Bank SMS, smarter • To review now tells you what each bank SMS is before you open it, like "Groceries › Supermarket · same as last 4 visits". Add saves the ones Spencio is sure about in one tap. • Swipe left to remove a text. Every removal can be undone. • Mark a text as "Not a transaction" and Spencio can skip similar ones from that bank. Manage them in SMS tracking › Skipped texts. • When Spencio can't read a bank's message format, tap the amount and the shop once and it reads texts like that on its own. See them in SMS tracking › Message formats. Categories and rules • Merchant rules can file to a subcategory, like Velora House → Food › Dining out. "Add subcategories" updates your existing rules in one go and can move their past transactions. • A quicker category picker that searches across categories and subcategories. • Better suggestions for tolls, fuel, taxis, buses and car repairs. • Account and merchant rules now sit together at the top of SMS tracking. Also new • Add a bank charge when editing a transfer. • You can start using Spencio without setting a budget. Fixes • The same bank SMS could show up twice in To review. • A subcategory picked while reviewing a bank SMS is no longer lost. • Deleting a merchant rule can now be undone. • On Auto, the Home card shows when your budget ran out, including on the last day of the month. • The Bills and + Budget buttons on Plan no longer touch.

Subcategories • Split a category into kinds, like Food & Dining › Coffee. Turn them on in Categories; budgets and insights still count them under the main category. • Turning them on adds ready-made kinds to each category, with Undo. • On the add screen, a category's subcategories show right under it, and Change category opens as a grid with subcategories inside each category. • Bank SMS are filed under the right kind, like Uber under Transport › Taxi. When Spencio isn't sure (Keells: Supermarket or Snacks?), it asks in the notification and learns from your pick. • A "Which kind?" card on transactions that sit only on a main category. Subscriptions • Already paid a subscription? Link the payment from Activity instead of adding it again. • Bank SMS charges are matched to their subscription, so a renewal isn't counted twice. Web dashboard • Settings → Web dashboard lists your signed-in computers and where they are. Sign them out from your phone. Home • Home card settings have a live preview and an Off option. Fixes • A transfer's bank charge is always taken from the sending account. If the account can't cover both, Spencio tells you instead of saving the transfer without it. • Home's Auto card switches to the run-out date when you spend fast lately, and back once you slow down. • The Activity search hint uses your main currency.

- New: the Money Map. Short rides show how each part of Spencio works, one stop at a time, and you can practise without changing your real data. Find it on Home or in Settings → Learning & help - New: when a bank SMS shows something new, like an EMI or a loan, Spencio offers a short ride that explains it - New: in Learning & help, have guides read aloud, make their text bigger, or slow the demos down

Bug fixes and performance improvements.

New in Spencio 2.22 • Try the web dashboard free for 7 days. Manage your money on a bigger screen: start your trial from Settings → Web dashboard, scan the code on your computer, and unlock it with your backup password. After the trial, the web dashboard is part of Spencio Plus. • Settings → Web dashboard now shows where you stand: how many trial days are left, or that your trial has ended.

What's new in Spencio Transactions - Tap any detail on a transaction to change just that, in a small sheet, with Undo. Moving one to another category can move the others from the same place too - Swipe a transaction in Activity to change its category - An edit can't take a bank, cash or wallet account below zero. Spencio says which account is short and by how much Home - The Home card shows whether you're on pace for the month and, when you're spending fast, when your budget runs out. Choose what it shows in Settings › Home card Bank loans - Loans charge interest the way your bank does. Pick daily or monthly interest, set the date you borrowed and your first payment, and enter the EMI from your loan letter - Don't know a loan's rate? Enter the installment and Spencio works out the rate, the interest paid so far and what's left - All activity shows one row per payment, split into principal and interest, plus changes like a new EMI or rate - See a loan's full schedule, every payment past and future, grouped by year - When your bank takes a different EMI than expected, match it from Record payment. Spencio updates the loan and shows what changes before you save Credit cards and installment plans - A closed statement shows what's left to pay, whether the minimum is covered, and the payments toward it - Card payments go to the oldest statement with something left, and anything extra is credit for the next one - Mark paid on a statement for a payment made outside - Add an installment plan you already had with your bank, with an optional one-time fee - A warning when a plan doesn't fit your card's limitto bring the card in line in one step - Finished plans show what they cost, then move to Past plans, with a notification when one is paid off Subscriptions - If you have Spencio Plus, add it to your subscriptite with the rest Fixes - Bank messages that show only the last two or three digits of an account (HNB, BOC) now go to the right account - After changing what you owe in Edit card, the card t - Paying off an installment plan early from a bank account took the amount off the card twice - Paid-off installment plans still showed on the card - Deleting an account now says its transactions are kept, under "Unknown account" - Large amounts no longer run off the screen on loans - Undo messages no longer stack

