Set up in under a minute

The first time you open Spencio, a short guided walkthrough gets you oriented — sign-in is optional, and nothing you set up here is locked in.

Guide 1 of 11

Step 1 of 5

Welcome to Spencio

A short, five-step walkthrough gets you from install to your first logged transaction.

Step 2 of 5

Spencio works fully offline from the first launch — signing in only matters if you want your data backed up and restorable on another device.

1Tap "Continue with Google" or "Continue with Apple" to enable cloud backup & restore.
2Or tap "Continue as Guest" to skip sign-in and use Spencio fully offline — you can sign in later from Settings.

Step 3 of 5

Give Spencio a starting balance to track against, or explore the app first and add accounts later.

1Give the account a name, pick a type (Cash, Bank, Card, Wallet, Loan, Investment or Asset), and enter its opening balance.
2Tap "Skip for now" to come back to this later from the Accounts tab.

Step 4 of 5

Spencio sets up a full set of common expense and income categories so you can start logging immediately.

1Review the categories, then tap "Continue" — you can rename, recolor, or add your own anytime from the menu.

Step 5 of 5

This is the default currency used for budget totals and cross-account summaries across the app.

💡This is separate from an individual account’s own currency — accounts can each use a different currency and still roll up into one summary.

Spencio is free to download on iOS and Android — every feature in this guide is included.