Spendiqo
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Description
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/