Everything Savingy does, plainly
Track what you spend in seconds, plan the month, clear what you owe and see what you kept — without linking a bank.
Today, Ask and Money
Today opens with one planning figure: roughly what you can spend today and still finish the month on plan, with the arithmetic one tap away. Ask answers questions in plain words — “Can I afford this?”, “What changed since last month?” — from your own records. Money is the whole month on one page: the entry bar, your ledger, your plan, goals and upcoming bills.
- Every figure says where it came from; nothing is a guess dressed up as a fact.
- Consequential saves from Ask, like setting money aside for a goal, need a deliberate press-and-hold, so nothing is saved by accident.
- Switch between several accounts — a salary account, a card, cash — or see them all together.
Logging that keeps up with you
Most people stop tracking because it is tedious. Savingy is built to take seconds: one typed line, a repeat chip for the things you buy every week, or a bank statement you import and review line by line.
- Say it in one line — amount, category and payment method are read for you to check.
- Import a PDF, CSV or Excel statement; uncertain lines are reviewed one at a time.
- Missed a few weeks? Fill in past months from memory in five short steps.
Plan the month, then live it
Plan shows what there is to spend this month, how it is split, and every group spent against what you planned. Describe your month in one sentence and a plan builds itself, or set it up step by step.
- Goals show the date you will reach them at your current pace, and whether you can afford something now.
- Bills you already pay are spotted in your history and become reminders in one tap.
- The Weekly Reset turns your week into a one-minute story and a three-step checklist.
Loans & cards: a date you can be debt-free by
Home, car, education and personal loans, credit cards, gold loans, pay-later and no-cost EMIs, medical bills, money from family — add each once from a tile or a single line. Savingy works out when you will be debt-free, what share of your income EMIs take, and the fastest honest way out.
- Compare clearing the costliest loan first with clearing the smallest first, and see what an extra amount each month buys.
- See the real cost of paying only a card’s minimum due, and what a lump-sum prepayment saves.
- Mark each month paid in one tap and get a reminder on the day an EMI is due.
Pro: Moves, Ahead and Statement
Pro answers three questions. Moves: what can I change, ranked by what it is worth, with each change tracked until the month closes. Ahead: what is coming — bills in the next 30 days, price rises and duplicate charges. Statement: what did it add up to — a monthly receipt of what was kept.
- Savings are only called “kept” after the month closes and the figures check out.
- A free 45-day trial opens after 30 real entries, with the first thing Pro notices; access is fixed-term and never renews on its own.
- See the Pricing page for plans and exactly what each one includes.
Your data stays yours
Your records are scoped to your account and protected by signed-in sessions. You can download a ZIP backup of your supported data at any time, and ask for your account to be deleted from the Delete data page.
- No bank credentials, card numbers or loan account numbers are ever asked for.
- Analytics are off until you agree, and session replays mask every typed value.
- Read how the product protects your data on the Security & trust page.
Savingy is a planning and tracking tool. It does not move money, lend, or give investment advice.
Start saving with Savingy
Free to start · No bank link · Set up in about two minutes.