Launching soon on the App Store
Your money,
finally organized.
Spendiqo tracks spending, budgets and investments in one calm, private place — for iPhone, iPad and Mac. No bank logins, no ads, no data for sale.
Everything, automatically
Built for how money actually moves
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 without you lifting a finger. 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
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 widgets & Live Activities
Private by design, not by policy
Your transactions are yours. Full stop.
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.
iCloud, not our servers
Your data syncs through your own private iCloud — we never run a database of your finances.
Encrypted local backups
Export an encrypted backup file any time, restore it on any device — no account needed.
Anonymous by default
Product analytics carry no name, email or device fingerprint — and you can switch them off entirely.
And the rest of the toolkit
Small details that add up
Multiple accounts
Cash, cards and wallets, auto-matched by the last 4 digits of your card.
Custom categories & rules
Teach Spendiqo your own merchants and it'll remember next time.
Activity timeline
A running log of every import, edit and change — so nothing's a mystery.
Savings goals & forecasts
See whether you're actually on pace, not just how much you've saved.
Bill reminders
Never miss a due date — reminders fire even when the app's closed.
Home Screen widgets
Spending limit and portfolio value, glanceable without opening the app.
Spendiqo Pro
Free covers daily tracking. Pro unlocks the power tools.
Free
$0
forever
- Unlimited manual expense tracking
- Investments & live prices
- Budgets, goals & widgets
- iCloud sync across your devices
Pro
$1.99/mo
or $14.99/yr · 7-day free trial
- Auto-import from bank SMS
- Custom categories & merchant rules
- Message templates & smart spam filter
- Encrypted backup & restore
Questions
Good to know
Does Spendiqo need my bank login?
Never. There's no bank API, no screen-scraping, no credentials of any kind. Auto-import reads the SMS notification your bank already sends you and parses it entirely on your device — the message itself never leaves your phone.
Where is my data actually stored?
On your device, synced through your own private iCloud account if you turn sync on. We don't operate a database of anyone's transactions — there's nothing on our servers to lose, leak or sell.
Which devices does it work on?
iPhone and iPad running iOS 18 or later, and Mac running macOS 15 or later — with one shared iCloud sync, so a transaction added on your phone shows up on your Mac instantly.
What exactly is in Spendiqo Pro?
The free tier covers everyday tracking — manual expenses, investments, budgets, goals and widgets, fully synced. Pro adds the automation layer: SMS auto-import, custom category rules, message templates, the spam filter, and encrypted backup/restore.
Is this a big company or a one-person app?
One developer, building the tracker they actually wanted to use. No investors, no growth targets, no dark patterns — just an app that has to earn your subscription by being useful.
Be first to know when Spendiqo launches
No spam, no newsletter funnel — just one email when it's live on the App Store.