You just signed up. Now what?
You've created your Savyy account. Maybe you've poked around the dashboard, maybe you haven't. Either way, you're probably wondering where to start and what all those menu items actually do.
This guide walks you through everything, from your first bank connection to the tools that most users don't discover until weeks later. No rush. Go at your own pace.
Step 1: Connect your bank account
This is the single most important thing you can do right now. Everything else in Savyy, the categorization, the budgets, the spending analysis, builds on your bank data.
Head to Accounts and tap Add an account. Savyy uses Bridge, a regulated European open banking provider, to connect securely to over 4,000 banks. A few things to know:
- Your credentials never touch Savyy. The whole authentication happens through Bridge's secure flow, and access is consent-based under PSD2 regulations.
- The connection is read-only. Savyy can see your transactions and balances. It can't move money, make payments, or modify anything.
- Bridge is ISO 27001 certified and operates within EU data residency standards.
Once connected, Savyy pulls in your transaction history. You should see your accounts and balances within a few seconds.
Step 2: Let AI categorize your transactions
As soon as your transactions come in, Savyy's AI sorts them into categories: groceries, transportation, entertainment, housing, and so on. You don't have to do anything. Open your Transactions page and your spending is already organized.
What happens behind the scenes is worth knowing. Merchant names are hashed, descriptions are sanitized, and personal details are stripped out before anything reaches the AI. It only sees what it needs to classify the transaction. And it never trains on your data. Your transactions are classified and forgotten.
Not every transaction will land in the right category on day one. That's expected. Head to Categories > To Classify to review anything the AI wasn't sure about. The more you correct, the better it gets, because your manual choices feed back into the system's understanding of your patterns.
Step 3: Check your dashboard
Your dashboard is the overview. Once you've got transactions flowing in, you'll see your total balance across all connected accounts, recent transactions with their categories, and a spending breakdown that shows where your money is going.
It's your daily check-in. A quick look in the morning tells you where you stand.
Step 4: Dig into your transactions
The Transactions page is where the detail lives. You can filter by date range (this month, last month, a custom window), by account, by type (income, expenses, or everything), and by status (pending, booked, etc.).
This is useful for answering specific questions. "How much did I spend eating out in February?" Filter by date and category and the answer is right there.
Step 5: Set up your categories
Savyy ships with a solid set of default categories, but your financial life is yours. You can create custom categories that match how you actually think about your spending. You can build categorization rules: tell Savyy that any transaction from a specific merchant should always go into a specific category, and you'll never categorize that merchant again. And you can use expense envelopes, which are sub-budgets within categories. If you want to cap your coffee shop spending within a broader "Food & Dining" category, envelopes do that.
The rules engine deserves a special mention. Spend five minutes setting up rules for your frequent merchants and you're done with manual categorization for those forever.
Your finances are organized. What now?
At this point, your bank is connected, your transactions are categorized, and you have a clear picture of where your money goes. Savyy has more to offer from here.
Budgets: tell your money where to go
Head to Budgets and create your first one. Pick a time period (monthly is the most common), set how much you want to spend per category, and track progress in real time.
You can have multiple budgets for different purposes. One for essentials, another for fun stuff. They work well with alerts (more on those below), so you get a heads-up before going over.
Subscriptions: see what you're actually paying for
The Subscriptions page surfaces recurring payments from your transaction history. Your Netflix, your gym, your cloud storage, that app you signed up for three years ago and forgot about.
For each one, you'll see the cost, the billing frequency, the next expected payment date, and a category breakdown of all your subscriptions. You can confirm, dismiss, or rename anything Savyy detects. A lot of users find forgotten payments here and end up saving money by cancelling things they no longer use.
Alerts: stay informed without checking constantly
Under Alerts, you can set up notifications for the things that matter. Budget thresholds ("notify me at 80% of my dining budget"), large transactions ("flag anything over 200 EUR"), or category spending limits ("alert me if entertainment goes past 100 EUR this month").
Alerts arrive by email and in-app. The idea is simple: you shouldn't have to open the app every day to stay on top of your spending.
