Savvy - Available balance

Savvy shows you what you can really spend, right now. Not your bank balance — which lies mid-month when rent, subscriptions and taxes haven't hit yet. Your true available — already factoring in everything that's coming. — THE IDEA — At the start of every month, Savvy deducts your income, recurring fixed costs and savings transfers. What's left — your available balance — then drops with every real spend. You always know how much you can spend without slipping. — FEATURES — • Available-balance dial: a precision instrument that compares your spending pace to how far through the month you are • Fast entry: three taps to log an expense • Per-category budgets: informational caps that don't pre-deduct from your available balance, but alert when you overshoot • Savings accounts: tracked with monthly transfers and interest projections • Carefully picked default categories (Housing, Food, Transport, Leisure…) • Dark mode, system fonts, maximum legibility • Optional Face ID lock • No account to create, no bank sync, no ads — SAVVY PREMIUM — For more, the Premium subscription adds: • Automatic Apple Pay payment capture • Provisions: monthly set-asides per bucket for big incoming costs (vacation, taxes, the unexpected) • Custom categories: rename, add, nest to fit your life €3.99 / month (7-day free trial), €27.99 / year (save 42%), or €49.99 lifetime "Savie". — PRIVACY-FIRST — Your data stays on your iPhone. Local SQLite. No Savvy backend, no analytics, no ad tracking. End-to-end encrypted iCloud backup is planned for the next version. — LEGAL — Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy policy: https://savvy-app.fr/en/legal/privacy