# Savyit

> Savyit is a private expense tracker for Android. It reads payment alerts from your banking apps (and bank SMS in India) on your phone, sorts each spend into a category, and shows what you can safely spend today. No bank login, no account, no cloud processing of your transactions.

## Facts
- Platform: Android, on Google Play: https://play.google.com/store/apps/details?id=com.moneylens.money_lens
- Price: free to start. Savyit Pro from $2.99 a month, or pay once with Lifetime. No account needed to buy.
- How it reads spending: with notification access it reads new payment alerts from banking apps such as Chase, Bank of America, Capital One, Amex, Monzo, Revolut and Wise. In India it can also read bank and UPI SMS.
- Privacy: alert text is read on the phone. It is never sent to Savyit's servers or to any AI service. No ads, no data selling.
- Features: daily spending pace, monthly plan, credit card due dates and reminders, subscriptions and recurring bills, loans and EMIs, category limits, spending stats, on-phone assistant "Buddy", home screen widget, voice and quick text entry, optional bill splitting with friends.
- Currencies: $, £, €, ₹, AED, S$, A$, C$ and more.

## What Savyit does not do
No iPhone app, no bank sync or Open Banking, no CSV import, no investment tracking by connection.

## Guides (answers to common questions)
- [An expense tracker that doesn't need your bank login](https://savyit.pages.dev/guides/expense-tracker-without-bank-login): Yes, you can track spending without giving an app your bank login. There are three ways: type expenses in yourself, import your bank statements into a spreadsheet, or use an app that reads the payment alerts your bank already sends to your phone. The third is automatic, and your bank details never leave your phone.
- [How to track spending automatically, without typing every expense](https://savyit.pages.dev/guides/track-spending-automatically): To track spending automatically you need a feed of your transactions, so you never type them in. There are two feeds: a bank connection, or the payment alerts your bank already sends your phone. Alerts are faster, since they arrive seconds after you pay, and you don't have to share bank access.
- [How much can I spend until payday?](https://savyit.pages.dev/guides/how-much-can-i-spend-until-payday): Take what's in your account, subtract the bills that leave before payday and what you want to save, then divide by the days until you're paid. That's your safe daily spend. For example, £1,240 with £410 of direct debits, £100 to save and 12 days to go is about £60.83 a day.
- [Where does my money go every month?](https://savyit.pages.dev/guides/where-does-my-money-go): When a decent salary keeps disappearing, it's rarely one big bill. It's usually small, frequent payments (food delivery, coffee, rides, subscriptions) that never feel like spending. Add up last month by category and count how many payments were under 20 in your currency. That number is usually the answer.
- [Why you keep giving up on expense trackers (and what works instead)](https://savyit.pages.dev/guides/why-people-quit-expense-trackers): Most people quit expense trackers within a few weeks for two reasons: every purchase has to be typed, and the reward is a chart you check once a month. What sticks is the opposite. Transactions arrive on their own, and you get one number a day that tells you whether you're fine.
- [Why your tracker counts transfers between your own accounts as spending](https://savyit.pages.dev/guides/transfers-counted-as-spending): When you move money from one of your accounts to another, one alert says money left and another says money arrived. A tracker that reads them separately counts the move as spending and as income, which inflates both. The fix is to pair the two (same amount, close in time, your own accounts) and leave both out of your totals.
- [How to find subscriptions you've forgotten about](https://savyit.pages.dev/guides/find-forgotten-subscriptions): Look through the last three months of transactions for the same amount on roughly the same date each month. Then check the subscriptions lists in Google Play and the App Store, where many hide. Add them up for a year. The yearly total is what makes people cancel.
- [Paying the card with next month's salary: which month is that spending?](https://savyit.pages.dev/guides/credit-card-spending-which-month): Count every card purchase in the month you make it, not the month you pay the bill. The bill payment itself is just moving money. If you budget by bill date instead, this month always looks cheaper than it was, and next month's salary is spent before it lands.
- [How to split shared expenses with a partner or flatmates](https://savyit.pages.dev/guides/split-shared-expenses): Pick a rule first: 50/50, in proportion to income, or by who uses what. Then keep one running list of who paid and settle up once a month instead of after every bill. You don't need a joint account, just one shared record.
- [Spreadsheet, expense tracker app or AI assistant: which should you use?](https://savyit.pages.dev/guides/spreadsheet-vs-expense-tracker-app): Use a spreadsheet if you enjoy a monthly review and want full control. Use an app if you want transactions captured for you and a number to check daily. Use an AI assistant to explain patterns in data you already have. Many people combine them: an app captures, a spreadsheet reviews, AI explains.
- [The best private expense tracker: what 'private' should mean](https://savyit.pages.dev/best-private-expense-tracker): A truly private expense tracker passes five tests: your transactions stay on your phone, you don't need an account, it never asks for your bank login, it has no ads or data selling, and you can export everything. Most popular budgeting apps fail at least two, because they sync your bank to their servers.
- [A Mint alternative that doesn't need your bank login](https://savyit.pages.dev/us/mint-alternative): Mint shut down on March 23, 2024, and Intuit moved users to Credit Karma, which doesn't have Mint's budgets. Replacements fall into three kinds: bank-sync budgeting apps (closest to Mint, usually paid), manual apps and spreadsheets, and apps that read your bank's payment alerts on your phone. Pick based on whether you want to connect your bank at all.
- [A Mint alternative for Canada that doesn't need bank syncing](https://savyit.pages.dev/ca/mint-alternative): Mint closed on March 23, 2024. In Canada, the hard part of replacing it is bank syncing, which is patchy across institutions. Your options are a bank-sync app (check every bank you use is supported), a manual app or spreadsheet, or an app that reads the payment alerts your bank already sends to your phone, which works with any bank that sends alerts.
- [A UK budgeting app that doesn't need Open Banking](https://savyit.pages.dev/uk/budgeting-app-without-open-banking): Most UK budgeting apps connect through Open Banking. It's regulated and secure, but it gives the app ongoing access to your transactions, and connections need re-approving from time to time. If you'd rather not connect at all, you can track from your bank's own payment notifications, which Monzo, Revolut and most UK banks send for every card payment.
- [An expense tracker for the UAE that reads your bank alerts](https://savyit.pages.dev/ae/expense-tracker-uae): In the UAE, the easiest way to track spending automatically is from the transaction alerts your bank's app already sends for every card payment. An app that reads those alerts on your phone sorts each AED spend into a category, with no bank login and no account.
- [An expense tracker for Singapore without bank syncing](https://savyit.pages.dev/sg/expense-tracker-singapore): Many people in Singapore track spending with CSV exports and spreadsheets, because few apps connect to local banks. An easier route is the transaction notifications DBS, OCBC, UOB and other banks' apps send for every card payment. An app that reads them on your phone tracks S$ spending automatically, with no bank login.
- [Track all your UPI payments automatically](https://savyit.pages.dev/in/upi-expense-tracker): Every UPI payment, whether from Google Pay, PhonePe, Paytm or your bank's app, triggers a debit SMS from your bank. An expense tracker that reads those SMS on your phone captures every UPI payment across all your bank accounts automatically, without your banking password.
- [An expense tracker that reads your bank SMS (no bank login)](https://savyit.pages.dev/in/expense-tracker-that-reads-bank-sms): Your bank already sends an SMS for every debit: UPI, card, ATM and auto-debits. An expense tracker that reads those SMS on your phone builds your spending automatically, across all your banks, without your banking password. The key question is whether the SMS stays on your phone or gets uploaded.
- [Savyit facts](https://savyit.pages.dev/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.

