Oat Budget vs Savvy

Oat Budget is a shared budgeting app made for couples. Connect with your partner and keep one budget together — who spent what, how much is left, and what you're saving toward, all on a single screen that updates in real time. And you don't have to plan alone. Oat Budget's AI sets up your month and looks back on it with you. PLAN THE MONTH WITH AI Tell it your income and fixed costs, and AI drafts realistic category limits and a savings goal for the month. Start from a template that fits you — tighten spending, save first, build an emergency fund, split into buckets, or set a daily allowance — then adjust anything you like. A MONTHLY REVIEW, WRITTEN FOR YOU When the month ends, AI reads your spending and tells the story: where the money went, what changed from last month, and what you did well. Pick from four tones so it sounds the way you like to hear it. SEE YOUR MONEY CLEARLY • Income, expenses, and remaining budget at a glance • How much you two can spend today • Category limits with live progress bars • Donut breakdowns and month-over-month comparisons • A calendar view of every day's spending BUILT FOR TWO • Invite your partner with a code — one budget you both share • When one of you logs an expense, the other sees it instantly • See who spent what, side by side LESS TYPING • Snap a receipt and let it fill in the amount • Recurring income and expenses post on their own • Quick category and memo suggestions as you go Start on your own if you like, then invite your partner when you're ready. Free to use, in your local currency. Designed for iPhone (iOS 26 and later). --- ## What's New (version 1.2.0 release notes — limit 4000) Oat Budget is now available worldwide. • Full English support • Your local currency, everywhere in the app • New monthly-plan templates to help you get started Thanks for budgeting with us. Questions or ideas? support@oatbudget.com

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 use the advertising identifier (IDFA), and we never ask for tracking permission (ATT) · 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.