- New: see a credit card's statement before it arrives. Tap See all on a card for every purchase, refund, fee and installment, with the same total as your bank. Step back through earlier statements and pay a closed one - New: tap a card purchase to see its statement and due date. Refund it or turn it into installments from there - New: refunds from an SMS link to their purchase on their own. Link or unlink any refund yourself - New: tap an installment payment to see the plan's progress and what's coming, or pay it off early - New: Add spend on the card page logs a purchase with the card already picked - Fixed: a bank message caught by more than one Shortcuts automation is logged once - Fixed: back arrows and text look the same on every screen

BILLS CALENDAR • New Bills page: every due date in one calendar, from subscriptions, installments, loan EMIs, credit cards and money you owe. Open it from Explore or the Plan tab. • Mark a bill paid with one tap or a swipe, skip a payment, and filter by account, type or status. • Home alerts you when a bill is overdue or due today, with a button to pay it. • Bill reminders 3 days and 1 day before, on the day, and after it's overdue. Quiet between 21:00 and 8:00. CREDIT CARDS & INSTALLMENTS • Interest-free days: set your statement day and see how many days you have and the date to pay by. • The amount to pay this cycle now includes installments due before the next statement. • Installments follow your card's statement dates, and Edit plan lets you rename a plan and change every detail in one place. • Reminders for the best day to buy and for a statement about to close. TRANSFERS BETWEEN CURRENCIES • Move money between accounts in different currencies. Enter either amount and Spencio works out the other from the rate, and can record a bank fee if your rate was worse. • Bank messages for a debit in one currency and a credit in another are saved as one transfer. LOG AN EXPENSE WITHOUT OPENING SPENCIO • Double-tap the back of your iPhone to log an expense with the new Quick Log Expense action. An animated guide in Settings › Log with Back Tap walks you through setup. • New Quick log settings: choose whether it asks for the account, category and a note, and how many options each list shows. • It saves quietly and sends an optional "Expense logged" notification. EXPORT • Export transactions as CSV, Excel or a printable PDF statement (Spencio Plus), with an optional running balance that matches your bank statement. GROUP FUNDS • Payments that carry a member's reference are recorded in the fund automatically. • Each fund now has one shared page for everyone. SUBSCRIPTIONS • 14 types with popular services to pick in one tap. AND MORE • Bank Import is free for everyone and is remembered when you move to a new phone. • Deleting a transaction is instant, with an Undo bar to bring it back. • Siri and Spotlight now suggest only Log Bank SMS. The other actions stay in the Shortcuts • The "update available" prompt now works on iPhone. • Activity totals show your main currency. • Sampath Bank shop names printed letter by letter are now read correctly.

Group funds - When a member pays into your account and the bank message carries their payment reference (like ELLA-KIRAN), Spencio now records it in the fund for you. A message that only names them, or repeats a payment already recorded, waits for your review instead of becoming personal income. - If two funds share a reference, the payment goes to the fund where that person still owes. If Spencio cannot tell, it asks you. - Each group fund now has one shared page for everyone, instead of one link per member. Sharing - Free accounts can share a link for one group fund and for loans with two people. Spencio Plus unlocks more links. Everything else - Delete a transaction instantly. An Undo bar brings it back. - The update prompt now shows what is new, and Later snoozes it for a day.

- New: change a transaction's title. Tap the title on a transaction to rename it. For a transaction that came from a bank message you can see the original text, go back to it, and rename every past and future transaction from that merchant at once - Loans: you can now delete a person with all their loans from their menu, and open a settled loan from History to delete it. Deleting a loan also removes its history entries - Adding a loan now tells you what is missing (amount, who, which account) under each field instead of doing nothing, and has a switch to record the loan without changing the account balance - Choosing an account for a loan opens a new, easier sheet with search, filters and balances, and dates open in a bottom sheet instead of a pop-up - Year view charts now animate in like the other Insights charts - Large amounts no longer split over several lines on Spending patterns, Budgets, the Home "Safe to spend" figure and a bank account's In and Out totals - Group fund links now use the same website as loan pages - Fixed notifications not appearing on some phones where the notification icon could not be found - Fixed a crash-loop in progress bars on very narrow layouts, and stopped reporting temporary server errors and sign-out notices as problems

- New Merchant rules section under SMS tracking: see, add, edit and delete the merchant-to-category rules, with the same look as Account rules - Messages from banks Spencio doesn't know yet now match your account by the card's last 4 digits - Loan share links and the web dashboard are now part of Spencio Plus - Share link sheet: drag down to close it, and edit your name and payment details right in the sheet - Backup: the last backup time is now remembered after you close the app

