Spenvo

Your bank already texts you every time you spend. Spenvo turns those texts into your expense list for you, after a one-time setup, and keeps everything on your iPhone. No typing. No bank login. Every expense tracker asks the same thing of you: open the app and type in what you just bought. Almost nobody keeps that up. The person who built Spenvo never lasted a week. Your bank, meanwhile, already sends the most honest record of your spending there is: a text the moment money leaves your account, with the merchant, the amount and the time. Spenvo is built around that text. HOW IT WORKS Spenvo can't read your messages by itself; iOS doesn't allow it. So you add a ready-made Shortcuts automation from inside the app and switch it on. That takes a minute, once. From then on every bank text is handed to Spenvo and filed as an expense. You do nothing. Spenvo knows a purchase from a refund, an incoming credit, a failed payment, a one-time passcode or a card-bill payment, and leaves those out. Only money that actually left your account is counted. Every message is read on your iPhone. Several banks in the UAE and India work on any iPhone. For other banks Spenvo uses Apple Intelligence, which needs an iPhone 15 Pro or later with it switched on. Banks that send app notifications instead of texts work through a notification automation. FOR EVERYTHING ELSE • Scan a receipt. Point the camera and Spenvo reads the merchant, the date and the total. The photo stays with the entry. • Tell Siri. Say "Add expense to Spenvo". Siri asks how much and where. • Type it in. For cash, or anything else. Merchant, amount, category, done. SEE WHERE IT WENT Reports opens on six months of spending, so the first thing you see is whether this month is unusual. Tap a month to break it down by category or merchant. Spend in more than one currency and each stays in its own; Spenvo has no exchange rates and won't invent them. NOTHING LEAVES YOUR IPHONE No account, no server, no analytics or ads, no third-party code. Your expenses and receipt photos are stored on your iPhone, not on any server of ours. We couldn't look at your spending if we tried. Export a CSV or a full backup whenever you like. Delete the app and the data goes with it. That also means no sync between devices. Your expenses live on the iPhone you log them on. FREE FOR 30 EXPENSES A MONTH That covers every way of adding an expense, and resets each calendar month. Premium removes the limit, as a yearly subscription or a one-time lifetime purchase. Your expenses, exports and backups always stay available, on the free plan too. Requires iOS 27 or later. iPhone only. Terms of Use (EULA): https://spenvo.app/terms Privacy Policy: https://spenvo.app/privacy