Reports: the monthly review
Reports generate financial summaries for you. Monthly overviews, category trends, income vs. expense comparisons. You can run them on demand or schedule them to generate automatically.
When you want to sit down and actually look at your financial health in a structured way, this is where you go. If the dashboard is the daily glance, reports are the monthly review.
Tools worth knowing about
Savyy has a few built-in tools that pull their weight.
Cash flow (Sankey chart)
The Sankey chart shows money flowing from your income sources, through your spending categories, down to savings. It makes patterns obvious in a way that tables and numbers don't. I keep coming back to this one.
Compound interest calculator
Plug in a starting amount, an expected rate, and a time horizon. Watch the growth curve. Simple, but seeing compounding play out over 20 years has a way of making you want to save more.
Loan calculator
Enter a loan amount, interest rate, and term to see your monthly payments and total cost (insurance included, if you want). Handy to run before sitting down at the bank to discuss a mortgage or car loan.
Data export
Need your transactions in a spreadsheet? Export to CSV or Excel with custom date ranges and account filters. Good for tax season, expense reports, or keeping a local copy of your data.
Financial data hub: follow the markets
Savyy goes beyond your bank account. The Markets section gives you real-time data on stocks, ETFs, and indices, powered by Twelve Data. You can search instruments, save favorites to a personal watchlist, and track prices with charts.
This is available on the free plan too. If you invest, or are just curious about what the market is doing, it's one click away in the sidebar.
Savyy AI: talk to your finances
Open the Chat and ask Savyy AI something in plain language:
- "What did I spend on groceries last month?"
- "Show me my most expensive subscriptions"
- "What's my spending trend over the last 6 months?"
- "What's the current price of Apple stock?"
The AI has access to your financial data (anonymized and secured), your budgets, your subscriptions, and market data. It pulls up answers and runs analyses so you don't have to dig through pages and filters yourself. It's like having someone who already looked at all your numbers and is ready to answer questions.
Track your full net worth
Your bank balance isn't your whole financial picture.
Real estate
Add your properties with estimated values and loan details. Track how they appreciate over time and how they fit into your net worth.
Other assets
Cryptocurrencies, precious metals, vehicles, collectibles: anything with value that isn't sitting in a bank account. Add it, update it, and your dashboard shows your full financial position instead of just your checking account balance.
So why does Savyy+ exist?
The free plan is real. You get one bank connection, AI categorization, basic analytics, real-time market data, and email support. For getting started with personal finance, that covers a lot of ground.
Savyy+ is there when you need the rest. At 3.99 EUR/month (or 39.99 EUR/year, about 17% off), you get:
- Unlimited bank connections (most people have 2-3 accounts, and seeing them together is where things click)
- Advanced AI categorization with custom rules and pattern learning
- The AI financial assistant (Savyy AI chat)
- Unlimited custom categories and expense envelopes
- Budgets with alerts
- Subscription tracking and insights
- Automated financial reports
- Stock fundamentals and analysis
- CSV and Excel export
- Priority support
No hidden fees. Cancel anytime, keep access until the end of your billing period. If you downgrade, your first bank connection and all your data stay put. Extra connections get archived and come back if you upgrade again.
We built Savyy+ because running this costs real money: servers, AI processing, market data feeds, bank API partnerships. The free plan lets anyone get started. Savyy+ is what lets us keep building without showing ads, selling data, or nudging you into things you don't want.
Your first week
Here's a loose plan if you want one:
Day 1: Connect your main bank account. Let the AI do its thing. Poke around.
Day 2-3: Go through the "To Classify" queue. Set up categorization rules for your most common merchants. Open the Subscriptions page. You might find something you forgot about.
Day 4-5: Create your first budget. Keep it simple: 3-4 categories, reasonable limits.
Day 6-7: Set up an alert or two. Check out the Sankey chart. Ask Savyy AI something about your spending.
After that: Add properties or other assets if you have them. Save a few stocks or ETFs to your watchlist. Schedule automated reports so you get a monthly summary without thinking about it.
One last thing
Savyy is built by a small team that uses the product daily. If something feels off or you have an idea, we'd like to hear it.
Welcome.