Savio
An AI companion for the one question budget apps never answer: can I afford this, right now? It reasons over your real income, commitments and goals.
ProblemMoney apps tell you where your salary went. None answer the question you actually have. Can I afford this, right now? Will it break something I've already promised? So people guess. Guessing is how a month quietly goes wrong.
DecisionCode works out every number. The AI writes the sentence you actually read. In testing it called 8 of 9 purchases regrets when the real answer was 7 of 8, so rather than add a checker on top I took the AI out of that job.
EvidencePrimary research, 10 interviews and 31 survey responses across four countries. 45% do the maths in their head with no tool at the moment of decision. 71% wanted to see what a purchase does to their savings, the strongest signal in the study. Four people had already invented their own safety rule.
OutcomeA live app that would rather stay quiet than show a number it can't stand behind. Trust built in, not promised in small print.
How I Picked the Moment
Six interviews said financial decisions are slow burns. The prioritisation scored that finding last. I read the frequency as wrong and built for it anyway.
What I readFinancial decisions are slow burns, not checkout moments. Five of six interviews. One person deliberated on a phone for a year.
What the room didScored it last of four, 18 out of 125, as a quarterly problem.
What I disagreed withNot the problem. The frequency. The window is long, but its book-ends are monthly.
What I ruled outThe checkout. Nobody opens an app in a fitting room, and an app cannot see that moment coming.
What I pickedPayday. The day a bonus arrives. The days after a purchase, when you know whether it was worth it.
What I lockedNo mid-purchase interventions, ever. The first thing I fixed and the hardest to hold.