Track every expense, automatically.
Spencio categorises every transaction the moment you log it, keeps every currency straight, and — on iOS — picks up bank alerts on its own.
- ✓ Works fully offline, no sign-up required
- ✓ Every account keeps its own currency
- ✓ Auto-imports bank SMS on iOS
- ✓ Budgets that warn you before you overspend
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Spencio is a new app from a small team, still shipping fast — the last update landed days ago, not months.
We don't have thousands of reviews yet, so we'd rather be upfront about that than fake it. What we can promise: your data stays on your device by default, we don't sell it, and we read every bit of support email ourselves.
Everything you need to spend smarter
A one-time Shortcuts setup, and bank alerts turn into logged transactions automatically — no forwarding, no pasting.
Every account keeps its own currency, tracked side by side.
Set a limit per category and get an early warning before you go over.
See exactly where your money goes, broken down by category and time.
Name a goal, link it to a real account, and watch progress update as you save — plus a dedicated ledger for money you've lent or borrowed.
Spencio works fully offline. Bank SMS Automation runs on-device through Apple's own Shortcuts, so we never ask for blanket access to your messages.
Signing in is optional and only used for backup. We don't sell your data, and Spencio Premium is a plain subscription — that's the whole business model.
Frequently asked questions
Ready to try it yourself?
Spencio is free to download on iOS and Android. Want the full walkthrough first? Browse the guide →