Good day
Connect your monthly income to populate this overview.
Assign income across four allocation tiers before the month begins. The zero-based rule makes every dollar observable, assigned, and accountable.
Budget categories enforce allocation limits. When a category is exhausted, the workspace requires an explicit transfer decision before additional spending is recorded.
Every incremental dollar should have a deliberate destination. The allocator analyses current funding gaps and recommends where the next marginal income should be assigned.
The allocator scans category gaps and recommends the optimal use of the next unit of income.
Received unexpected income? Enter the amount and the workspace will propose a balanced capital and discretionary allocation.
Prioritise liabilities with a clear repayment sequence. Maintain required minimums, then direct available repayment capacity toward the current priority balance until it is cleared.
Recurring services create silent monthly drag. Review each one against current utility, frequency, and replacement cost — every subscription should earn its place in the billing period.
Use a structured pre-purchase review to separate utility, productive value, and social signaling. The check slows impulse decisions and makes trade-offs explicit before money leaves the account. Saventra offers educational insights, not regulated financial advice.
Smart Buy — find it cheaper
Say what you want. I compare the market, surface cheaper options, and check it against your budget.Engineer console · Smart Buy backend
Mount the shopping-search endpoint here. The page sends { query, maxPrice, currency, country } and expects { items: [{ title, price, currency, retailer, url, image, inStock, rating }] }. Only the product text and max price leave the device.
Not configured — Smart Buy uses your local decision verdict only.
Before You Buy
Describe a purchase under consideration. The review classifies the decision, highlights the likely motive, and suggests a disciplined next step.
Financial resilience measures how long your current liquid reserves can cover essential expenses if income stops. Every reserve contribution extends your days of coverage.
Days of Coverage
Enter monthly expenses and liquid reserves below to calculate your coverage horizon.
Update Coverage Inputs
Define what you are saving for. Each goal has a name, a target amount, and a deadline. The AI tracks your monthly contribution rate and tells you if you are on track.
A unified view of every financial event this month — bill cycles, debt minimums, goal deadlines, payslip dates, and monthly review checkpoints. Click any day to drill in; click any event to open its editor.
Your financial command center — Days of Freedom, wealth classification, spending patterns, and forward projections. All computed locally.
All your financial data as a live spreadsheet. Sort, filter, edit and export — every change saved instantly to your encrypted local vault.
Manage your vault security, encrypted backups, currency preferences, and application data.
Import a text-based payslip PDF. The file is parsed on your device and is never uploaded — only the figures you choose to save go into your encrypted vault.
Your proactive money coach. It reads your payslip and spending locally, proposes a plan you approve, and goes deep on the hard questions — book-grounded when a RAG backend is connected. Educational coaching only — not regulated financial advice.
Backend wiring for Saventra Intelligence. Configure the RAG coaching endpoint here — settings stay on this device.
New to Saventra? Watch the short walkthrough below to get the most out of your budget plan, categories and goals.
Walkthrough video coming soon
A guided tour of Saventra will appear here.
Found a bug, or have an idea that would make Saventra better? Send it straight to the team — we read every message.