Savio - Budget & Money Coach

Struggling with financial anxiety? You're not alone — and Savio is built for exactly that.

Savio is an AI-powered budget app and expense tracker that goes beyond numbers. It's a personal money coach that helps you understand why you spend the way you do — and build a healthier relationship with money, one habit at a time.

💰 ALL YOUR MONEY IN ONE PLACE
See your full financial picture at a glance. Track bank accounts, e-wallets, credit cards, and investments across 11 currencies. Your dashboard shows net worth, daily spending pace, and what's due today — so you always know where you stand.

📊 BUDGETS THAT MAKE SENSE
Create daily, weekly, or monthly budgets across 40+ categories. Tag each budget with a personal value — survival, joy, obligation, or regret — to understand not just what you spend, but why. Real-time alerts keep you on track without the stress.

🎯 SAVINGS GOALS WITH A JOURNEY
Set goals your way: pick a target date and let Savio calculate your monthly amount, or set a monthly savings budget and watch the finish line appear. Every goal follows a 4-level journey — The Start, Momentum, The Grind, and The Victory — turning saving into progress you can feel.

🤖 AI FINANCIAL COACH — AVAILABLE 24/7
Talk to Savio, your AI-powered coach that actually understands your financial situation. Whether you need help budgeting, want advice on paying off debt, or just need someone to talk through a money decision — Savio listens, learns, and guides you with warmth.
• Context-aware coaching based on your real financial data
• Personalized insights on spending patterns and savings rate
• Gentle nudges when you overspend or hit a milestone
• Adapts its tone to your comfort level

📋 DEBT & LOAN TRACKING
Stay on top of credit cards, personal loans, and other liabilities. Track balances, due dates, and payments in one place. See your projected payoff date and celebrate every payment that brings you closer to freedom.

💡 SMART FINANCIAL INSIGHTS
Get AI-generated insights that go beyond charts. Savio analyzes your spending trends, budget adherence, savings rate, and category breakdown — then tells you what it means in plain language. Prioritized by what matters most right now.

🧠 BUILT ON BEHAVIORAL FINANCE
Most money manager apps show you charts. Savio helps you understand the behavior behind the numbers. Drawing from behavioral finance principles, Savio identifies patterns — lifestyle creep, emotional spending, the "next time" trap — and coaches you through them. Because lasting financial change starts with mindset, not just math.

🌅 DAILY CHECK-INS & HABITS
Start each day with a quick emotional check-in. How do you feel about your money today? Build consistency with 3 simple daily financial habits and watch your streak grow. Small steps, big change.

🔔 GENTLE REMINDERS, NOT SPAM
Savio sends thoughtful nudges — a spending check-in at 5 PM, a habit reminder at 8 PM, and milestone celebrations when you earn them. Smart enough to stay quiet when you've already checked in.

🌏 BUILT FOR SOUTHEAST ASIA
Support for banks and e-wallets across the Philippines, Singapore, Malaysia, Indonesia, and Thailand. 11 currencies. English and Tagalog. Whether you're saving in pesos or dollars, Savio speaks your language.

🔒 PRIVATE & SECURE
Your financial data stays yours. Firebase authentication, encrypted storage, and a privacy mode that hides all amounts when you're in public. No ads. No data selling. Ever.

✨ CHOOSE YOUR PLAN
• Free — Track accounts, budgets & goals with 5 daily AI chats
• Saver — More of everything + proactive AI nudges
• Pro — Unlimited access + advanced AI insights & analysis

Savio isn't just another budget app or expense tracker. It's a money coach that meets you where you are — whether you're anxious about money, excited to save, or just getting started. Download and build a better money mindset today!