# Saver: Budgeting for Beginners — Budgeting & Savings Program

> Beginner-friendly budgeting and savings program with a simple 3-step method. (iPhone/iPad app by Christmas Club Financial Incorporated.)

- Source: https://appshunter.io/ios/app/saver-budgeting-for-beginners/id1617734508 (this page in markdown: same URL + `.md`)
- Developer: [Christmas Club Financial Incorporated](https://appshunter.io/developer/1617734510)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 4.50/5 from 6 App Store ratings · 4 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 59 MB
- Languages: American English
- Released: 2022-11-30
- Data updated: 2026-06-10
- Monetization: subscription
- User reviews in markdown: https://appshunter.io/ios/app/saver-budgeting-for-beginners/id1617734508/reviews.md

## What is Saver?

What is Saver?
Saver is not just another budgeting app; it's a money management program that helps beginner budgeters become successful Savers!

Working directly with 100's of budgeters directly, we've found that beginner budgeters need 2 things to be successful:

1. A simple program that gives clear directions to make everyday budgeting decisions easy.
2. An user friendly experience that doesn't take hours to setup and manage. 

That's exactly what Saver does. No confusing rules. No complicated features. Just a simple & powerful budgeting approach for those that want to take control of their money in just a few minutes a week. 

Saver is able to keep your money simple and easy to manage because it's based on a 3 step program that we call the Saver money method. 

How does the Saver Money Method work?

The Saver money method is a simple 3-step budgeting approach that you repeat over and over again to take control of your money and make real financial progress. Here are the 3 steps:

1. Review your money everyday - Use Saver's 4 simple categories to categorize transactions understand where your money is going in just 1-2 minutes a day. 
2. Cover surprise expenses with cash - Use Saver’s buffer category to save up and keep $1,000 for surprise expenses. 
3. Get ahead of big upcoming expenses - Use the Savings goals category to set aside money for future expenses or pay down debt.

Repeat these 3 steps in the Saver app over and over again to manage expenses, build savings, and make real financial progress!

Visit: https://www.trysaver.app/ to learn more about the Saver money method before getting started. 

Simply start by linking your bank to Saver's user friendly app to track your transactions, categories and your progress.

What kind of results can I expect after using Saver?

Within 1 day, most users start to feel less stress about their money once they see it organized in categories and have a plan to make real financial progress. 
Within 1 month, most users understand where their money is going.
Within 2 months, most users can handle any surprise expense.
Within 3 months, most users have made built significant savings!

Here's what our users had to say:

"It's the only app I've found that's actually helped me learn to save money and meet my goals! I love it!" -Megan M

"I tried and failed budgeting so many times. Every app I used felt overwhelming and I was always behind. Saver's approach has made managing my money so easy. It's the first time I've been successful at budgeting" -Michelle T.

"Felt like surprise after surprise was racking up debt so fast. With Saver, I have less surprises and if something does happen, I have cash to cover! No more debt!" -Ivan K.

"I had no idea where my money was going. Tracking it daily with saver has really opened my eyes. For the first time, I feel like I'm getting ahead." - Sam R

Where do I start?

Download the Saver app and learn the Saver Money by visiting https://www.trysaver.app/method!  

Saver is the budgeting and savings app for beginners. Start your journey today!

Subscription Details:
- You can enjoy 30 days' free trial for your first subscription.
- Saver is a $9.99 monthly auto-renewable subscription, billed monthly.
- Your subscription will be charged to your iTunes account at confirmation of purchase and will automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period.
- Subscriptions automatically renew unless auto-renew is turned off at least 24-hours before the end of the current billing period. You can cancel your subscription from the iTunes Store/App Store. Upon cancellation, your subscription would be valid until the expiration date of your present order.


• Privacy policy: https://app.termly.io/document/privacy-policy/21837197-58d6-4e69-b82e-7da5032d6fb9
* terms of use: https://app.termly.io/document/terms-of-use-for-website/285b87a8-60f6-4190-805e-0d1c9721f399

## Key features

- Simple 3-step budgeting method
- Categorize daily transactions
- Build emergency fund buffer
- Set savings goals
- Track financial progress
- User-friendly interface

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly Subscription | $9.99 | per month |


## Recent user reviews (4 of 4)

All indexed reviews: https://appshunter.io/ios/app/saver-budgeting-for-beginners/id1617734508/reviews.md

### 5/5 — Easily saving money

*2024-01-30*

I’ve used other apps and stuff to try to save money and budget for things. This one is seriously my favorite. It’s easy to use and has a simple approach. Just plug in what you want to save for and go! My favorite is the buffer category. It’s to help in those times of need when you want to go for a credit card but you use the cash you saved for emergencies. Love it!

### 5/5 — From spender to Saver

*2024-01-08*

I had no idea where my money was going. Tracking it daily with Saver has really opened my eyes. For the first time, I feel like I’m getting ahead!

### 2/5 — Sign up is a pain, and presumptuous

*2023-01-03, version 1.0.3*

Saw on Reddit and thought I’d try it out. Poor onboarding flow. I want to see what budgeting features the app will allow me to do before I agree to link my checking account to anything.

