Budgeting app · iOS & Android
Know what’s safe to spend today.
Saveo connects your accounts, sorts every transaction, and turns the mess into one honest number — so you stop guessing at the end of the month.
3 days free, then $59.99/year. Cancel anytime.
- Safe to spend
- $6,186.21
- Spent this month
- $2,333.79
- Subscriptions found
- 20
How it works
Three steps, then it runs itself.
- 01
Connect your accounts
Link banks and cards through Plaid — 12,000+ institutions across the US and Canada. Saveo never sees your login.
- 02
Let it sort the mess
Every transaction is categorised as it lands. Recurring charges get flagged as subscriptions without you tagging a thing.
- 03
Ask it anything
Tap the orb and talk. "What’s safe today?" "Forecast May." "Can I pause a sub?" You get a straight answer, not a chart to interpret.
Inside the app
Real screens. Real numbers.
The buddy
It talks first, before you ask.
Mochi opens with what actually matters today — not a dashboard you have to interrogate. Tap the orb to speak, or type. Four personalities, from gentle to brutally deadpan.
- Safe to spend
- $6,186.21
- Spent this month
- $2,333.79
- Days left
- 21
Budgets
Every category, at a glance.
One ring for the month, one for each category. Anything drifting over turns red long before the statement does — and it tells you how far over, in dollars, not percentages you have to decode.
- Left this month
- $1,814.80
- Of budget used
- 79%
- Over limit
- 2 categories
Subscriptions
The charges you forgot about.
Saveo spots recurring payments on its own and lines them up by due date. The ones landing this week sit at the top, so nothing renews behind your back.
- Found automatically
- 20 active
- Due in 30 days
- $8,117
- Average per sub
- $630
Insights
Where it went, and what’s coming.
Cumulative income against spending, with the risky stretches shaded. Flip to the heatmap to find the single day that blew the month. Tap any number to drill into it.
- Income
- $71,819.79
- Expenses
- $71,497.07
- Net
- +$322.72
Security
It’s your money. We just read it.
Saveo has read-only access to your transactions. It cannot move money, open accounts, or make a payment — there is no code in the app that can.
- Your bank loginNever touches Saveo
Credentials are entered inside Plaid and exchanged for a token. We never receive, store or transmit them.
- Data at rest and in transit256-bit AES
Encrypted both ways, with certificate pinning on the app so traffic cannot be intercepted by a proxy.
- Opening the appFace ID / Touch ID
Biometric lock every time, so a borrowed or stolen phone is not an open ledger.
- Privacy lawPIPEDA & CCPA
Compliant in Canada and the US. Your data is never sold, and you can delete the account and everything in it from inside the app.
Compared
Cheaper than the alternatives, and less work.
| Feature | Saveo | YNAB | Monarch |
|---|---|---|---|
| Price per year | $59.99 | $109 | $99.99 |
| Free trial | 3 days | 34 days | 7 days |
| Categorises for you | Yes | Manual envelopes | Yes |
| Talk to it by voice | Yes | No | No |
| Subscription detection | Automatic | No | Yes |
| Designed for | Phone | Web + phone | Web-first |
List prices as published by each provider, September 2026. YNAB offers a longer trial than we do — we’d rather say so than leave it out.
Pricing
One plan. Everything in it.
No free tier that quietly withholds the useful parts, and no add-ons. 3 days free to try it properly first.
Monthly
$12.99/month
Same features. Cancel whenever you like.
Choose monthlyPrices in USD in the US, CAD in Canada. Billed through the App Store or Google Play, so cancelling is two taps in your device settings.
Included in both
- Unlimited bank and card connections
- Automatic transaction categorising
- Budgets with live over-limit alerts
- Subscription detection and reminders
- Cash flow, heatmap and forecasts
- The AI buddy, by voice or text
- CSV and PDF statement import
- Face ID / Touch ID lock
Questions
Straight answers.
$59.99 a year, or $12.99 a month — one plan with every feature in it. New accounts get 3 days free, and you can cancel from your App Store or Google Play settings at any point during it. USD in the US, CAD in Canada.
Stop guessing at the end of the month.
Connect an account and Saveo will have your spending sorted before you finish your coffee.
3 days free · then $59.99/year · cancel anytime
