Private beta · Berlin, Germany

Your bank shows
a balance.
Savvy tells you
what it means.

The AI financial agent that watches your money, catches what's going wrong, and acts before you have to ask.

✦
Savvy
just now
🎉 you're on the list. we'll reach out soon.

No spam. No nonsense. Just Savvy.

€701 average monthly leak Savvy finds · 50M+ multi-bank users in Europe · Zero apps combine automation with AI intelligence · €48B annual remittances, Africa to Europe · 20 minutes saved every payday, automatically · 3,000+ European banks supported · 98% transaction categorisation accuracy · €701 average monthly leak Savvy finds · 50M+ multi-bank users in Europe · Zero apps combine automation with AI intelligence · €48B annual remittances, Africa to Europe · 20 minutes saved every payday, automatically · 3,000+ European banks supported · 98% transaction categorisation accuracy ·
How Savvy works

One loop. Four layers.
Running every day.

01
Observe
Connects every account you own. Sparkasse. Revolut. Trade Republic. N26. One honest view. Internal transfers excluded — your income is never inflated.
"your real balance across 3 banks, right now, no double counting."
👁
02
Insights
Surfaces what you didn't know you needed. Spending patterns. Subscription waste. Money leaks. The financial picture no other app shows you.
"paying for 3 things you probably forgot existed. ring any bells? 🤔"
💡
03
Predict
Tells you where you are headed before you get there. End of month spiral flagged on day 18, not day 30. Quarterly and yearly trajectories always in view.
"at this pace you'll miss your investment goal by €620. let's fix that."
🔮
04
Act
Executes your plan the moment income lands. Savings funded. Investments allocated. Family send done. Recommends better ways to save, invest and build wealth.
"payday sorted, boo. savings moved. investments allocated. you're welcome."
⚡
Savvy in action

This is what
Savvy tells you.
Proactively.

Not when you ask. Savvy watches every account, spots patterns, and surfaces insights before problems compound. This is what shows up when you open the app.

👀
babe. you're leaking €701 every month.
That's €8,412 a year quietly disappearing. i found exactly where it's going. want to see?
Active leak detected
📈
Food spend creeping up 3 months straight.
At this pace you'll miss your year-end investment goal by €1,240. i can show you where the extra is going.
Spending pattern
🎉
Best savings month in six. 37% rate.
Your ETF and emergency buffer moved automatically. €2,400 stayed in your main account. keep going boo.
Personal best
⚡
Payday sorted before you opened the app.
Savings funded. Investments allocated. Family send queued at best rate. €2,847 is yours to spend freely this month.
Ran automatically
The numbers

Insights that
actually hit.

Monthly spending trend
Food, subscriptions and lifestyle — 6 months
✦ Pattern detected
📈
Spend creeping up 3 months straight
"at this pace you'll miss your year-end investment goal by €1,240."
Financial health
Updated monthly by Savvy AI
74 / 100
74
Good
Savings rate
82
Subscriptions
58
Spending control
65
Income stability
90
Payday flow
Where every euro went — executed automatically
⚡ Auto-ran
🏦
Sparkasse
€6,840
✦
🏠Rent€1,650
💜Revolut savings€684
📈Trade Republic€342
🌍Family send (Lemfi, best rate)€420
💰Yours to spend freely€2,847
Money leaks
Leaving quietly every month
€347/mo
€701
leaking
Unused subscriptions€94
End of month overspend€360
Food spend creep€247
End of month prediction
Where you'll land if nothing changes — flagged on day 18
⚠ At risk
⚠️
Spiral flagged on day 18 — not day 30
"you do this every month. i'm flagging it early so you don't have to panic later."
Who it's for

Built for how
you actually live.

💼
The professional with multiple accounts

Salary in Sparkasse. Savings in Revolut. Investments in Trade Republic. Savvy connects them all and shows one real number — what is actually yours after every obligation.

💻
The freelancer with multiple income streams

No fixed salary? No problem. Savvy detects every income event and applies your rules automatically — regardless of source, amount, or timing.

🌍
The professional with family back home

Monthly family send, international transfers, live rate comparison across Wise, Lemfi, Sendwave — all first-class parts of your financial plan. Not afterthoughts.

Getting started

Set up in minutes.
Works forever.

Step 01
Tell Savvy your goals

Save more. Invest more. Buy a flat. Send money home. Travel. Pick what matters. Savvy builds your plan around it.

Step 02
Connect your accounts

2,000+ European banks via open banking. Read-only. Bank-level encryption. Savvy sees everything, touches nothing.

Step 03
Set your rules once

Rent fixed. Savings 20%. Investment 10%. Family send €420. Tell Savvy the plan. Once. Never again.

Step 04
Let Savvy handle it

Income lands. Savvy executes. You get a notification. What used to take 20 minutes every payday now takes zero.

vs the rest

Why Savvy
is different.

Feature ✦ Savvy Cleo Finanzguru Revolut
Multi-account aggregation✓~✓~
AI proactive insights✓~✗✗
Spending predictions✓✗✗✗
Payday automation✓✗✗✗
Freelancer income support✓✗✗✗
Live remittance rates✓✗✗✗
Personality + tough love✓✓✗✗
Our belief
The future of money
is not another app.
It is an intelligent partner
working every day.
Mission
To help people make better financial decisions, automatically.
Vision
A world where managing money is no longer a task. It simply happens.
Private beta

Be the first in.

Savvy is in private beta in Berlin. Join the list and we'll reach out when your spot is ready.

🎉 you're on the list. we'll be in touch soon.

No spam. No nonsense. Just Savvy.