FIVAMO: Budget & Debt Tracker

FIVAMO is a free personal finance app for iPhone that brings income, fixed costs, debts and savings goals together in one place — no account, no ads, no subscription. All data stays on your device. FIVAMO requires no sign-up, connects to no bank, and collects no usage data. WHAT FIVAMO ANSWERS - How much money is actually left this month? - Where does my income go — fixed costs, savings or free to spend? - Who do I still owe, and by when? - When will I reach my savings goal at my current rate? YOUR COCKPIT - Income, fixed costs and savings rate at a glance - "Free to spend" — what's left after every commitment - A colour-coded cashflow bar shows instantly when you're over budget - Fixed costs grouped by category, with their share of your income SAVINGS GOALS - Track several goals at once - A visual progress ring for each goal - Set a monthly rate and a target date DEBTS WITH HISTORY - Instalment debts with repayment progress - Log individual payments with dates — the history stays traceable - Mark debts as settled and look them up later - Due and overdue items are highlighted - Filter by due date: overdue, within 7 days, within 30 days BUILT-IN CALCULATORS - Compound interest calculator with a chart across the full term - Gross-to-net salary calculator for German tax classes (available on German-language devices) YOUR DATA STAYS WITH YOU Everything is stored locally on your iPhone. No account, no tracking, no cloud. You export backups as a file yourself — you stay in full control. FIVAMO is made for people who simply want to understand their finances.