Germany has some of the most sophisticated financial infrastructure in the world. And yet, millions of people living here end the month not entirely sure where their money went.
Not because they're careless. Not because they don't earn enough. Because modern financial life doesn't fit inside one bank or one app anymore. Your salary lands in Sparkasse. Your investments live in Trade Republic. Your day-to-day spending runs through Revolut. Your savings sit somewhere else. Every app shows its own slice. None of them show you the full picture. And none of them act on your behalf.
I know this because I lived it.
I came to Berlin in 2020. The accounts multiplied almost immediately. A student account to start, a Revolut I topped up when things got tight, and a budget I kept in my head because a spreadsheet felt too confronting. The end of the month kept arriving faster than expected, with less left over than I'd planned, and no clear answer for where it had gone.
As I moved from student to professional, the income grew. The chaos followed. More banks, more obligations, more complexity. And through all of it, I was sending money home when the numbers worked out, never quite sure if I was managing or just surviving.
Every finance app I tried assumed one bank, one country, one simple life. None of them were built for this.
That line stayed with me. Because it isn't just my story. It's the story of millions of people living in Germany right now: people with real income and real ambitions who are still making financial decisions manually, reactively, and too often too late.
So I built Savvy. Not another budgeting app. Not another aggregator. An AI financial agent that understands your complete financial life across every account, every obligation, and every goal, and acts on your behalf before you even have to ask.
The accounts are already there. The income is already there. What's been missing is the intelligence to make it all work.