Savio helps you manage money with less friction: fast expense/income logging, custom budget rules, and clear monthly stats. What makes this launch different is flexible budgeting by calendar month or financial month (based on your payday), plus recurring-charge protection that detects and fixes date mismatches to avoid duplicate charges. You also get actionable insights like spending velocity, remaining daily budget, recurring expense weight, and savings trends in a clean Android app.

Wispr Flow: Dictation That Works Everywhere — Stop typing. Start speaking. 4x faster.

Stop typing. Start speaking. 4x faster.

Hey Product Hunt 👋 I’m Javier, maker of Savio. Savio started from a frustrating pattern: I’d reach the end of the month and still ask, “Where did my money go?” Not because I didn’t care — but because I didn’t have clarity. Most tools I tried were either too complex, pushed bank connections, or felt like they were built for a “perfect month” that never happens. So I built Savio around three principles: Flexible budgeting: adjust categories to fit your real life Visible savings: see how you’re doing month by month, instantly Offline & private: no accounts, no bank sync, no tracking — data stays on your phone It’s 100% free and currently Android-only on Google Play. Why now? I wanted to ship something useful, simple, and privacy-first — and get real feedback from people who actually manage their own money. What’s coming next (based on feedback): Export options (CSV) More insights/visuals Quality-of-life improvements (faster entry, category tweaks, etc.) If you try it, I’d love to hear: what would make you stick with a budgeting app for 30 days? Thanks for checking it out 🙏

Wispr Flow: Dictation That Works Everywhere — Stop typing. Start speaking. 4x faster.

Stop typing. Start speaking. 4x faster.

Savio: Budget & Savings

Budget by payday or calendar month, with savings insights

Budget by payday or calendar month, with savings insights