Your first week with Endute

Signing up

Registration asks for very little, and your 37-day free trial (45 days if a friend referred you) starts the moment you submit it. Before you can log in you need to click the verification link we email you, so if nothing arrives within a minute or two, check your spam folder.

Behind the scenes, your account is not empty. We create around 150 spending and income categories for you, organised under two dozen top-level groups such as Food & Dining, Transportation, Bills & Utilities and Subscriptions, along with a starter set of common payees like Tesco, Netflix and Octopus Energy. You can rename, reorganise or delete any of it later; the point is that your first imported transaction has somewhere sensible to land.

Your first login

A short wizard collects your name, a display name, your preferred currency and your country. The currency choice matters more than it looks: it becomes your base reporting currency, the one your net worth and reports are expressed in. After the wizard, Endute asks whether you want to connect a bank straight away. You can, and most people do, but the Skip for now button is a genuine choice rather than a guilt trip. Everything works with manually entered data too, and you can connect later from Manage Connections in the sidebar.

If you connect a bank

Connecting takes a couple of minutes through your bank's own login. Once your accounts are mapped, two things happen.

First, Endute offers to import your history. It fetches everything your bank will provide, often a year or more, and shows you a preview before anything touches your ledger: money in and out over time, your top spending categories, recurring bills and income it has spotted, and the merchants it recognised. You choose how deep to import: everything, the last year, the last 3 months, the last 30 days, or a custom start date. The last 3 months comes preselected, a deliberately gentle start; everything is one click away, and going deeper later is always possible. One tap imports it, and one tap undoes the whole batch if you change your mind.

Second, the setup checklist quietly ticks itself. A connected bank means accounts exist, categories are ready and payees arrive with the feed, so the only steps left are reviewing your recent transactions and a short tour of the tools.

If you start manually

Without a bank connection, the checklist walks you through the same ground at your own pace: add a payee, organise your categories, create your first account, then explore the tools. Manual accounts behave exactly like connected ones in budgets, reports and goals. Plenty of our users track cash or accounts from unsupported banks this way permanently.

The Getting Started checklist

The dashboard opens with a card headed Here are a few steps to get you started. It has five steps, or six once there are imported transactions to review:

• Complete your profile, already ticked by the wizard.
• Create a payee, Organise your categories and Add an account, the three setup chores. Each takes you to the right page when clicked.
• Review transactions, which appears once imported rows exist. For bank-connected users it reads Review your last 7 days, because that is literally what we stage for review at connection time; your deeper history goes in through the import flow instead.
• Explore your tools, a short carousel of what else is in the app.

Every step except the profile can be skipped: hover over the current step and a Skip button appears. Skipped steps keep a Restore button in case you change your mind. The whole card can be dismissed with the X in its corner, and brought back any time from App Settings under Onboarding, where a Re-run Setup Wizard option also lives. A re-run makes dismissed steps active again; steps backed by real data, like your accounts and payees, come back already ticked.

A sensible first week

• Day one: connect your main bank, import at least a few months of history, and skim the categories Endute assigned. Fix the ones that matter; precision on the rest can wait.
• Day two or three: review the pending transactions from the Pending Review card. This is where Endute learns your corrections, so the early reviews pay for themselves.
• Later in the week: set budgets for your five biggest spending categories. Our Budgeting in Endute 101 guide covers the whole flow.
• When you are ready, add the rest: a second bank, your savings, a credit card. The picture sharpens with each one.

What next

The rest of this Help Centre goes deeper on every area, and if anything behaves unexpectedly, the support team reads everything. Welcome aboard.