# Spensio: Track Bills & Loans — Track Spend, Subs & Loans

> Expense, subscription, and loan tracker with smart insights and reminders. (iPhone/iPad app by Robinson Chinnappan.)

- Source: https://appshunter.io/ios/app/spensio-track-bills-and-loans/id6754501836 (this page in markdown: same URL + `.md`)
- Developer: [Robinson Chinnappan](https://appshunter.io/developer/1885905681)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 17 MB
- Languages: American English, Arabic, Danish, French (France), German (Germany), Hindi, Indonesian, Italian, Japanese, Korean and 7 more
- Released: 2025-12-09
- Data updated: 2026-08-29
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/spensio-track-bills-and-loans/id6754501836/reviews.md

## What is Spensio?

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://getspensio.app/privacy

## Key features

- Fast expense capture
- Subscription tracking
- Budget planning
- Loan management
- Multi-wallet support
- Rich reports and insights
- Smart capture tools
- Thoughtful reminders

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Pro | $9.99 | per year |
| Pro Monthly | $1.99 | per month |


## Recent user reviews (10 of 15)

All indexed reviews: https://appshunter.io/ios/app/spensio-track-bills-and-loans/id6754501836/reviews.md

### 4/5 — Need Widgets in Home Screen

*2026-03-14*

Instead of reminder. We can get to know when was Loan Emi date

### 3/5 — Enabling a card for balance remaining

*2026-03-04*

It would be very helpful if we display the remaining balance in a card

### 4/5 — Data backup

*2026-02-25*

Can I get the more details about the data backup, If I reset my mobile, dont want to restore the entire mobile configuration from
icloud backup, is any option to restore the data that I stored earlier.
Thanks

### 5/5 — Super

*2026-02-22*

Really useful application. My salary easily trackable.

### 4/5 — Review

*2026-02-06*

Can you investment and insurance

### 2/5 — Unable to Save Loan Details

*2026-01-31*

Unable to save loan details after entering information in the loan section.

### 4/5 — One of the best

*2026-01-26*

UI is so minimal and easy, anyone can understand. Easy money management

### 3/5 — User Feedback & Feature Requests

*2026-01-25*

Hello Spensio Team,

I have been using the Spensio app for the last 10 days and I really like the concept. I would like to suggest a few improvements that will make the app more user-friendly:
	1.	Plus (+) option inside the same category
Example: If I add Food = ₹10, later I should be able to press a “+” button and add another ₹10 directly to the same Food category, instead of creating a new entry.
	2.	Quick “Add” from category screen
After choosing a category, there should be a + button to add amount immediately in that same category.
	3.	Add Category option inside Plus button
When clicking +, please provide an option to add a new category from there itself (no need to go back to settings).
	4.	Report section is too complex
Too many options in reports. Please simplify it.
	5.	PDF export for reports
It would be very helpful if we can export reports as PDF.

These features will greatly improve daily expense tracking and overall usability.

Thank you for your support. Looking forward to future updates.

### 3/5 — iCloud backup is not working in all devices

*2026-01-13*

I had tried to give input in my iPad, but the same details is not reflecting into my iPhone 15. Even though I had purchased pro version, but I could not able to find the iCloud backup option. It seems that iCloud backup is not enabled in this app or could you please guide me how to do that ?

### 5/5 — Feedback

*2026-01-10*

I would prefer the merchant name to be present in the menu when i try to click on "+" button to add an expense instead going into the moreoption and selecting merchant .

## Frequently asked questions about Spensio

### What is Spensio?

Spensio is a finance app designed to help users track daily expenses, manage subscriptions, and monitor loans. It aims to simplify everyday money decisions with smart insights and clear reports.

### Does Spensio have ads?

No, Spensio does not contain advertisements. The app is designed to provide a focused and uninterrupted financial tracking experience for its users.

### What are the subscription options for Spensio?

Spensio offers a Pro Monthly plan at $1.99 per month and a Pro annual plan at $9.99 per year. The annual plan includes a 14-day free trial.

### How secure is Spensio?

Spensio prioritizes user privacy by storing data locally on the device using Apple technologies. No account is required to start using the app, enhancing its security and privacy features.

### On which devices can I use Spensio?

Spensio is available on iPhone and iPad. The app is designed to offer a seamless experience across these Apple devices.

### How often is Spensio updated?

Spensio was last updated on June 4, 2026, with version 1.1.6. This indicates regular updates to improve functionality and address user needs.

### Can I export my data from Spensio?

Yes, Spensio allows you to export your data to CSV or JSON formats. This feature provides a convenient way to back up your financial information.

### What is the age rating for Spensio?

Spensio has an age rating of 4+. This means it is suitable for users of all ages, with content generally considered appropriate for children and adults.

## Version history (last 5 releases)

### 1.4 — 2026-08-05

New Features:
- Add expenses faster using voice input.
- Scan receipts to quickly add expenses.
- Improved Reports Chat responses with clearer spending snapshots.
- Added support for CNY, HKD, TWD, THB, PHP, VND, PKR, BDT, NPR, NZD, PLN, CZK, HUF, RON, ARS, CLP, COP, PEN, EGP, KES, GHS, and MAD currencies.

Bug Fixes:
- Fixed an issue where loan repayments could be counted twice in Income Balance.
- Fixed Reports Chat insights showing incorrect or missing expense totals.
- Fixed an issue where Reports Chat could fail to respond.

### 1.3 — 2026-07-15

- Create new categories within Add Expense - Manage Categories page.
- Added BackTap Shortcuts Support. Quickly add expenses using BackTap feature.
- Tap on Widget to Quickly Add Expense.
- Reports View now supports Category Specific viewing of Expenses.
- Reports View now shows Wallet specific viewing of Expenses.
- Income Balance now has Carry Forward Setting for Surplus amount.
- Added Loans Advance Payments section with Options you can Choose about Tenure, EMI Reduce.

### 1.2 — 2026-06-30

Widgets now available in Spensio.
- Now add Small, Medium widgets to your Homescreen.
- Add Expenses using SIRI. Just say It!
- Loans Sending Notification after Paid Off Bug Fixed.

*** BEFORE Updating TAKE BACKUP of Current Data in Settings - Export section ***

### 1.1.6 — 2026-06-04

Safety Tip: You may take a manual backup of Spensio Data in App Settings before Updating.
- Default Categories Delete Option available
- Fixed Duplicate Notifications alert for Subscriptions and Loan Payments.
- Tap and Hold to Edit Loan Repayment Schedules only in Manual mode
- Loans Repayment Schedule Paid, Overdue Indicators
- Loans Page UI Refinements for Better Understanding

### 1.1.5 — 2026-05-11

- Added Malaysian Ringgit Currency.
- Primary Wallet Currency Reset to INR Bug FIxed.
- Settings - Manage Categories, Sub Categories UI Bug Fixed.
- Loan amount not calculating in Income Sheet.
- Deleted Subscription Transaction Report showing in History Fixed.

## More apps by Robinson Chinnappan

- [iRobinPro](https://appshunter.io/ios/app/irobinpro/id1465372382)
- [Pla.](https://appshunter.io/ios/app/pla/id6753736094)
- [Infinity Timer: Never Forget](https://appshunter.io/ios/app/infinity-timer-never-forget/id6754233899)
- [Juno - No AI Camera](https://appshunter.io/ios/app/juno-no-ai-camera/id6756851934)
- [Ivaan - Daily Verse](https://appshunter.io/ios/app/ivaan-daily-verse/id6757232964)

All apps by Robinson Chinnappan: https://appshunter.io/developer/1885905681

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*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 2026-08-29.*