# FIVAMO: Budget & Debt Tracker — Savings, Bills & Spending

> Savings, Bills & Spending (iPhone/iPad app by Hanif Arouna.)

- Source: https://appshunter.io/ios/app/fivamo-budget-and-debt-tracker/id6763883069 (this page in markdown: same URL + `.md`)
- Developer: [Hanif Arouna](https://appshunter.io/developer/1895540953)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 15.1 · 25 MB
- Languages: American English, German (Germany)
- Released: 2026-06-28
- Data updated: 2026-10-24

## What is FIVAMO?

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.

## Is FIVAMO safe?

Not enough ratings yet to assess FIVAMO.

## Is FIVAMO legit?

FIVAMO: Budget & Debt Tracker has limited verification signals. The AppsHunter Legitimacy Score for FIVAMO is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 1.4.0 — 2026-10-10

More security, more polish: you can now lock FIVAMO with Face ID or Touch ID. All amounts display correctly again, entering numbers is more reliable, and lots of small things run smoother.

### 1.3.0 — 2026-09-26

FIVAMO has a fresh new look – and a few new tricks.

• New design: cleaner, clearer and made for your iPhone
• Compound interest calculator: see how your money grows over the years
• Savings goals on autopilot: choose when your monthly savings are added – FIVAMO takes care of the rest
• Plus lots of small improvements to make everything run smoother

Enjoy the update! We'd love to hear your feedback.

### 1.2.1 — 2026-08-06

- Debts can now be flagged — important items automatically move to the top
- New filter for flagged debts
- Larger, clearer logos in lists
- Various improvements to colours and contrast

### 1.2.0 — 2026-08-03

- Debts with payment history: log instalments with dates and mark them as settled
- New filter by due date — overdue items are highlighted
- Reworked light mode with better contrast
- Cleaner overview and a more compact debt list
- Fixes for amount entry

### 1.1.0 — 2026-06-28

- FIVAMO is now available worldwide
- English language support – the app automatically matches your device language
- Currency follows your region on first launch
- Compound interest calculator with a progress chart
- More reliable backup restore
- Various improvements and bug fixes

## Apps similar to FIVAMO

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Budget & Bill Planner: Spendra](https://appshunter.io/ios/app/budget-and-bill-planner-spendra/id6797268506) | — | Free | Finance |
| [Sumova - Money Manager](https://appshunter.io/ios/app/sumova-money-manager/id6788836198) | — | Free | Finance |
| [Fixi: Schulden App & KI-Coach](https://appshunter.io/ios/app/fixi-schulden-app-and-ki-coach/id6759470938) | — | Free | Finance |
| [Budgets Household Budget](https://appshunter.io/ios/app/budgets-household-budget/id6759112325) | — | Free | Finance |
| [budgetSum: Bills & Payments](https://appshunter.io/ios/app/budgetsum-bills-and-payments/id6759767689) | — | Free | Finance |
| [Budget Habit - Expense Tracker](https://appshunter.io/ios/app/budget-habit-expense-tracker/id6786065066) | — | Free | Finance |

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-24.*