well. Flat-shares benefit a lot: cleaning supplies, electricity, broadband, deposits, shared shops — everything gets traceably assigned and settled at month's end. Instead of endless WhatsApp discussions, a glance at the dashboard is enough.
What's the difference to a banking app or Excel?
Banking apps show account transactions without product detail or splitting logic. Excel is flexible, but every single entry is manual. WonderBon connects the layers: receipt recognition, categories, people, balance, splitting and month-end summary in one dashboard — without the upkeep.
Stop guessing. Just check.
Many small receipts become one clear picture of the household. Who paid what, who owes whom, where the money actually flows — all in one card, all one click away.
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