# Savvy — AI Expense Tracker — Say it. Your budget updates.

> AI-powered expense tracker with voice input, receipt scanning, and financial coaching. (iPhone/iPad app by JinBae Jung.)

- Source: https://appshunter.io/ios/app/savvy-ai-expense-tracker/id6795720506 (this page in markdown: same URL + `.md`)
- Developer: [JinBae Jung](https://appshunter.io/developer/1892955366)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 45 MB
- Languages: Korean, American English
- Released: 2026-08-04
- Data updated: 2026-08-29
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/savvy-ai-expense-tracker/id6795720506/reviews.md

## What is Savvy?

If budgeting apps keep losing you by day three, it was never willpower — it was the typing. Savvy takes one line: "coffee 5000".

■ Say it, and it's filed
· "lunch yesterday, kimchi stew, 9000" — Savvy sorts out the category, payment method and date for you
· Photograph a receipt and your phone reads it on-device — no image leaves your hands
· Dictate when your hands are busy, or log straight from the home screen, lock screen and Control Center

■ An AI coach for your spending
· Ask "where did most of it go this month?" and get an answer grounded in your own records (3 free per day)

■ Your history, your way
· Filter, sort and search to land on any transaction
· Calendar heatmap — daily spending and income read as colour depth
· Refunds cancel out the original expense, and your month can start on payday instead of the 1st

■ Split the bill, keep the truth
· Only your share counts toward statistics — the full amount stays on the record
· Turn one transaction or many into thermal-receipt images and share them anywhere

■ Budgets, assets, goals
· Monthly budgets overall and per category, with alerts at 70/90/100% — brakes before you overshoot
· Track accounts, cash, cards and other assets, and watch net worth move
· Recurring income and expenses, with a heads-up the day before
· No-spend challenge — build the habit one clean day at a time

■ Built to keep you going
· Reminders that quietly skip the days you already logged
· Scheduled local backups, and dark mode

■ Privacy by default
· No sign-up, no account — there is nothing to create. Install and start
· Your ledger lives on this device; only what AI needs to parse is sent
· No tracking — we don't follow your activity for targeted ads (ads are non-personalised only)
· Lock the app with Face ID, Touch ID or your passcode (free, only if you want it)

■ Savvy PRO
· No ads · AI coaching up to 10 a day · Theme colours · CSV export

Records on your device, tidying by AI. From a loose spending diary to a careful household ledger — consistency is the whole game, and consistency needs ease. Start with the coffee you had today.

— Savvy PRO —
Available as a monthly or yearly subscription (auto-renewing), or as a one-time lifetime pass. Subscriptions renew automatically unless cancelled at least 24 hours before the period ends, and can be managed or cancelled any time in App Store settings. See the in-app purchase screen and our Terms and Privacy Policy for details.

## Key features

- Voice-activated expense logging
- On-device receipt scanning
- AI spending analysis and coaching
- Customizable budgets and goals
- Calendar heatmap for spending
- Split bill functionality
- Privacy-focused with no sign-up

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| 월 구독 | $0.99 | per month |
| 연 구독 | $8.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| 평생 이용권 | $17.99 | one-time |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/savvy-ai-expense-tracker/id6795720506/reviews.md

### 5/5 — 깔끔하고 좋아요!!👍

*2026-08-07*

착한 가계부 쓰다가 눈에 띄어서 설치했는데 입력도 편하고 분석도 잘 해줘서 좋네요! 오래오래 쓰고싶어요!!
잘쓰겠습니다~

## Frequently asked questions about Savvy

### How does Savvy track expenses?

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.

### What kind of AI insights does Savvy offer?

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.

### Is Savvy secure and private?

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.

### What features are included in Savvy PRO?

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.

### How does Savvy handle split bills?

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.

### Can Savvy help me save money?

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.

### How often is Savvy updated?

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.

### Does Savvy have ads?

The free version of Savvy contains non-personalized advertisements. To remove ads and access additional features, you can subscribe to Savvy PRO.

## Version history (last 5 releases)

### 1.1.3 — 2026-08-28

What’s New
– Multiple wallets — create up to 4 wallets in different currencies. Each wallet has its own balance, budget, recurring transactions, goals, notifications and widget, with a quick switcher at the top.
– Monthly report — turn a month’s spending into a shareable 4-page report card.
– This-month widget — see this month’s spending as a grid and weekly trend right on your Home Screen widget.
– Auto-record card texts — link your card issuer’s approval texts through Shortcuts and card charges get logged without opening the app. We walk you through setup on-screen.
– Card installments — log installment purchases split by payment, and see exactly how much lands on each month’s bill.
– Card balance tracking — turn it on and your unpaid card balance counts toward net worth, with upcoming payments shown on Home. You can also log payments you’ve made.
– Card details — see your billing history as a chart and pull up any month’s statement.

Improvements
– Card statement photos — capture one photo and we recognize multiple lines at once. Previously only one line was recognized per photo.
– Fixed the app freezing right after a PRO purchase.
– Older backups now restore reliably, and fixed an issue where the ledger could fail to open in certain situations.
– Transactions logged under a deleted category keep their original name. Previously the name could change.
– Save failures now show a clear message instead of a raw system error.
– Deleting an insurance policy or a recurring expense now asks for confirmation too.
– Cleaned up the AI consent wording to match exactly what’s sent.
– Fixed the bottom tab bar briefly not responding right after saving a transfer.

### 1.1.2 — 2026-08-12

What’s New
– No-spend widget — your streak and savings on the Home and Lock Screen. It keeps counting correctly even on days you don’t open the app.
– Pension payout — note the year yours starts and we’ll tell you how many years until you can use it.

Improvements
– Institutions — you can now record the bank and account number for checking accounts too. Previously this was only for investments, pensions and savings.

### 1.1.1 — 2026-08-11

What’s New
– No-spend savings — see what your clean days are worth, in won. It’s based on what you usually spend on a spending day, with fixed costs left out.
– Asset notes — jot down what an account is for. Notes stay on your device.
– Institutions — record which brokerage or bank holds your investments, pensions and savings, plus the account number. Once you’ve typed one, it’s a tap away next time.

Improvements
– Entry time — if you don’t mention a time, entries now use the moment you wrote them. They used to land at midnight.
– Asset editing — when saving is blocked, we now tell you which field is missing.

### 1.1.0 — 2026-08-10

What’s New
– Crypto assets — Add coins as assets and Savvy tracks your average cost and unrealized gains automatically. Reflected in your widget net worth and daily chart too.
– Loan tracking — Add a loan and get an automatic repayment schedule with interest. Pay it down in one tap via recurring transactions.
– Insurance policies — Track your insurance contracts and payment cycles under More ▸ Manage Ledger.
– Record via Share — Share from any app to log a transaction instantly.
– English support — The entire app is now available in English.

Improvements
– Analysis — Reorganized into sections with your summary up top. See monthly trends and spending by day of week.
– Transaction management — Select multiple entries to delete at once, with a 30-day undo window for anything removed by mistake.
– Asset categories — Split into Prepaid, Deposits, Investments, Pension, and Loans for clearer organization.
– Goals — Once achieved, a goal stays achieved.

### 1.0.0 — 2026-08-04

No release notes.

## More apps by JinBae Jung

- [Yeo-ro](https://appshunter.io/ios/app/yeo-ro/id6762110177)
- [Day-In](https://appshunter.io/ios/app/day-in/id6780700085)

All apps by JinBae Jung: https://appshunter.io/developer/1892955366

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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 2026-08-29.*