Savings: AI Expense Tracker

#1 in Malta · Top 50 in 7 countries on the App Store.

Savings gives you a simple, beautiful view of your money — one honest score. Snap a receipt, type "lunch 250," or ask a question — on-device AI does the rest. Completely private.

SCAN A RECEIPT OR TRANSFER SLIP WITH AI
Point your camera at a receipt or transfer slip and on-device AI reads the total, date, and merchant — the image never leaves your iPhone. Auto-scan logs receipts when you open the app. First scans free.

QUICK ADD — JUST TYPE IT
Type "lunch 250" or "taxi 80" and Savings logs it in one tap, filling in the amount and category. A fast parser is free; AI handles trickier ones.

AI ASSISTANCE
Chat with an on-device financial guru that answers from your spending, budgets, goals, and debts. First messages free. Plus an AI Summary of your month, with a tip.

YOURS, EVERYWHERE
Native on iPhone, iPad, Mac, and Apple Vision Pro — plus a free Apple Watch app with your score, plan, accounts, Quick Add, and complications. Syncs through your own iCloud.

KNOW YOUR SCORE
Every transaction rolls into one 0–100 score for the cycle — the share of your income you saved. One glance shows if you're on track.

A BUDGET PLAN THAT KEEPS UP
Split your income into Needs, Wants, and Savings — 50/30/20, 70/20/10, 60/20/20, or your own split. Choose which categories, custom ones included, feed Needs and Wants. Track Plan vs Actual, spending pace, and the last 6 months. Pick the day your month starts.

A DASHBOARD THAT GOES DEEP
Configurable cards — totals, category breakdowns, a spending map and trends — for any cycle, year or range.

SAVE, INVEST & SET GOALS
Set money aside as Savings — kept, not spent, so your score stays honest. Track returns as Capital Gain. Build long-term goals like an emergency fund.

ACCOUNTS & CREDIT CARDS
Add your banks, e-wallets, cash and credit cards. See your net worth, filter Home by account, transfer between accounts, and pay a card in a tap. Get a reminder before a card payment is due, or split a purchase into monthly installments.

ASSETS & YOUR WHOLE NET WORTH
Track your home, shares, gold, crypto and car. Log buys, sales, dividends and costs, and see each one's return and your allocation — all in your net worth.

LEND
Track money you've lent — with interest, a schedule and reminders. Lending isn't spending, so your score stays honest.

DEBT TRACKING
Track credit cards and loans, with effective or flat interest. Record a payment in one tap, see your next due date, and watch your debt-free date get closer.

RECURRING & REMINDERS
Rent, salary, subscriptions — set once, they repeat. Edit one occurrence, all, or just future ones, and get a reminder before a bill is due.

HOME & LOCK SCREEN WIDGETS
Free widgets — saving score, cycle overview, accounts, card payment due, lend, debts, latest transactions, your plan, and Quick Add.

PRIVATE BY DESIGN
No sign-up. No tracking. Even the AI runs on your device — your finances never touch our servers, only your private iCloud. Export to CSV any time; full backups keep your photos, notes, and settings. Lock it with a passcode, Face ID, or Touch ID.

SPEAKS YOUR LANGUAGE
Fully localized in 15 languages, each with matching currency.

FREE TO USE
The full app — scoring, logging, calendar, savings & goals, accounts, assets, lend, debt tracking, dashboard, budget plan, recurring, CSV export, widgets, app lock, Quick Add, and 20+ categories plus your own — is free. Optional one-time unlocks add more:
• Receipt Scanning & AI Quick Add — unlimited AI receipt & slip scanning, AI Quick Add, and auto-scan (first uses free)
• AI Assistance — unlimited chat with your on-device financial guru (first messages free)
• All Widgets — every advanced dashboard card, chart & breakdown
• Category Pack — every specialized income & spending category
• Wealth — live asset prices, projections, exit plans & AI suggestions

No subscriptions. Buy once, keep forever.

Start today — snap, type, ask, save, and watch your score climb.