Bill coming up1 of 3
Broadband is due in 4 days
Expected ₹999. Log it when it's paid and it leaves this list.
The new Savingy · Today, Ask & Money
Know what you can spend today.Ask before you buy.
Savingy turns the expenses you log into one daily figure, a runway to month end and a straight answer to “can I afford it?”, with the maths on show. No bank linking.
- Free forever plan
- No card required
- No bank linking
Safe-to-Spend Today
₹1,257
Sample figureSee it work
Today tells you. Ask helps you decide. Money keeps it all on one page.
These are working samples with illustrative figures. They run the same calculation as the app, and nothing you do here is saved.
01 · Today
One number for the day, with the maths on show.
Open Savingy and the first thing you see is what you can spend today. Tap it and the arithmetic opens: what you started with, what came in, what has gone out, and the days left.
- Bills between now and month end, on one runway
- Up to three decisions prepared from your own records
- A planning estimate, never presented as a bank balance
Sample figures · nothing is saved
Safe-to-Spend Today
₹1,257
Left ₹28,900Pace ₹850/dayBills ahead ₹2,399
Two minutes a day
Log it. Glance. Decide.
Log it the way you say it
Type a spend in plain words. Savingy matches it to your own plan and asks only when it is unsure.
kal petrol 500 cashGlance at Today
One figure for the day, the bills still to come and the few things worth a decision.
Safe-to-Spend TodayAsk before you spend
See what a purchase does to your month, today or next month, and save the plan with a hold.
Can I afford 8,000 for a trip?
Honest by design
Clear answers, and you stay in charge.
The maths is shown
Tap the daily figure and see exactly how it was worked out. It is a planning estimate, not a bank balance.
Nothing moves without you
Savingy never pays, sends or transfers anything. Saving a plan takes a deliberate press and hold.
Your bank login stays yours
No bank linking or banking passwords. Just the records you choose to add.
Practice stays practice
Entries from guided setup are kept apart, so your real figures only count real records.
Small habits. Personal stories.
In their own words: finding a little more clarity in everyday money decisions.
The Sunday check-in
“I’ve stayed comfortably under budget three months in a row now.”
Read full story
“The Sunday Reset completely cured my weekend spending amnesia. Taking just ten minutes every Sunday evening to close out my week and set my targets made me realize I was leaking ₹4,000 every month on impulsive food deliveries. I’ve stayed comfortably under budget three months in a row now.”
Ananya S.
Product Designer · Bengaluru
Clay illustration
A daily habit
“I’m currently on an 82 day streak, and for the first time in years, I know my exact monthly burn rate without guessing.”
Read full story
“I used to maintain a complex spreadsheet that I’d abandon within a week. Savingy’s streak counter and 5-second expense logging turned tracking into an unconscious daily habit. I’m currently on an 82 day streak, and for the first time in years, I know my exact monthly burn rate without guessing.”
Rohan M.
Software Engineer · Kolkata
Clay illustration
Room to plan
“It gives me immediate clarity on what is safe to spend without touching my core savings.”
Read full story
“Freelance income is unpredictable, which used to give me constant low-grade financial anxiety. Savingy’s category envelopes helped me cleanly separate tax reserves from day-to-day spending. It gives me immediate clarity on what is safe to spend without touching my core savings.”
Meera N.
Independent Content Strategist · Mumbai
Clay illustration
Small wins that matter
“Savingy focuses on the one number that matters and celebrates micro-wins.”
Read full story
“A lot of budgeting apps drown you in vanity charts that don't change your behavior. Savingy focuses on the one number that matters and celebrates micro-wins. The milestone pacing helped me fully fund my 6-month emergency fund nearly two months ahead of schedule.”
Karthik R.
Financial Analyst · Hyderabad
Clay illustration
Space for what you love
“It doesn’t shame you for spending money on things you love and it just shows the trade-offs clearly.”
Read full story
“Budgeting used to feel like self-punishment until I started using Savingy. It doesn’t shame you for spending money on things you love and it just shows the trade-offs clearly. The 45-day trial gave me plenty of time to build the habit, and the yearly Pro plan has already saved me far more than it cost.”
Tanvi G.
Operations Manager · Gurgaon
Clay illustration
What is inside
Everything you rely on, in one flow.
Today, Ask and Money sit on top of the tools you already know. Every one of them is still there.
Today
Your daily figure, bills ahead and prepared decisions.
Ask
Straight answers to "can I afford it?", worked out from your records.
Money
Plain-words entry, ledger, plan, goals and bills on one page.
Statement importPRO
PDF, CSV or Excel, reviewed before anything is saved.
Weekly reset
A short Sunday check-in to close the week.
Goals
Save towards what matters and track every contribution.
Bill reminders
Rent, phone, broadband: they show up on your runway.
Pro insightsPRO
Forecasts, spending shifts and where money drains.
Android app
Your records on your phone, in step with the web.
The thinking behind the habit
A small ritual, informed by behavioural science.
Recording, remembering and repeating each have a role. Here is the research that informs our approach.
Recording makes progress visible.
138 studies · 19,951 participants
A meta-analysis of experiments found that interventions encouraging progress monitoring improved goal attainment, with larger effects when progress was recorded.
Our takeaway: give your spending a record you can return to and reflect on.
Read the study : Self-monitoring (opens in a new tab)Harkin et al. · Psychological Bulletin · 2016
Bring your intentions back to mind.
Field experiments · 3 banks
Reminders helped customers with commitment savings accounts reach their saving commitments. Messages mentioning goals and incentives were especially effective.
Our takeaway: use your daily check-in as a cue to reconnect with what you are saving for.
Read the study : Nudges & attention (opens in a new tab)Karlan et al. · Management Science · 2016
Make a small action familiar.
Everyday habits · 12-week study
Repeating an action in a consistent context was associated with increasing automaticity. Time taken varied widely; missing one opportunity did not materially disrupt the process.
Our takeaway: pair logging with a familiar moment, and leave room to start again.
Read the study : Habit formation (opens in a new tab)Lally et al. · European Journal of Social Psychology · 2010
These studies cover progress monitoring, savings reminders and everyday habits. They did not test Savingy or establish that manual logging is better than automatic tracking. Our design applies these ideas; individual outcomes vary.
What can a money journal actually promise?
A place to record, review and make your own choices. Logging alone does not guarantee a change in behaviour or more savings: a randomised financial-diary study in Uganda found no clear improvement in the financial outcomes it measured. Reflection and action matter too.
Read the financial-diary study (opens in a new tab)Pro Membership
Start free. Upgrade when you’re ready.
Start with free tracking and budgeting. Add Pro when you want deeper insights.
Basic
₹0forever
- Today, Ask & Money
- Unlimited Tracking
- Unlimited Budgeting
- Basic Charts & Reports
- 100% Ad-Free Experience
Optional upgrade 45-Day Free Trial
Pro
₹149 / month
Or ₹1,188 / year (₹99 / month billed yearly)
- AI Insights & Alerts
- Projected bills on your runway
- Reviewed Statement Import
- Spending Shift Analysis
30 real expense or income entries unlock a one-time 45-day Pro trial. Start it when you choose. No card required; no automatic charge.
No automatic renewal Fixed access periods Secure payments
Paid access lasts 30 days (monthly) or 365 days (yearly). It ends unless you choose to buy another period. Your free tracking and budgeting stay available.
Little steps. Big possibilities.Take Savingy
Your everyday companion, on Android.
Take Savingy
everywhere.
Everyday spends. Plans worth making. Keep your expenses, budgets and goals close, wherever life takes you.
Your everyday companion, on Android.
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