SavyitMoney guides
Straight answers to the questions people ask about tracking money: each one works with or without an app.
An expense tracker that doesn't need your bank login
Track spending without linking your bank: manual entry, statement imports, or an app that reads the payment alerts your bank already sends. How each works and what to check.
Read →How to track spending automatically, without typing every expense
Automatic expense tracking needs a feed of your transactions: a bank connection or the payment alerts on your phone. How to set it up in the US, UK, Australia, Canada, UAE, Singapore and India.
Read →How much can I spend until payday?
Take your balance, subtract bills due before payday and what you want to save, then divide by the days left. Worked examples in £, $, A$, C$, AED, S$ and ₹.
Read →Where does my money go every month?
If you earn enough but nothing's left by month-end, the leak is usually small, frequent spending. A 15-minute method to find it, and how to stop it coming back.
Read →Why you keep giving up on expense trackers (and what works instead)
Most people stop tracking within weeks because every purchase needs typing and the payoff is a chart. What sticks: automatic capture and one daily number.
Read →Why your tracker counts transfers between your own accounts as spending
Moving money between your own accounts shows up as a payment in one place and income in another, which doubles your spending. How to spot and exclude self-transfers.
Read →How to find subscriptions you've forgotten about
Search three months of transactions for the same amount on the same day each month, check app-store subscriptions, then total them for a year. A free method, plus a calculator.
Read →Paying the card with next month's salary: which month is that spending?
Count card purchases in the month you make them, not the month you pay the bill. Here's why, and how to stop next month's salary being spent before it arrives.
Read →How to split shared expenses with a partner or flatmates
Three fair ways to split: 50/50, by income, or by usage. How to track who paid what without a joint account, plus a free bill-split calculator.
Read →Spreadsheet, expense tracker app or AI assistant: which should you use?
A spreadsheet gives control, an app gives automation, an AI assistant gives explanations. Which suits you, and how to combine them without double work.
Read →The best private expense tracker: what 'private' should mean
A private expense tracker keeps transactions on your phone, needs no account and never connects to your bank. Five tests to check any app, and where Savyit fits.
Read →A Mint alternative that doesn't need your bank login
Mint closed in March 2024. The three kinds of replacement (bank sync, manual, alert-reading), who each suits, and a free option that needs no bank login.
Read →A Mint alternative for Canada that doesn't need bank syncing
Mint closed in March 2024 and Canadian bank syncing is often unreliable. Three kinds of replacement, and a free one that reads your bank's alerts instead.
Read →A UK budgeting app that doesn't need Open Banking
Open Banking apps need consent to read your accounts and re-approval when connections lapse. A UK alternative that reads your bank's payment notifications on your phone instead.
Read →An expense tracker for the UAE that reads your bank alerts
Track AED spending automatically from Emirates NBD, ADCB, FAB or Mashreq app notifications, with no bank login. Plus a salary budget and gratuity calculator.
Read →An expense tracker for Singapore without bank syncing
Track S$ spending automatically from DBS, OCBC or UOB app notifications instead of CSV exports or manual entry. Plus a CPF take-home calculator.
Read →Track all your UPI payments automatically
Every UPI payment triggers a bank SMS. An app that reads those SMS on your phone tracks Google Pay, PhonePe and Paytm spending across all your banks, with no bank login.
Read →An expense tracker that reads your bank SMS (no bank login)
Track spending from the debit SMS your bank already sends: HDFC, SBI, ICICI, Axis and more. Processed on your phone, never uploaded, with no bank password.
Read →Savyit facts
Savyit is a private Android money tracker that reads the payment alerts your bank already sends, on your phone, and tells you what you can spend today. No bank login, no account.
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