FIVAMO

FIVAMO is your overview of your personal finances.

YOUR COCKPIT

• Income, fixed costs and savings rate at a glance
• "Free to spend" — what's really left over
• Cashflow visualization
• Debts in view — what you owe others and what others owe you

SAVINGS GOALS

• Track multiple goals at once
• Visual progress ring
• Monthly savings rate per goal

DEBT MANAGEMENT

• Installment debts with repayment progress
• Who owes whom what
• Personal loans with dates

BUILT-IN CALCULATORS

• Compound interest calculator with a progress chart
• Gross-to-net salary calculator with German tax classes, income tax and social contributions (available on German-language devices)

YOUR DATA STAYS WITH YOU All data is stored exclusively on your iPhone. No account, no tracking. You stay in full control.

FIVAMO is made for people who simply want to understand their finances — no ads, no subscription.