Spensio: Track Bills & Loans

Spensio is a modern expense tracker and budget planner that makes everyday money decisions feel simple. Track daily spending, subscriptions and loans in one place, get smart insights, and stay on top of your cash flow without spreadsheets.
Spensio is built for real life spending: quick captures, clear reports and thoughtful reminders so you do not miss bills or lose track of small everyday purchases.
Key features:
Fast Expense Capture
- Add expenses in seconds with a clean, focused sheet
- Tag spending with categories, wallets and notes
- Edit or delete transactions anytime
Smart subscriptions hub
- Track all your recurring subscriptions in one place
- See next renewal dates and monthly totals
- Mark payments, view recent charges and avoid surprise renewals
Budget planning and control
- Create budgets by category and wallet
- See progress, remaining amount and overspend at a glance
- Filter by period to understand how your goals are tracking
Loans and Repayments
- Add loans with amount, rate and term
- See remaining balance and upcoming due dates
- Track payments and progress toward payoff
Multi‑wallet support
- Separate personal, work, cards and accounts
- Assign every expense to the right wallet
- Understand where your money actually sits
Rich reports and Insights
- See spending by day, category and time of day
- Visual charts for trends and category breakdowns
- Filter by custom date ranges for deep dives
Smart capture tools
- Scan receipts to extract amount, date and merchant
- Optional AI voice mode to turn natural language into expenses
- Intelligent quick‑add suggestions based on your habits
Thoughtful Reminders and Notifications
- Subscription reminders before renewals
- Loan and bill overview on the home screen
- Gentle nudges to review your recent spending
Privacy and Offline friendly
- Your data is stored on device using Apple technologies.
- No account required to get started
- Export data to CSV or JSON whenever you want a backup
Why Spensio?
- Designed for clarity, not complexity.
- Focused on the three pillars that matter most: Daily Expenses, Subscriptions and Loans.
- Built for people who want control over their money without becoming finance experts.
Spensio helps you see where your money goes, stay ahead of recurring costs and feel confident about everyday spending, all in a calm, focused experience.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://spensio.netlify.app/privacy