**Developer response:** Update on the previous response: We have recently updated the app to better inform new members of the benefits and features of christmas club before starting the free 30-day trial. 

We're making progress and plan to make more to make the onboarding better for users. Thank you again for your feedback and we hope it's enough to improve your app store rating. Again we still have more progress ahead!

==========
Hi fellow redditor :), I understand that you'd like to know what you are getting before going through the commitment of linking your bank account. To be honest this is a tough one that we're trying to find the best approach for. So thank you for leaving this review!

Here's out perspective: 
We strongly believe that budgeting works best when it's simple and automatic, and linking a bank account is key to making that happen. When a new member links their checking account in onboarding, it enables us to create your categories, fund your categories and give you a walk through of how christmas club works with your real-time balances. And all of that in under a couple of minutes. 

Simple and automatic is a primary value of the christmas club app. 

Unfortunately, the value of the app is not the same without a linked bank account. Without a linked bank, creating a budget and tracking takes a lot more effort and a lot more time. 

However, If you are interested, we also have a free (printable & ipad friendly) workbook that you can download to start a budget using the christmas club method. Here is the link: 

https://www.getchristmasclub.com/budgeting-workbook

One last note: Linking your bank is safe and private. 

Safe: We'll never transfer money from your linked account. We partner with Plaid to only read balances and transactions. We can't touch your money.

Private: All transactions are encrypted, so we can't see what you're spending your money on, only you can. It's frankly none of our business. 

Thank you again. We welcome all feedback, and we hope that you give christmas club another shot. 

Also feel free to contact more about this at support@getchristmasclub.com or on our subreddit reddit.com/r/christmasclub

### 5/5 — The budgeting app that finally worked for me

*2022-12-04, version 1.0.1*

As a young professional trying to navigate the world of personal finance, I have tried my fair share of budgeting apps. I always start off with good intentions, diligently tracking my income and expenses, and setting up all my budget categories. But inevitably, I find myself overwhelmed by the sheer number of categories and the constant need to input every single transaction. It feels like a never-ending game of whack-a-mole, trying to keep all my spending under control.

Eventually, I give up on the app, telling myself that I just don't have the discipline to stick with a budget. But deep down, I know that it's not my lack of discipline that's the problem. It's the fact that these apps are too complicated and time-consuming to use on a daily basis.

That's why I was so excited to discover Christmas Club, an app that uses a different approach to budgeting called "working backwards budgeting.” Instead of focusing on cutting back spending or managing dozens of budget categories, you start by identifying what's important to you and creating a few categories to represent those priorities. Then, you fund those categories first every payday.

This simple, but powerful approach has been a game-changer for me. Instead of feeling overwhelmed by the constant need to input every transaction, I can focus on my priorities and make sure they are funded first. And because I'm not constantly trying to micromanage every penny I spend, it's much easier for me to say no to spending on things that aren't important to me.

In the past, I would have given up on a budgeting app by now, but with Christmas Club, I've been able to stick with it and see real progress in my financial goals. I've been able to regularly set and meet savings goals, build a three-month safety net, and even handle a surprise expense without feeling set back.

If you're like me and have struggled to stick with other budgeting apps, I highly recommend giving Christmas Club a try. The first 30 days are free, so you have nothing to lose. And with its user-friendly approach to budgeting, you may finally find the financial peace of mind you've been looking for.

## Frequently asked questions about Saver

### What is the Saver money method?

The Saver money method is a simple 3-step approach to personal finance. It involves reviewing your money daily, covering surprise expenses with cash, and getting ahead of big upcoming expenses through savings goals.

### How long does it take to see results with Saver?

Users typically start feeling less stress about their money within 1 day. Within 1 month, most users understand where their money is going, and within 2 months, they can handle surprise expenses.

### Does Saver have ads?

The provided data does not indicate the presence of advertisements within the Saver app.

### What are the subscription costs for Saver?

Saver offers a monthly subscription at $9.99 per month, with a 1-month free trial period available for new users.

### What devices is Saver available on?

Saver is available for iPhone and iPod devices, as indicated by the supported devices list.

### How often is Saver updated?

Saver was last updated on May 9, 2024, with version 1.0.23. This suggests regular updates to improve the application.

### Is Saver suitable for young users?

Saver has an age rating of 4+, making it suitable for a wide range of users, including younger individuals learning about finances.

### Can I link my bank account to Saver?

Yes, you can start by linking your bank to Saver's user-friendly app to track your transactions, categories, and progress.

## Version history (last 5 releases)

### 1.0.23 — 2024-05-09

Fixed a few bugs and made general improvements.

### 1.0.22 — 2024-02-27

Get started even faster with new onboarding updates!

### 1.0.21 — 2024-01-26

We've updated the app to make starting the Saver money program even easier!

### 1.0.20 — 2024-01-17

We made some fixes to the savings charts so you can better see how you money will add up in overtime!

### 1.0.19 — 2023-12-20

It's important to make adjustments when life happens, so we made it easier to move money from one category to another!

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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 2026-06-10.*