Expense-tracking for freelancers who invoice in EUR
A common pattern among freelance designers, translators, developers and consultants who invoice in euros: HuntingtonMod as the small paper ledger, business banking app as the money-mover, accountant as the person who filters. HuntingtonMod is not affiliated with, endorsed by or connected to Huntington Bancshares Incorporated, Huntington National Bank, or Huntington Investment Company.
Who this is for
Freelancers whose primary income arrives as SEPA transfers from EU clients, whose expenses are a mix of coworking days, coffee, transport and small equipment purchases, and who send everything to an accountant once a month. Typical monthly expense count is between forty and one hundred and twenty rows.
The apps you need
Daily Expense Tracker (EUR 4.90), Receipt Scanner (EUR 4.90), Subscription Tracker (EUR 3.90) — total EUR 13.70/month, first month included. Add the Weekly Review (EUR 4.90) if you find the Sunday routine valuable; many freelancers do.
The weekly rhythm
Type each expense as it happens (twenty seconds each), or in a five-minute end-of-day pass. Photograph paper receipts into the Receipt Scanner as they arrive; toss the paper in a shoe-box for the two-year statutory keep. On Friday afternoon, glance at the running weekly total to catch anything you forgot.
The monthly rhythm
On the second of the month, click "Export CSV" in the Daily Expense Tracker for the previous month. Click "Monthly PDF" in the Receipt Scanner. Send both files to your accountant with the reference "Auslagen [Month]". The CSV is UTF-8, comma-separated, columns exactly as your accountant expects — date, payee, category, amount, VAT, note.
Reconciliation with your business banking app
Import the CSV into Kontist, Holvi, N26 Personal, GnuCash or MoneyMoney and reconcile against actual card transactions. Any expense in the CSV that has no matching card transaction is either cash (fine) or forgotten. Any card transaction with no matching CSV row is a missed expense — add it to next month.
What HuntingtonMod deliberately does not do here
It does not read your business bank. It does not issue invoices to clients. It does not compute your VAT. It does not talk to your accountant on your behalf. It gives you a clean CSV; the rest is your existing accounting workflow.
Common questions
Can I use it for the business AND for personal? Yes — that is the most common pattern. Tag business expenses with business and personal with personal; the monthly CSV can be split on the tag column before you send it to the accountant.
Does it handle multiple currencies? Only euro. If you occasionally invoice in USD or GBP, log the euro-equivalent at your bank's mid-market rate on the day; note the source currency in the note column.
Does it produce a VAT ledger? No. Your accountant does that from the CSV. HuntingtonMod is not accounting software; it is a small paper ledger.
Non-affiliation
HuntingtonMod is not affiliated with, endorsed by or connected to Huntington Bancshares Incorporated, Huntington National Bank, or Huntington Investment Company. Kontist, Holvi, N26, GnuCash and MoneyMoney are trademarks of their owners; no affiliation is implied.