Saver: Calm Money Planner

One number tells you every bill and goal is covered on time. No bank login, no account — your plan stays on your phone.

Saver answers one question: is everything covered?

Keep one dedicated account or envelope for bills and goals. Saver computes the exact amount it should hold today. If your pool matches that number, everything you planned is covered on time. If it holds more, the surplus is yours to use as you choose.

CAN I AFFORD IT? Before you commit to a car, a trip, or a subscription, add it and see the impact: the new required balance, the one-time top-up if needed, and how your payday deposits change. A yes/no with math, before you spend.

PAYDAY MADE SIMPLE When income arrives, Saver tells you how much to move into the pool. The rest is yours. On bill days it reminds you the money is already there.

REAL DATES, NOT AVERAGES Yearly insurance, quarterly taxes, a gym bill every second month — Saver plans on actual calendar dates, so the money is there when the bill lands, not "on average". If income arrives too late for a bill, it tells you exactly how much to move into the pool now.

PRIVATE BY DESIGN No bank login. No account. No tracking. Your plan lives on your phone — export it as JSON or CSV anytime.

— One-time and recurring income, bills, and goals — Daily, weekly, monthly, yearly or fully custom schedules — Impact preview before every change — Deposit and withdraw instructions when the plan moves — Group bills and see what each part of life costs — Payday and due-date reminders — Free. Supported by optional tips.

Terms of Use: https://calmsaver.app/terms/ Privacy Policy: https://calmsaver.app/privacy/