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Effortlessly track your spending by speaking or photographing receipts. An AI coach analyzes your habits and provides insights, while customizable budgets and goal tracking help you manage your finances. Enjoy privacy with no sign-up required.
1.1.6
September 8, 2026
What's New – Insights — a new section in Statistics that reads your spending. When your budget runs out at this pace, where you spent most this month, which categories have climbed for months, and repeat payments that never got set up as recurring. Unlocks with PRO. – Category budget alerts — get told when a category limit like Food or Cafés passes 80% and 100%, not just your overall budget. – A switch for budget alerts — Notifications now has its own Budget row, separate from fixed expense reminders. – Duplicate detection — write down something a card text already recorded and Savvy asks first. It asks, it doesn't block. Improvements – Assets opens much faster. It now draws first and fills in prices after, instead of waiting for every quote. On weekends it keeps Friday's close instead of asking again. – Card text recording was rebuilt against real messages. It now reads the different wording each issuer uses — Samsung, Hyundai, KB, Shinhan, Hana, NH, Citi — including single-line formats and check card texts. – The setup guide has a new Sender step. Add your card company's number and the automation only runs on card texts, so the banner on every message goes away. – Backup and restore got safer. A failed restore can be rolled back, deleted data stays deleted, and backups made in the same moment no longer overwrite each other. – Fixed the bottom of the AI consent sheet being cut off. – Reopening the app reads your records faster still.
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Savvy allows you to log expenses by speaking them, photographing receipts which are read on-device, or by direct entry. It automatically categorizes transactions and dates them for you.
Savvy acts as an AI coach, answering questions like 'where did most of it go this month?' based on your recorded data. You get 3 free AI insights per day, with more available in Savvy PRO.
Yes, Savvy prioritizes privacy with no sign-up required and your ledger living on your device. Only AI-needed data is sent, and there is no tracking for targeted ads. You can optionally lock the app with Face ID, Touch ID, or passcode.
Savvy PRO offers an ad-free experience, up to 10 AI coaching insights per day, theme colors, and CSV export. It is available as a monthly, yearly subscription, or a one-time lifetime pass.
When splitting a bill, only your share counts towards your personal statistics, while the full amount remains on record. You can also generate thermal-receipt images of transactions to share.
Savvy helps you manage your finances with monthly budgets and alerts at 70/90/100% to prevent overspending. It also tracks assets and net worth, and offers a no-spend challenge to build good habits.
The latest version is 1.1.2, and the app was last updated on August 12, 2026. Updates typically include new features, bug fixes, and performance improvements.
The free version of Savvy contains non-personalized advertisements. To remove ads and access additional features, you can subscribe to Savvy PRO.