Money Manager, Planner: Savemo

You're not bad with money. You're planning one month at a time.

The $400 car service. The insurance that renews every March. Christmas. None of it is a surprise — but it always arrives like one, because most budget apps only ever look backwards.

Savemo looks forward. It tells you what's already spoken for, so what's left is genuinely yours to spend.

No bank login. No account. No categories. Nothing to log every day.

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WHAT SAVEMO DOES

• See how much you'll have left next week, next month, or a year from now. Your income and bills, projected forward month by month.

• Quarterly and annual bills spread themselves across the months before they land. Car insurance, road tax, tuition, Christmas — never a surprise again.

• Tell Savemo what's coming and when. It works out exactly how much to set aside each month. A holiday in July, a new boiler in autumn, school shoes in September.

• Organize savings into buckets — Holiday, Car, Kids, Home, Emergency. Each with its own date and its own monthly amount. Envelopes for things that haven't happened yet.

• Spot a tight month before you're standing in it.

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BUY IT ONCE

• Free forever for up to 2 buckets.
• Pro unlocks unlimited buckets, recurring events, flexible saving strategies, export and themes.
• One-time lifetime unlock — or a small annual fee. Your choice.
• 7-day full-access trial. No card required to look around.

No subscription treadmill. No price rises every year for features you never asked for.

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YOUR DATA NEVER LEAVES YOUR DEVICES

• No bank connection. No third-party aggregator with its own terms and its own partners.
• No account, no login, no email address. Savemo never knows who you are.
• Everything stays on your device and syncs privately through your own iCloud — so you get backup and multi-device sync without handing your data to anyone.
• iPhone, iPad and Mac, one purchase.

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IF YOU'VE ALREADY TRIED THE OTHERS

You categorized every coffee for three weeks and stopped. You gave an app your bank password and felt uneasy. You paid for a year and used it twice.

That isn't a discipline problem. Trac