New
- Recurring bills are logged on their due day, from the account you pay them from — rent due on the 3rd no longer shows up, or counts against your budget, on the 1st. Bills logged early by the previous version are tidied up automatically, and past ones are put back on their account so balances are right
- Cancelling a subscription also removes its upcoming charge, and a bill you delete stays deleted
- Search filters redesigned — one row of filter pills for period, type, category, account, tag and amount, with Reset
- Card statement and due days can be any day up to the 31st, picked from a calendar
Fixes & improvements
- Topping up an “Other” holding, like a Payoneer balance, raises its value instead of showing a loss
- Transfer fees show their currency
- The Year Heatmap opens on this week, and Spending Summary loads faster
- Explore keeps its place when you switch tabs
New
- Smarter forecast — your month-end projection counts bills still to come, scheduled instalments and your usual daily spending, with a likely range. One-off big purchases no longer throw it off
- Possibly missing bills — if a bill you pay every month hasn’t been logged yet, Spendiqo points it out on Home and in Forecast. Add it in one tap, or mark it “Not this month”
- Cash Flow redesigned — follows your budget cycle, shows this cycle so far with where it’s heading, and keeps money you invest separate from spending
- Paid from an account — when you buy gold, top up an FD or add any investment, pick the account you paid from. The money comes out of that account’s balance without counting as spending, so budgets and cash flow stay accurate and your net worth doesn’t change
- Bills that repeat weekly, monthly, every 3 months or yearly — Bills & Subscriptions shows each bill’s next charge and what it costs per month
- A new over-budget Live Activity, and a cleaner, more consistent look across the app
- Auto-import setup for iOS 27, where automations now live inside shortcuts
Fixes & improvements
- Subscriptions from the same company, like two Adobe plans, show separately, each with its own next charge
- Weekly and Monthly on Home scroll properly
- Search totals no longer jump while you type
- Editing a transfer from its details screen opens the transfer editor
- Explore’s recurring total counts each bill once
Fixes & improvements
- Smooth scrolling everywhere — lists with swipe actions scroll normally again when you drag up or down on a row; swiping left still reveals Edit and Delete
- Fixed a crash that could happen just after settling an instalment plan early
- A card’s transactions stay visible after you settle or change a plan
New
- Card instalment plans — split a purchase into 2–60 monthly instalments when you add it, or convert an existing one. Like your bank, Spendiqo holds the full price on the card’s limit and releases it as you pay; settle early or cancel anytime
- Clearer credit cards — Limit, Available, your Balance payable with its due date, and Total outstanding; spending after the statement day goes on the next bill
- Upcoming screen — instalments and scheduled transactions grouped by month, from Recent or Explore
- Complete backups — encrypted backups and iCloud Sync now carry everything, including instalment plans, bill reminders, your Net Worth trend and achievements; the backup password is asked only when needed
- Better CSV — account and instalment columns, transfers stay transfers, and re-importing a file doesn’t duplicate it
- Swipe to edit or delete across the app, and Select All in Recent and Search
- Budget your way — budgets count each instalment when it’s billed, or the whole price with Count Instalments in Full
- A more accurate Safe to Spend Today, and calmer budget alerts — once at 80% and once at 100% each cycle
Fixes & improvements
- Restoring a backup no longer crashes the app or duplicates investment history
- Deleting several transactions shows the right count, and Undo brings back both sides of a transfer
- Confirmations are clear centred alerts that say exactly what will happen
- A card that owes nothing no longer shows “-LKR 0.00”; an account no longer opens on a month years ahead
- Delete All Data also clears the Net Worth trend and achievements
- VoiceOver reads the Pro badge once and announces transactions as buttons
New
- Multi-currency accounts — accounts in USD, GBP or any currency keep their balance in their own currency; expenses on them are entered in that currency and shown with the original amount
- Accurate totals across currencies — Total Balance and Net Worth convert every account and debt to your main currency
- Currency-aware editing — switching an expense to an account in another currency keeps its value (LKR 500 → US$1.51)
- Turn any expense into a transfer — choose Transfer when editing, with an optional transfer fee
- Bank message templates — new Transfer type, income categories for income templates, and the template's account is used for auto-import and Paste from Message
- New picker design — a clean single-line pill with a searchable list for accounts, categories, currencies and settings; long names no longer wrap or jump
- Debt payoff across currencies — Avalanche and Snowball compare and roll over payments at their real value
- Expense details show the account, transfer direction and a transfer reference
Fixes & improvements
- Account In / Out totals include transfers, so they add up to the balance
- Top Merchants groups “UBER” and “Uber” as one merchant
- A subscription charged today now shows as due next month
- Transactions at exactly midnight on a budget cycle’s first day are no longer counted twice
- From / To / fee rows no longer overlap in Add Expense; the calculator shows the account’s currency
New
- Account Transfers — transfers show a blue ⇄ icon with "Transfer In" / "Transfer Out" label; deleting one leg removes both automatically
- Search filters — filter by tag, date range, amount, and category; active filters shown as inline chips
- Learned categories — view and remove patterns Spendiqo learned from your past edits in Settings → Category Rules
Fixes & improvements
- Bank authorization messages ("Please use code X to approve") no longer logged as expenses
- SMS auto-import: transfer pairs now correctly linked so pair-delete works
- Tag filter in Search now shows all tags across all time, not just the current period
New
- Installment Plans — split any expense into multiple payments and track them automatically
- Credit Card Billing Cycle — set your statement date for accurate monthly summaries
- Exclude from Totals — mark transactions to leave out of budget calculations
- Debit Card account type with transfer fee tracking
- Gold Purity — specify karat (22K, 18K…) for gold investments; value updates instantly on save
- Cash Account Currency — assign a foreign currency to any cash account
- Bulk Edit in Search — select and edit multiple expenses directly from search results
- Calculator keyboard — type 100+200 or 50×3 directly in the amount field
Fixes & improvements
- Account balances now refresh live without restarting
- Credit card debt correctly factored into net worth
- Fixed crash when deleting expenses
- Fixed daily spending notifications showing wrong amounts
- Fixed investment values not refreshing immediately after editing
- Activity feed now shows a preview of the original bank message alongside each auto-imported expense
- Bulk edit in Recent expenses — select multiple rows and update category, account or notes in one go
- Fixed Deposit maturity notices are now filtered out and not treated as expenses
- Fixed Back Tap quick-add sheet persisting after backgrounding or re-launching the app
- SF Symbols 6 bounce animations on all tab bar icons
- Liquid Glass materials throughout the app on iOS 26
- Back Tap quick-add — double or triple tap the back of your iPhone to open the expense form instantly
- TipKit contextual tips guide you through key features the first time you reach them
- Configurable budget cycle start day (1–28) to match your pay cycle or card statement
- Recurring expenses are now logged to the Activity feed when they auto-materialise
- Search redesigned with smart filters — filter by date range, category, account and amount at once
- Redesigned dashboard with hero spending card, sparkline, and top-category breakdown
- Live Activity shows budget exceeded state on the Dynamic Island and Lock Screen
- Three new Home Screen widget sizes
- Auto-import from bank SMS — no login, no screen-scraping, fully on-device
- Manual expense tracking across unlimited accounts
- Monthly budgets, savings goals and spending forecasts
- Investment portfolio tracking with live prices
- iCloud sync across all your devices