Many budget apps want the same thing on day one: your online banking username and password. Once you hand them over, the app keeps reaching into your accounts for as long as you use it. If that's where you hit the brakes, you're not stuck with a spreadsheet.
Spentio works from the statement your bank already gives you. You upload it, every transaction lands in its category, and your budgets work out what's left. No login, no linking, nothing to babysit. Here's how to set it up.
Set up your budget in four steps
1. Upload a few months of statements
Download a statement from your bank's website or app and upload it as a PDF, or upload a screenshot or a photo of your banking app. Magic Import, our AI, reads every transaction and sorts it into a category, whether you bank with Chase, Bank of America, Wells Fargo or a local credit union. Two or three months give the next steps real numbers to start from.
2. Pick what to keep an eye on
Go to Planning › Budgets, choose +, then Budget. Suggestions based on your own spending are right at the top. You can budget a whole category, like everything you spend on food, or just one part of it, like takeout.
3. Choose how often it resets
Monthly starts over on the 1st. Yearly is one limit for the whole year, a good fit for things you don't buy every month, like clothes or gifts. Between dates runs for dates you pick, like a vacation or the holidays.
Spentio fills in the amount based on what you usually spend in that category. Keep it or type your own. For a category with no spending yet, you set the limit yourself.
4. Keep fixed bills in Recurring
Rent, your car payment and your phone bill don't need a budget. You already know what they cost. Add them under Planning › Recurring and they won't count toward any budget, so your budgets only watch what actually moves: groceries, eating out, gas.
What you see after that
Your budgets open on what's left this month. Each monthly budget turns that into a weekly number, like "$110 a week", so you know what this week's grocery run can come to. If you're spending faster than that, it shows roughly when you'll run out. A yearly budget shows how much of the limit you've used next to how much of the year is gone.
Tap a budget to open its page: this month day by day, with your latest purchases right below. Switch to a longer stretch and it tells you in how many months you went over. Spentio lets you know when you hit the level you picked, and again when the limit is used up.
A few months in, if a limit doesn't fit your life anymore, Spentio suggests raising or lowering it in Control. One tap, and you can undo it.
Your bank login stays yours
Linking a bank gives an app ongoing access to your accounts, like handing over a copy of your master key. Spentio doesn't need a key at all. It reads the statement you choose to upload, and nothing else. Your budget updates when you decide: a statement once a month, read in about a minute. Pay with Apple Pay and the purchase shows up the moment you pay, no statement needed.
Get started
Setting up a budget in Spentio takes a few minutes, and every statement you upload after that brings it up to date. The step-by-step guide walks through every tap.
Start free, no credit card needed.