Before you make a money decision, ask SmartSaver.
What would you like SmartSaver to help you with?
Pick as many as you like.
A quick tour of what each tab does.
Your daily overview — log a spend, see your weekly summary, check your balance snapshot.
Set savings goals (laptop, trip, emergency fund). Add money and watch progress grow.
Before buying anything, enter the numbers. SmartSaver tells you if it's safe, risky, or not yet.
Eight calculators for savings, budget, debt, discounts and more — all offline.
Preferences, your data, money tips, help, and everything else.
SmartSaver is ready. Start by checking a purchase or setting a savings goal.
What are you saving for?
Split monthly income into: 50% needs (rent, food, bills), 30% wants (entertainment, dining), 20% savings and debt payoff. Simple starting point.
Give every unit of income a job — rent, food, savings, fun. When income minus outgoings equals zero, nothing gets wasted.
Move money to savings the day you get paid, before you spend. What's left is your real spending money.
Bonus, tax refund, gift money? Send at least half to savings automatically. You won't miss what you never adjusted to.
Increase your savings rate by just 1% of income each month. After a year, you'll save over 12% more than when you started.
For any non-essential purchase over a day's income, wait 24 hours before deciding. Impulse fades. Real needs survive the wait.
A $200 item used 200 times costs $1 per use. A $20 item used twice costs $10 per use. Expensive isn't always wasteful, cheap isn't always smart.
Every purchase trades for something else. A $500 phone today could be 5 months of savings towards something bigger.
Pay minimums on everything. Put every extra unit on the highest-interest debt. It saves the most money over time.
Pay off smallest debts first, regardless of interest. Quick wins build momentum. Slower mathematically, but works if motivation is the problem.
Paying only the minimum on a credit card can take decades. Always pay above the minimum if you can.
Aim for 3-6 months of essential expenses in a separate, easy-to-reach account. It protects you from job loss or big surprises.
An emergency fund isn't for investing. Keep it in a savings account — accessible, stable, safe. Growth comes later.
Once a quarter, list every subscription. Cancel anything you haven't used in 30 days. Small leaks sink big boats.
A daily $5 coffee is $1,825 a year. Not saying skip it — just know what you're actually paying for it.
Keep a running list of things you want. Wait a week. Cross off what no longer appeals. Buy what survives.
Snacks, transport, small purchases add up. Logging them for 30 days usually reveals 10-20% of your income you didn't notice.
Money grows on money. Investing early — even small amounts — beats investing more later. Time is the biggest multiplier.
Protect against the big stuff you can't afford to lose (health, home, life if you support others). Skip insurance for small stuff you can replace.
SmartSaver helps you make better money decisions. Before you buy something, you can check whether it fits your budget. It also tracks savings goals, logs daily spends, and offers simple calculators.
Everything is on your phone. No accounts, no servers, no tracking.
Think of it like asking a friend before you spend. Fill in:
• What you want to buy
• How much it costs
• Your current balance
• Your monthly income
• Your essential monthly bills
Tap "Can I afford this?" and SmartSaver tells you one of three things: Yes (safe to buy), Risky (you could, but your buffer shrinks), or Not yet (you don't have enough).
After checking, you can Save the decision, save it as a Template to reuse, or Share it as an image.
Set a target (like "New laptop — $500 by March 2026"). Every time you save real money, tap "Add money" and enter the amount. SmartSaver shows how far you are, and suggests a weekly amount to hit your goal on time.
Each day, log what you spent (even small amounts). It takes 5 seconds. Over a week, SmartSaver shows your spending trend and compares it to last week.
This is not a full expense tracker — it's a lightweight way to notice where your money goes.
Savings, budget, debt payoff, discount, percentage, emergency fund, tip, and currency conversion. Pick from the dropdown and enter your numbers. Each one works offline.
Every day you use the app (log a spend, check a purchase, add to a goal), your streak grows. It's a small reminder to stay aware of your money.
Yes. Everything you enter stays on your device only. Nothing is sent anywhere. If you clear your browser or app data, you lose your SmartSaver data — so use More → Your data → Export backup first.
Yes, once installed as an app. All features work without internet.
New "How to use" onboarding tour. Expanded Money tips library. Tap-to-cycle theme and language from the More screen.
Light and dark themes. English, German and Spanish support.
Log daily spends. Save recurring decisions as templates. Share decisions as images.
Weekly activity summary with smart suggestions based on your data.
Affordability calculator, savings goals, decision history, eight tools, multi-currency.
Your personal money decision toolkit. Before you make a money decision, ask SmartSaver.
SmartSaver helps you understand the consequences of everyday money decisions — before you make them.
Built with care. Data stays on your device.
SmartSaver does not collect, transmit, or store personal information on external servers. Everything you enter lives only in your browser's local storage on this device.
No sign-up. No analytics. No ads. No third-party services see your data. What you enter is yours alone.
You can export your data at any time as a backup file. You can reset everything with one tap from the More tab. Clearing browser data erases SmartSaver — back up first.
SmartSaver provides calculations and planning tools, not personalized financial advice. Always consider your full situation before making money decisions.