What's new in 2.1.9 Spencio Plus • Loan share links are now a Spencio Plus feature • The web dashboard sign-in in Settings is now shown to Plus members Improvements • Share link sheet: drag down to close it • Edit your name and payment details directly in the share link sheet, with no more popups Fixes • Backup: the "Backed up" time now stays after you close and reopen the app

What's new in 2.1.3 Subscriptions • Spencio now scans your last 14 months of spending for repeating charges and walks you through setting them up as subscriptions. • Review each one, confirm the amount, or add ones you've already cancelled. Bank SMS tracking • Card statements and payment reminders are no longer picked up as transactions. • Messages are matched to the right account using the account number in the SMS. • When a transfer sends two messages (the debit alert and the confirmation), Spencio now records it once, and shows the bank's fee as a separate bank charge. • If an account doesn't have enough balance to log an expense, Spencio tells you why and offers to add funds. • Improved reading of People's Bank messages, including balance and time. Thanks for using Spencio. If a bank message isn't read correctly, you can report it from the review screen and it helps us add support.

Bring your history with you • Import from Money Manager backups (.mmbak) and CSV exports from apps like Spendee and YNAB • Match accounts and categories on separate screens, keep unmatched ones as tags, and undo an import for 7 days • Balance adjustments are imported as adjustments, not expenses, and transfers between merged accounts are not counted twice • After importing, add card limits, statement days, loan terms and bank details. Accounts still missing them show an "Incomplete" tag Bank message detection • If you have two accounts at the same bank, messages are now matched by the last four digits instead of all going to the first account • Bank account messages (such as "AC **1234") are no longer mistaken for card messages • Transfer messages now show the person's name as the merchant

Few known bugs and errors are fixed

- Fixes: bank messages where the merchant name is followed by a comma, such as "ANTHROPIC, PBC", are now logged with the merchant as the title instead of an empty one - Those transactions can now be categorised by your merchant rules instead of landing as uncategorised

A fresh new look, plus smarter ways to stay on top of your spending. NEW DESIGN Spencio has been redesigned from the ground up: a cleaner home screen, clearer wallets and budgets, and a new welcome experience. You can also try the app first with Continue as guest, no account needed. DAILY NUDGE Pick the time that suits you, choose which days to be reminded, and Spencio will only nudge you when you haven't logged anything yet. It can even suggest the time you usually log. ENCRYPTED BACKUP Back up a full copy of your data, locked with your own password before it leaves your phone. Only you can open it, and you can restore it on a new phone. SIGN IN ONLY WHEN YOU NEED IT Backup and bank SMS tracking use your account. Everything else works without one. RELIABILITY We've improved error reporting behind the scenes so problems get fixed faster, and fixed several small issues.

Added a feature exploration section to the app and set up the features within the app. Also fixed several errors and known issues.

New calculator section with some known bug fixes.

Fixed several known issues and errors.

Fixed some known bugs

Automatic Bank Transaction Tracking The biggest update yet: Spencio can now log your transactions for you. On Android, it reads incoming bank SMS directly. On iOS, a one-time Shortcuts setup (with a new one-tap "Quick Setup") hands matching messages to Spencio in the background. • Smart categorization - Spencio learns which category each merchant belongs to and applies it automatically next time • Accurate account matching - transactions are matched to the right account or card, not dumped into one default • Nothing posted blindly - anything Spencio isn't confident about goes to a new "Needs Review" list with a notification, instead of guessing • Full control - review, edit, or delete the merchant and account rules Spencio has learned, anytime in Settings • Your setting follows you - the Bank Import toggle now syncs across devices, so reinstalling or switching phones won't silently turn it off Also in this release: • Fully paid installment plans now move to a History section, so your active list only shows what's still outstanding • Fixed bank SMS transactions posting at midnight instead of the real message time • Fixed several real-world bank SMS parsing edge cases • General reliability and bug fixes

Track recurring bills and auto-log them as they renew. - New Subscriptions screen (accessible from the menu), see active and cancelled subscriptions, with your total monthly spend at a glance. - Add a subscription with its amount, account, category, billing cycle (weekly, monthly, quarterly, yearly), and start date. - Auto-logged renewals: on its due date, a subscription is automatically posted as an expense, so you don't have to remember to log it yourself. - Renewal reminders:get notified a few days before a subscription renews (configurable per subscription), plus a confirmation notice once it's been charged. - Cancel, reactivate, or delete a subscription at any time. - Categories in Add Transaction now sort by how often you use them, so your most-used ones show up first.

Shortcuts feature added for the quick transaction logging.

Fixed few bug fixes and known issues