## Common questions
- Q: Which expense tracker works without a bank login?
  A: Savyit reads the payment alerts your bank already sends to your Android phone, so it never needs your bank login or an account.
- Q: Is there an app that shows how much I can spend today?
  A: Savyit shows a daily safe-to-spend number, updated from your bank's payment alerts as you spend.
- Q: Does Savyit work outside India?
  A: Yes: US, UK, Canada, Australia, UAE, Singapore and Europe, via banking-app notifications. In India it also reads bank SMS and UPI alerts.
- Q: Is Savyit on iPhone?
  A: No, Android only.

## Free tools
- [Credit card payoff](https://savyit.pages.dev/tools/credit-card-payoff-calculator): Your debt-free date, total interest, and the real cost of paying the minimum.
- [Hourly to salary](https://savyit.pages.dev/tools/hourly-to-salary-calculator): Hourly rate to yearly, monthly and weekly pay, or the other way round.
- [Daily spending](https://savyit.pages.dev/tools/daily-spending-calculator): How much you can spend today and still end the month on plan.
- [50/30/20 budget](https://savyit.pages.dev/tools/50-30-20-budget-calculator): Split take-home pay into needs, wants and savings, down to fun money per day.
- [Subscription cost](https://savyit.pages.dev/tools/subscription-cost-calculator): Every subscription added up per year, printed as a receipt you can share.
- [Split a bill](https://savyit.pages.dev/tools/split-bill-calculator): What each person pays, tip included, rounded or exact.
- [UK salary calculator](https://savyit.pages.dev/uk/salary-calculator): Take-home after Income Tax, NI, student loan and pension, 2026/27.
- [UK pro rata salary](https://savyit.pages.dev/uk/pro-rata-salary-calculator): Part-time pay from a full-time salary, before and after tax, 2026/27.
- [US paycheck calculator](https://savyit.pages.dev/us/paycheck-calculator): Take-home after federal and state tax, by state, 2026.
- [Australia pay calculator](https://savyit.pages.dev/au/pay-calculator): Take-home after tax and Medicare, 2026–27.
- [Canada take-home pay](https://savyit.pages.dev/ca/take-home-pay-calculator): After federal and provincial tax, CPP and EI, 2026.
- [Singapore take-home pay](https://savyit.pages.dev/sg/take-home-pay-calculator): After CPF, with income tax to set aside, 2026.
- [India in-hand salary](https://savyit.pages.dev/in/salary-calculator): CTC to monthly in-hand under the new tax regime, FY 2026-27.
- [UAE salary budget](https://savyit.pages.dev/ae/salary-budget-calculator): No income tax: split your AED salary into rent, savings and daily spend.
- [UAE gratuity calculator](https://savyit.pages.dev/ae/gratuity-calculator): End-of-service pay: 21 days a year for 5 years, 30 after, 2026 rules.

## Links
- [Privacy policy](https://savyit.pages.dev/privacy-policy)
- [Contact](https://savyit.pages.dev/contact): support@savyit.app