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• Redesigned Edit screen for bank loans: change the amount, term, interest, lender, account and date in one place, with the number keypad for amounts • Changing a loan's amount or account now also updates its original payout transaction • Bank ads, offers and card statements are no longer picked up as transactions • HNB card bill payments are now saved as a card payment and matched with the transfer from your bank account
Know what's safe to spend. Budgets, bank SMS tracking, goals & loans in one app
Spencio is an expense tracker and budget planner that tells you one simple thing every day: how much is safe to spend. Log a purchase in 3 taps, let Spencio track your bank SMS automatically, and keep budgets, savings goals, credit cards, loans and investments in one calm place. ■ KNOW WHAT'S SAFE TO SPEND • Safe to spend today: one daily number based on your budgets and the days left in the month • A home screen with today's spending, month totals and anything that needs attention • A month-end forecast that tells you if you're on pace or heading over budget ■ LOG EXPENSES IN SECONDS • Add an expense, income or transfer in 3 taps • Category suggestions that learn from your habits • Split transactions, set up recurring ones and attach receipt photos • A gentle daily reminder, only on days you haven't logged anything ■ AUTOMATIC SMS EXPENSE TRACKING • Reads your bank SMS and logs spending for you • Spots transfers between your own accounts so they're not counted twice • Review everything at once, and Spencio remembers your corrections ■ BUDGETS THAT KEEP YOU ON TRACK • Monthly budgets for each category, with a daily spending allowance • Early warnings when a category is spending fast or goes over • Budget suggestions based on what you actually spend ■ INSIGHTS THAT EXPLAIN YOUR SPENDING • Unusual spending alerts, such as "Food is 38% above usual" • Your most expensive day of the week, top merchants and small purchases that add up • Fixed vs flexible costs, savings rate, net worth and your debt-free date ■ SAVINGS GOALS • Goals with target dates and a pace check: "on track" or "€80 behind" • Add money in one tap and link each goal to the account that holds it ■ EVERY ACCOUNT IN ONE MONEY MANAGER • Bank accounts, cash wallets and credit cards together, with your net worth • Credit card statements, due-date reminders and limit usage • Turn card purchases into monthly instalment plans and track early payoff ■ LOAN TRACKER AND IOUs • Track money you lent or borrowed, with reminders before it's due • Bank loans, interest-only loans and flexible credit lines • Record payments and see what's left at any time ■ INVESTMENTS • Stocks, ETFs, mutual funds, crypto and fixed deposits • SIPs, redemptions and statement import • Total portfolio value and gains at a glance ■ SUBSCRIPTION TRACKER • See every recurring payment and your monthly total • Spot subscriptions you haven't used in a while ■ 12 MONEY CALCULATORS • EMI and loan payments, mortgage, debt payoff, FD, SIP, investment returns, savings goals, emergency fund, retirement and inflation • "Can I afford it?": compare paying cash, card instalments or saving up • Calculators use your real numbers, and one tap turns a result into a goal, loan or reminder ■ MULTI-CURRENCY • Any main currency, plus accounts in other currencies • Exchange rates that update automatically or that you set yourself ■ PRIVATE AND BACKED UP • Sign in with Google, or use Spencio as a guest • Daily or weekly automatic backup, with restore to a new phone • Optional backup encryption with your own password • Export your data to a file at any time ■ MADE FOR EVERY SCREEN • Light and dark themes • A two-pane layout on tablets Stop guessing where your money went. Download Spencio and know what's safe to spend today.