Savvy — AI Expense Tracker

If budgeting apps keep losing you by day three, it was never willpower — it was the typing. Savvy takes one line: "coffee 5000".

■ Say it, and it's filed · "lunch yesterday, kimchi stew, 9000" — Savvy sorts out the category, payment method and date for you · Photograph a receipt and your phone reads it on-device — no image leaves your hands · Dictate when your hands are busy, or log straight from the home screen, lock screen and Control Center

■ An AI coach for your spending · Ask "where did most of it go this month?" and get an answer grounded in your own records (3 free per day)

■ Your history, your way · Filter, sort and search to land on any transaction · Calendar heatmap — daily spending and income read as colour depth · Refunds cancel out the original expense, and your month can start on payday instead of the 1st

■ Split the bill, keep the truth · Only your share counts toward statistics — the full amount stays on the record · Turn one transaction or many into thermal-receipt images and share them anywhere

■ Budgets, assets, goals · Monthly budgets overall and per category, with alerts at 70/90/100% — brakes before you overshoot · Track accounts, cash, cards and other assets, and watch net worth move · Recurring income and expenses, with a heads-up the day before · No-spend challenge — build the habit one clean day at a time

■ Built to keep you going · Reminders that quietly skip the days you already logged · Scheduled local backups, and dark mode

■ Privacy by default · No sign-up, no account — there is nothing to create. Install and start · Your ledger lives on this device; only what AI needs to parse is sent · No tracking — we don't follow your activity for targeted ads (ads are non-personalised only) · Lock the app with Face ID, Touch ID or your passcode (free, only if you want it)

■ Savvy PRO · No ads · AI coaching up to 10 a day · Theme colours · CSV export

Records on your device, tidying by AI. From a loose spending diary to a careful household ledger — consistency is the whole game, and consistency needs ease. Start with the coffee you had today.

— Savvy PRO — Available as a monthly or yearly subscription (auto-renewing), or as a one-time lifetime pass. Subscriptions renew automatically unless cancelled at least 24 hours before the period ends, and can be managed or cancelled any time in App Store settings. See the in-app purchase screen and our Terms and Privacy Policy for details.