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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.
1.2.2
October 14, 2026
What’s New – Settlement details — View each participant’s payment status, amount, date and deposit account in the original expense detail. Mark payments as received or undo them there. – Points and pay money — Select points or pay money as the destination when recording income. – Participant management — Shared ledger creators can remove participants. Improvements – Asset amounts and history — Cash, checking accounts, points and pay money now use linked transactions to calculate their amounts. Existing amounts are preserved, and linked entries previously hidden by the tracking start date are shown. – Completed settlements — History keeps a completed status after all payments are received. Undoing a payment restores the pending status. – Settlement income — Payment details are grouped under the original expense instead of appearing as separate entries in the main history. They still count toward asset history and balances. – Entry authors — Shared entries retain their author information more reliably. – Widget wallet selection — Identify shared ledgers by name when choosing a widget wallet. – Asset management — Manage assets from the bottom of the list, with the duplicate Edit button removed.
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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.