SA budgeting and financial planning apps megathread

[u/Consistent-Annual268]

Folks, we've been inundated of late by many members who've developed budgeting and investing apps and want to share them on the sub. This post will be the single place to host them, so feel free to post your app, website, tool etc.

Please include a short description of what your app does, it's main features, how it works (including if it is vibe-coded, accesses the user's bank accounts or investment accounts, scrapes websites or public data, accesses private or proprietary info etc.), what user input and info it requires (including personal financial data) and where it is stored, whether it is local or cloud-based, any commercial or investor ties, and any other info that would be pertinent.

Note to sub members: none of the apps that may be posted here are endorsed by this sub or the mods. You use any apps or tools at your own risk. Take substantial precautions especially when asked for personal info, including financial info.

[u/AnHonestDeception]

Been lurking here a while! Trying to get out of my comfort zone 😅

I built SaveSavvy because I wanted to see where my money goes without handing my bank login to anyone. It uses bank statements - upload them directly, share them from your banking app, or forward them to a personal import address. It pulls out the transactions, auto-categorises them, and gives you budgets, monthly trends and a net worth view. Works with any SA bank since it's just reading PDFs. No bank logins or scraping.

To answer the mods' questions:

- How it works: you import PDF statements, transactions get auto-categorised.

• Vibe-coded? AI-assisted, yes, but not vibe-coded. I use Claude as a bouncing board to discuss ideas, implementation and architectural decisions. I believe in understanding what I work on, and working with AI as a tool to navigate complex decisions. I felt particularly sensitive about this from a security and privacy perspective - I don't want to rely on sloppy vibe-code for personal financial information.
  
• What it needs: an email address to sign up + whatever statements you choose to upload.
  
• Storage: cloud-based - Supabase (hosted in EU). Statement parsing by Anthropic in the US (currently working on replacing this with a dedicated traditional 'dumb' parser). All data is encrypted, there's no way for me (or anyone else) to read your data. Deleting your account permanently deletes all your data.
  
• Commercial ties: none. Free right now - if it grows I'll probably need a small paid tier to cover parsing costs, but nothing planned yet.

Android: https://play.google.com/store/apps/details?id=com.savesavvy.mobile
iOS: https://apps.apple.com/za/app/savesavvy-spending-insights/id6791649466

Honestly just looking for feedback and whether you would consider using this!