Savern: Budget & Track Money

Stop Guessing. Start Knowing What’s Safe to Spend. Most money apps tell you where your money went after you spent it. Savern helps you decide what is safe to spend before it's gone. Your bank balance shows one total number, but it does not account for rent, upcoming bills, savings goals, debt payments, or emergency money. Savern gives you a clearer answer without connecting your bank, waiting for transactions to sync, or fixing broken connections. Freeflow — Your Real Safe-to-Spend Number Calculate what is genuinely safe to spend: your available balance minus money needed for upcoming bills, savings goals, and your safety cushion. Afford It — Check Before You Buy Enter a purchase before spending. Savern checks it against your available funds, upcoming bills, goals, and safety cushion, then gives you a clear result: • Ready Now • Save Over Time • Risky Bills and Subscriptions That Don’t Sneak Up on You Track upcoming bills and subscriptions in one place. Savern reminds you before due dates and keeps missed bills visible. A Debt Payoff Plan You Can See Track credit cards and loans, including balances and interest rates. See how extra payments shorten your payoff timeline. Private, Secure and Portable • No bank logins or account connections • Full offline functionality • 4-digit app lock • Scheduled local backups and export options Available in 28 Languages & 45 Currencies Localized for Arabic, Bengali, Danish, Dutch, English, French, German, Hebrew, Hindi, Indonesian, Italian, Japanese, Korean, Persian, Polish, Portuguese, Russian, Simplified Chinese, Spanish, Swahili, Swedish, Tagalog, Thai, Traditional Chinese, Turkish, Ukrainian, Urdu, and Vietnamese. Requires a monthly or annual subscription after the 7-day trial. Auto-renews unless canceled in Apple ID settings. Simple to start in about five minutes. Take control of your daily spending guidance without compromising privacy. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/