Everything your bank
should have built.
Eight tools that observe, predict, and act on your money — so you don't have to think about it every day.
Your money moves
before you open the app.
Set rules once — percentages or fixed amounts — and Savvy executes them the moment your salary lands. Rent, savings, investments, emergency fund: all moved automatically, in the right order.
- Works with any German bank account
- Percentage or fixed-amount rules
- Multiple income sources supported
- Every transfer confirmed in real time
Know what your money
is actually doing.
Savvy categorises every transaction automatically, tracks trends month over month, and tells you what's normal, what's creeping, and what to fix — before it becomes a habit.
- Automatic categorisation, no manual tagging
- Month-over-month trend tracking
- Savvy flags anomalies before they compound
- Real breakdown, not just a pie chart
Your financial agent,
always on.
Chat with an AI that knows every euro you earn and spend. Ask anything — will I make it to payday, where did my money go, how do I cut my tax bill — and get a real answer backed by your actual data.
- Knows your accounts, habits, and patterns
- Answers questions your bank never will
- Tax tips, savings opportunities, budget advice
- Available 24/7, never judges
Stop paying for things
you forgot about.
Savvy detects every recurring charge the moment it appears, flags price increases, and shows the annual cost of each subscription — the number that usually hurts. Then it drafts the cancellation letter.
- Every subscription detected automatically
- Price increases flagged immediately
- Annual cost shown for every service
- Auto-generated cancellation letters
Save for everything.
Automatically.
Create a named pot for every goal — summer trip, emergency fund, ETF buffer, new laptop — and fund it automatically from your Payday Plan. Savvy tracks progress and tells you exactly when you'll get there.
- Unlimited named savings pots
- Set a target amount and deadline
- Auto-funded every payday
- Progress tracking month by month
Send money home.
Keep more of it.
Compare rates from Wise, ACE, LemFi and more in one place — no switching apps, no hidden fees. Savvy shows you the best rate and the true cost before you send, and always tells you plainly when a rate is live versus an estimate.
- Real-time rates from Wise and ACE, clearly marked
- True cost including all fees shown upfront
- Optimised for Europe to Africa and Asia
- Save hundreds of euros per year
Your full financial picture,
one tap.
At the end of every month, generate a full PDF statement — income, expenses, net worth, category breakdown, and a complete itemised transaction list — in one tap. Shareable for visa applications, accountants, or just yourself.
- One-tap PDF export
- Income, expenses, net worth, and net saved
- Category breakdown and full itemised transactions
- Visa applications, accountants, and archives
Built for income that doesn't
arrive the same way twice.
Create and send invoices, track what's paid and what's overdue, set aside tax automatically from every payment, and see your real P&L — all without a separate accounting tool.
- Professional invoices with payment links
- Automatic tax set-aside from every invoice
- Real-time P&L dashboard
- Business expense tagging and deductions
Ready to try
all eight?
Join the early access list. We'll reach out when your spot is ready.
iOS · Android · Germany · Free during beta