# Sève: Paycheck Budget Planner — Safe to Spend Until Payday

> Daily budget planner with safe-to-spend number and habit-building financial plan. (iPhone/iPad app by Ahcene Bensalama.)

- Source: https://appshunter.io/ios/app/seve-paycheck-budget-planner/id6795265423 (this page in markdown: same URL + `.md`)
- Developer: [Ahcene Bensalama](https://appshunter.io/developer/1878410010)
- Category: Finance, Education
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 66 MB
- Languages: Australian English, Arabic, Bangla, Bulgarian, Catalan, Croatian, Czech, Danish, Dutch, Estonian and 40 more
- Released: 2026-08-14
- Data updated: 2026-11-06
- Monetization: subscription
- User reviews in markdown: https://appshunter.io/ios/app/seve-paycheck-budget-planner/id6795265423/reviews.md

## What is Sève?

There's $1,200 in your account. But rent hasn't gone out yet, and neither has your phone bill or your electric bill. So how much can you actually spend today?

Sève answers that question every morning, with a single number. Stay under it, and your month goes by without stress.

WHAT SÈVE DOES FOR YOU

• Your safe-to-spend number for today, computed after rent, bills and savings.
• Your three envelopes: half for what must be paid, 30% for treating yourself, 20% set aside for you.
• On payday, you pay yourself first. Whatever's left, you can spend with a clear head.
• Logging an expense takes three seconds. Your subscriptions are deducted automatically each month.
• Your budget stays on your phone. No bank connection, no account to create — your numbers are never sent anywhere.

THE 66-DAY PLAN

Researchers at University College London measured how long it takes for a new behavior to become automatic: 66 days on average. Sève's plan is built on it.

One card a day. Two minutes. One concrete action to take that same day.

• Day 1: you finally see where your money goes.
• Day 33: you set money aside without thinking about it.
• Day 66: your money starts working for you.

No jargon, no lectures. Plain sentences, situations you actually live, and diagrams you read at a glance.

SÈVE+ ALSO INCLUDES

• Every expense logged, no limits, with the full journal and this month's envelopes.
• The subscription radar: what each subscription really costs you per year, so the forgotten ones stand out.
• The Investing Path: a simulator that shows what your savings become over time — and what waiting costs you.

Seven days free to try everything before you decide. Cancel anytime in two taps.

SÈVE IS FOR YOU IF YOU WANT TO

• Track your expenses daily, without giving up your evenings.
• Manage your monthly budget: what comes in, what goes out, what's left.
• Set money aside every month, even a little, even irregularly.
• Run a budget as a couple or a family, on separate accounts.
• Know where your money goes, category by category, groceries included.
• Save on subscriptions and recurring bills.
• Keep a simple expense log, with an envelope for each category.

WHO IS IT FOR?

For people who stopped opening their banking app because it stresses them out. For people who earn a decent living and still end the month in the red. For people who want to save without a spreadsheet, a course, or giving up their evenings.

Sève. French for “sap” — the energy that makes things grow.

Sève requires the Sève+ subscription, monthly or yearly, with a seven-day free trial for new subscribers. The price is shown in the app, in your currency, before any payment. It renews automatically unless canceled at least 24 hours before the end of the current period.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://sevebudget.pages.dev/privacy

## Key features

- Daily safe-to-spend number
- Three-envelope budgeting system
- Automated subscription deduction
- 66-day habit-building plan
- Subscription radar
- Investment simulator

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Sève+ annuel | $29.99 | per year |
| Sève+ Monthly | $14.99 | per month |
| Sève+ Yearly | $35.99 | per year |
| Sève+ Yearly | $14.99 | per year |
| Sève+ Weekly | $1.49 | per 7 days |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Sève+ À vie | $49.99 | one-time |


## Is Sève safe?

Not enough ratings yet to assess Sève.

