SAVYA is your complete financial life in one app — expense tracker, budget planner, investment tracker, EMI manager, insurance tracker, and 7 built-in calculators, all built specifically for India. Not a generic finance app with a rupee sign bolted on, but one that understands Swiggy, Blinkit, Fastag, SIPs, EMIs and Kirana runs. No account. No login. No ads.

Your money. Your device. Nothing leaves it unless you say so.

Most apps make you juggle five apps — one for expenses, one for SIPs, one for EMIs, one for insurance, one for net worth. SAVYA replaces all of them.

──────── A COMPLETE MONEY MANAGER ────────
📊 Budgets — 50/30/20, Debt Crusher, or build your own split
💳 EMI & Loans — outstanding balance, months remaining
📈 Investments — MF, Stocks, FD, PPF, NPS, Gold, Crypto
🛡️ Insurance — Life, Health, Vehicle, Term policies tracked
🎯 Goals — set targets, see projected completion date
💰 Net Worth — assets minus liabilities, monthly snapshots
📉 Analytics — trends, category breakdowns, month reports
🔁 Recurring bills — subscriptions auto-tracked
📤 Import & Export — bring in a bank statement CSV, or export your data anytime

──────── 7 BUILT-IN CALCULATORS ────────
🧮 SIP Calculator — regular, goal-based, and step-up
🏠 EMI Calculator — standard and tenure comparison
🏦 FD & RD Calculators — plan fixed and recurring deposits
📐 CAGR Calculator — track real investment growth
🧾 Tax Calculator — estimate your liability instantly
🇮🇳 Lending Calculator — India's informal ₹-per-₹100 interest rate, decoded
🏘️ Asset Calculator — property and asset value growth over time

──────── FINANCIAL HEALTH SCORE ────────
A real score from 0–100 based on savings rate, EMI burden, investment activity, and budget discipline. Not a vanity metric — a breakdown of where you stand and what to fix first.

──────── FINANCIAL WEATHER FORECAST ────────
SAVYA predicts where your money is headed before the month ends. Like a weather forecast for your finances, it reads your income, spending pace, upcoming EMIs, credit card due dates, insurance premiums, and budget limits to tell you if you're heading for clear skies or a storm. Know early. Act early.

──────── TRACK EVERY RUPEE, IN SECONDS ────────
Add income, expenses, transfers, and investments in seconds. Smart auto-category: type "zomato" and SAVYA knows it's food. Type "petrol" and it's transport. No manual tagging needed.

──────── BUILT FOR THE WAY INDIA MANAGES MONEY ────────
100+ pre-built categories for Indian life — Kirana, Dabba, Festival & Pooja, Diwali, Shagun, tax refunds, Blinkit, Zepto, Chit funds, and more.

──────── PRIVACY BY DESIGN ────────
Fully offline. No account, no login, no subscription. Everything stays on your device by default. Optional Google Drive backup goes to your own account, your call. PIN lock. Delete all data in one tap.

TRACK · SAVE · GROW