- 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

Fixed several known issues and bugs.

Few bugs are fixed. And new feature added with mini loans.

Fixed few known bugs.

Group sharing payments are added. And several bug fixes are done.

- Fixed restore failing on a new device. Restoring a backup could crash with a database error and silently fail, leaving you on the currency-setup screen after signing in instead of your restored data. - Fixed duplicated default categories after restore. Restoring a backup could leave you with two copies of each starter category (Food & Dining, Transport, Salary, etc.) — one from the fresh install, one from the restore.

### Sign In with Google or Apple - Create an account or log in with one tap using your existing Google or Apple account, no passwords to set up or remember. - Signing in unlocks cloud backup & sync for premium subscribers: your accounts, transactions, and settings are securely backed up and kept in sync across devices. - Manage your signed-in account and trigger backup/restore anytime from Settings → Account and Settings → Backup & Restore

Added bank charges for account transfers. Several bug fixes are done.

What's New in Spencio 1.1.8 Spencio Premium Introducing Spencio Premium an ad-free experience for just $0.99/month or $6.99/year. Subscribe from the Settings page and enjoy uninterrupted expense tracking. Cancel anytime. Bug fixes and performance improvements Minor stability improvements under the hood.

Few bug fixes are done.