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Budgeting apps follow what you already spent. Spreadsheets do whatever you build. Figa plans the bills that come back, before they are due.
Pick by what you need
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Spreadsheets and budgeting apps differ a lot. “Varies” means it depends on the one you use.
Moving from a spreadsheet
Save the bills you track as a CSV file.
Import the CSV on Pro, or add your bills by hand on Free.
Give each bill its schedule. The months ahead fill in from there.
Recurring bill tracker
How the three approaches differ, and how to choose.
Most budgeting apps connect to your bank and sort the transactions that already happened. They are good at showing where money went, and less focused on what the coming months will need.
A spreadsheet can model anything, but schedules, installments, forecasts and sharing are formulas and habits you maintain yourself, every month.
Figa starts from the bills you know you pay. Each keeps its schedule, so every coming month shows its total, what is paid and what is still to pay, without a bank connection.
Anything else is in Help, or one email away.
Not in the usual sense. Figa plans recurring bills and expenses ahead. It does not import card transactions from your bank.
No. You add bills yourself, import a CSV on Pro, or send them from an AI assistant or workflow.
Yes. Export it as CSV and import it on Pro, or add your bills by hand on Free.
No. It helps you plan and control expenses and exports CSV for your accountant.
Start with rent. Every bill you add sharpens the months ahead.
Free plan · No card · No bank connection