FIVAMO: Budget & Debt Tracker

FIVAMO is a free personal finance app for iPhone that brings income, fixed costs, debts and savings goals together in one place — no account, no ads, no subscription.

All data stays on your device. FIVAMO requires no sign-up, connects to no bank, and collects no usage data.

WHAT FIVAMO ANSWERS
- How much money is actually left this month?
- Where does my income go — fixed costs, savings or free to spend?
- Who do I still owe, and by when?
- When will I reach my savings goal at my current rate?

YOUR COCKPIT
- Income, fixed costs and savings rate at a glance
- "Free to spend" — what's left after every commitment
- A colour-coded cashflow bar shows instantly when you're over budget
- Fixed costs grouped by category, with their share of your income

SAVINGS GOALS
- Track several goals at once
- A visual progress ring for each goal
- Set a monthly rate and a target date

DEBTS WITH HISTORY
- Instalment debts with repayment progress
- Log individual payments with dates — the history stays traceable
- Mark debts as settled and look them up later
- Due and overdue items are highlighted
- Filter by due date: overdue, within 7 days, within 30 days

BUILT-IN CALCULATORS
- Compound interest calculator with a chart across the full term
- Gross-to-net salary calculator for German tax classes (available on German-language devices)

YOUR DATA STAYS WITH YOU
Everything is stored locally on your iPhone. No account, no tracking, no cloud. You export backups as a file yourself — you stay in full control.

FIVAMO is made for people who simply want to understand their finances.