## Is Sève legit?

Sève: Paycheck Budget Planner has limited verification signals. The AppsHunter Legitimacy Score for Sève is 58 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/seve-paycheck-budget-planner/id6795265423/reviews.md

### 5/5 — Super application simple d’utilisation !

*2026-08-22*

Le genre d’app clair et facile à utiliser, qui permet de mieux gérer son budget au quotidien ! Hâte du développement de l’application, notamment ajouter des fonctionnalités pour mieux attribuer chaque dépense automatiquement et plus précisément

### 5/5 — Une app simple et utile

*2026-08-14*

Je laisse rarement des avis mais là je me suis dit que ça valait le coup. J'ai téléchargé Sève sans trop d’espoirs, après avoir testé pas mal d'applis de budget que j'abandonnais toutes au bout de deux semaines. Trop de réglages, trop de graphiques, trop de trucs à remplir. Celle-là, j'ai failli la désinstaller aussi les premiers jours, et puis en fait non, justement parce qu'elle ne demande presque rien.

Concrètement, ce qui a changé pour moi : avant, j'arrivais autour du 20 du mois en me demandant où était passé mon salaire, et je n'osais même pas ouvrir mon appli bancaire. Maintenant je note mes dépenses en quelques secondes, souvent en sortant du magasin, et je sais en un coup d'œil ce qu'il me reste pour finir le mois. Ça paraît bête dit comme ça, mais c'est la première fois qu'une appli ne me donne pas l'impression de faire ma comptabilité. Le mois dernier j'ai mis 150 € de côté sans vraiment me priver, juste parce que je voyais où partait l'argent au lieu de le découvrir après coup.

Petit bémol quand même, j'aimerais pouvoir brancher mon compte épargne, j'espère que ça viendra dans une mise à jour. Mais franchement, pour une fois qu'une appli fait une chose et la fait bien, je garde. Ça change des tableaux Excel et les applis usine à gaz vous ont dégoûté du suivi de budget.

## Frequently asked questions about Sève

### What is Sève's safe-to-spend number?

Sève calculates a daily safe-to-spend number for you each morning. This number is determined after accounting for your rent, bills, and savings, ensuring you know exactly how much you can comfortably spend that day without impacting your essential payments.

### How does Sève help build financial habits?

Sève utilizes a 66-day plan, based on research that suggests this is the average time to form a new habit. Each day involves a small, concrete action related to your finances, gradually helping you to see where your money goes, set money aside, and make your money work for you.

### What are the Sève+ subscription plans?

Sève offers multiple subscription plans including Weekly, Monthly, and Yearly options. Some plans offer a 7-day free trial, while others offer a 1-month free trial. Prices vary, with options like $1.49/week, $14.99/month, and $29.99/year available.

### Can I use Sève for joint budgeting?

Yes, Sève is designed to support budgeting as a couple or family, even on separate accounts. This feature allows multiple users to manage their finances together within the app's framework.

### Does Sève require a bank connection?

No, Sève does not require any bank connection or account creation. Your financial numbers are kept private on your phone and are never sent anywhere, ensuring your data remains secure.

### How do I cancel my Sève+ subscription?

You can cancel your Sève+ subscription anytime in two taps directly within the app. Cancellations must be made at least 24 hours before the end of the current billing period to avoid automatic renewal.

### What is the 'Subscription Radar' feature?

The Subscription Radar feature in Sève+ helps you identify the true annual cost of each of your subscriptions. This makes it easier to spot forgotten or underutilized subscriptions and potentially save money.

### Is Sève suitable for beginners in finance?

Yes, Sève is designed for people who want to manage their budget without jargon or lectures. It uses plain sentences and relatable situations to guide users through tracking expenses, setting money aside, and understanding their finances.

## Version history (last 5 releases)

### 1.22 — 2026-11-05

Minor bug fixes.

### 1.20 — 2026-11-02

Minor bug fixes.

### 1.19 — 2026-10-27

Minor bug fixes.

### 1.18 — 2026-10-20

Widget update.

### 1.17 — 2026-10-17

Minor bug fixes.

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## More apps by Ahcene Bensalama

- [Saison: In Season Food Guide](https://appshunter.io/ios/app/saison-in-season-food-guide/id6766276381)

All apps by Ahcene Bensalama: https://appshunter.io/developer/1878410010

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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 2026-11-06.*