Freedom251 › Personal Finance Software
Saveo
What Saveo is
Saveo is a personal finance app for iOS and Android that connects bank and card accounts, categorizes transactions, and calculates a safe-to-spend amount. Plaid connections cover more than 12,000 institutions across the United States and Canada. Monthly and category budgets show live over-limit alerts, while recurring payments are detected, listed by due date, and paired with reminders. Insights include cash-flow views, a spending heatmap, and forecasts, with CSV and PDF statement imports. Mochi is a conversational assistant accepting spoken or typed requests and offering four personalities. Saveo has read-only access and cannot move money, open accounts, or make payments. Listed protections include AES-256 encryption at rest, TLS 1.3 in transit, certificate pinning, and biometric app locking. The maker says it is GDPR and PIPEDA compliant and does not sell user data. Premium Annual costs $59.99 a year and Premium Monthly costs $12.99 a month, billed through the App Store or Google Play; a 3-day trial is listed.
Who it suits
It suits people in the US and Canada who want app-based budgeting instead of spreadsheets. It is designed for users tracking accounts, bills, subscriptions, cash flow, and net worth from mobile devices.
What it does well
- Connects banks and cards through Plaid
- Live alerts for budget overruns
- Automatic subscription detection and reminders
- Cash-flow and spending insights
- Read-only access limits money movement
What to know first
- No free plan
- Mobile apps only
- 3-day trial
- Prices vary by billing term and region currency
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Premium Annual | Prices are shown in USD in the US and CAD in Canada; billed through the App Store or Google Play. · Unlimited bank and card connections · Automatic transaction categorization · Budgets with live over-limit alerts · Subscription detection and reminders · Cash-flow insights, heatmaps and forecasts · AI assistant by voice or text | $59.99 a year |
| Premium Monthly | Prices are shown in USD in the US and CAD in Canada; billed through the App Store or Google Play. · Unlimited bank and card connections · Automatic transaction categorization · Budgets with live over-limit alerts · Subscription detection and reminders · Cash-flow insights, heatmaps and forecasts · AI assistant by voice or text | $12.99 a month |
| Monthly | $12.99/month; prices are USD in the US and CAD in Canada, billed through the App Store or Google Play. · same features as Annual · cancel whenever you like | $12.99 a month |
| Annual | $59.99/year; prices are USD in the US and CAD in Canada, billed through the App Store or Google Play. · 3-day free trial · unlimited bank and card connections · all listed features | $59.99 a year |
As saveo.ca lists them, read 22 Sept 2026. The maker's own page has the final word.
Verdict
Saveo brings account aggregation, budgeting, recurring-payment tracking, and financial insights into mobile apps. Its read-only design and stated security controls limit transaction risk, while access requires a paid plan after the trial.
Facts from Saveo's own pages
- Access limits
- Saveo says it has read-only access and cannot move money, open accounts, or make payments. · saveo.ca, 12 Oct 2026
- Account sync
- both · saveo.ca, 22 Sept 2026
- AI assistant
- Mochi is a conversational assistant users can speak or type to, and it has four personalities. · saveo.ca, 12 Oct 2026
- Bank connections
- It connects banks and cards through Plaid, which the homepage says supports 12,000+ institutions across the US and Canada. · saveo.ca, 12 Oct 2026
- Bill tracking
- Yes · saveo.ca, 22 Sept 2026
- Budgeting tools
- Yes · saveo.ca, 22 Sept 2026
- Budgets
- The app provides monthly and category budget views with live over-limit alerts. · saveo.ca, 12 Oct 2026
- Company
- The site identifies the company as Saveo Technologies Inc. and says it is built in Canada. · saveo.ca, 12 Oct 2026
- Free plan
- No · saveo.ca, 22 Sept 2026
- Imports
- The plan includes CSV and PDF statement import. · saveo.ca, 12 Oct 2026
- Insights
- Its insights include cash-flow views, a spending heatmap, and forecasts. · saveo.ca, 12 Oct 2026
- Integrations
- Saveo names Plaid for bank connections, and its privacy policy also lists Vercel, Supabase, Firebase Analytics, OpenAI, and optional Google Sign-In as service providers or integrations. · saveo.ca, 12 Oct 2026
- Intended users
- The homepage describes Saveo as a budgeting app for people in the US and Canada who would rather not keep a spreadsheet. · saveo.ca, 12 Oct 2026
- Mobile apps
- both · saveo.ca, 22 Sept 2026
- Net-worth tracking
- Yes · saveo.ca, 22 Sept 2026
- Privacy
- The security page says Saveo is GDPR and PIPEDA compliant and does not sell user data. · saveo.ca, 12 Oct 2026
- Purpose
- Saveo connects accounts, categorizes transactions, and calculates a “safe to spend” amount for budgeting. · saveo.ca, 12 Oct 2026
- Security
- The maker lists AES-256 encryption at rest, TLS 1.3 in transit, certificate pinning, and biometric app locking. · saveo.ca, 12 Oct 2026
- Subscriptions
- Saveo detects recurring payments automatically and lists them by due date with reminders. · saveo.ca, 12 Oct 2026
- Support
- The maker provides [email protected] as its contact and security support email. · saveo.ca, 12 Oct 2026
Where Saveo stands on Freedom251
- Personal Finance Software#159 of 181