# Spendiqo — Budgets, Investments & Privacy > Budgets, Investments & Privacy (iPhone/iPad app by Eranga Prasad.) - Source: https://appshunter.io/ios/app/spendiqo/id6786132847 (this page in markdown: same URL + `.md`) - Developer: [Eranga Prasad](https://appshunter.io/developer/1606849600) - Category: Finance, Lifestyle - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 26.0 · 10 MB - Languages: English, Spanish - Released: 2026-07-03 - Data updated: 2026-09-19 - User reviews in markdown: https://appshunter.io/ios/app/spendiqo/id6786132847/reviews.md ## What is Spendiqo? Spendiqo tracks your spending, budgets and investments in one calm, private place — built for how money actually moves, not how spreadsheets think it should. LOGS ITSELF FROM YOUR BANK TEXTS Spendiqo reads the bank SMS your phone already gets — even while it's locked — and quietly logs the transaction, picks a category, and skips the promotional spam. No bank login. No screen-scraping. The message never leaves your device. • Works locked, via a one-time Shortcuts setup • Smart spam filter you can teach • Auto-matches the right card or account EVERY CURRENCY, EVERY KIND OF HOLDING Fixed deposits, gold, stocks, crypto, mutual funds — tracked with live prices, real FX rates, and proper XIRR returns. Money in three currencies? Spendiqo converts everything to the one you think in, automatically. • Live prices & daily FX refresh • True money-weighted (XIRR) returns • Price-drop & target-reached alerts • Net worth history — see how your wealth has moved over time • Debt repayment strategy — pick Avalanche or Snowball and see exactly when you'll be debt-free NUDGES YOU BEFORE YOU OVERSPEND Set a monthly budget and Spendiqo tells you what's safe to spend today — not just what you've already spent. Bill reminders, price-drop alerts and maturity notices arrive exactly when they're useful, never as noise. • "Safe to spend today" on the home screen • Bill & fixed-deposit maturity reminders • Home Screen, Lock Screen & StandBy widgets, Live Activities AND THE REST OF THE TOOLKIT • Split expenses — add a "Split with" name to any expense, track who owes you, and settle in one tap • Merchant analytics — see your top payees ranked by spend with a drill-down for every transaction • Income source breakdown — know exactly where your money comes from, this month and over time • Search any expense from iOS Spotlight & Siri Suggestions • Multiple accounts — cash, cards and wallets, auto-matched by card digits • Custom categories & merchant rules Spendiqo remembers • Savings goals with real forecasts, not just totals • A running activity timeline of every import, edit and change • Undo accidental deletes before they're gone PRIVATE BY DESIGN, NOT BY POLICY No bank API, no third-party data broker, no account required to use the app. Everything lives in your own iCloud, encrypted the same way your Photos are. The only thing we ever see is anonymous, aggregate product analytics — never a transaction, a balance, or anything that could identify you. Export an encrypted backup any time and restore it on any device, no account needed. FREE VS. SPENDIQO PRO Free covers daily tracking, forever: unlimited manual expense entry, investments with live prices, budgets, goals, widgets, and iCloud sync across your devices. Spendiqo Pro adds the automation layer: bank-SMS auto-import, custom category rules, message templates, the smart spam filter, and encrypted backup & restore. Pro is $1.99/month or $14.99/year, with a 7-day free trial — cancel anytime in Settings. ONE DEVICE, OR ALL OF THEM iPhone and iPad on iOS 26+, and Mac on macOS 15+ — one shared iCloud sync, so a transaction added on your phone shows up on your Mac instantly. Built by one developer who wanted a tracker that respects your data as much as your budget. No investors, no growth targets, no dark patterns — just an app that has to earn your subscription by being useful. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Spendiqo Pro – Monthly | $1.99 | per month | | Spendiqo Pro – Yearly | $14.99 | per year | ## Version history (last 5 releases) ### 1.0.4 — 2026-09-07 - Customise your budget cycle - set any day 1–28 as your budget reset date (e.g. salary day). All budget, spending and forecast views update to your chosen period. - Activity feed - recurring expenses that auto-log each month now appear in the Activity feed. We update Spendiqo regularly to fix bugs, improve performance, and make the experience smoother. Thanks for using Spendiqo! ### 1.0.3 — 2026-07-30 We update Spendiqo regularly to fix bugs, improve performance, and make the experience smoother. Thanks for using Spendiqo! ### 1.0.2 — 2026-07-16 What's New in 1.0.2 Split Expenses Going halves with someone? Add a "Split with" field to any expense, enter their share, and Spendiqo tracks who owes you. A "People Owe Me" card on the home screen shows your outstanding splits at a glance — tap to settle in one tap, which automatically logs the repayment as income. Debt Repayment Strategy Head to Net Worth → Repayment Plan and pick Avalanche (highest rate first) or Snowball (smallest balance first). Spendiqo simulates your payoff month by month, shows how long it takes debt-free, and tells you exactly how much interest each strategy saves you. Spotlight & Siri Suggestions Your expenses are now searchable from iOS Spotlight. Swipe down on your home screen, type a merchant or amount, and tap the result to jump straight to that expense. Merchant Analytics See where your money actually goes. Top Merchants ranks every payee by total spend with a bar chart of your top five, inline spend bars for the full list, and a drill-down showing every transaction per merchant — all filtered by the period you choose (1M, 3M, 6M, 1Y, or All). Income Source Breakdown A new card on the home screen shows your income sources for the month ranked by total, so you can see which streams contribute most. Undo Deletes Deleted an expense by mistake? A toast appears at the bottom of the screen with a few seconds to undo it. We update Spendiqo regularly to fix bugs, improve performance, and make the experience smoother. Thanks for using Spendiqo! ### 1.0.1 — 2026-07-08 We update Spendiqo regularly to fix bugs, improve performance, and make the experience smoother. Thanks for using Spendiqo! ### 1.0 — 2026-07-03 No release notes. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-19.*