Know what's actually yours to spend.
Syvro reserves money for your bills before they're due, so the number on your screen is money you can actually spend — not just whatever's left in your bank balance.
Syvro — standing guard over your safe-to-spend number.
Your bank balance isn't your real answer.
A number that includes money you already owe to next week's bills isn't safe to spend — it just feels that way until the bill hits. Syvro fixes the math.
Add your bills once
Enter your bills and expenses by hand — no bank connection required. Set them as one-time, weekly, or bi-weekly, and Syvro handles the cadence math correctly, even across month boundaries.
Syvro reserves ahead of time
Syvro sets the full amount for each bill aside right away — not a little at a time — so it stops looking like money you can spend on something else.
You see what's really free
What's left is your actual safe-to-spend number — updated daily, with Payday Intel telling you whether things look Comfortable, Watch It, or Tight until your next paycheck.
Everything you need, nothing you don't.
Every feature below is built and included free. Nothing here is a preview of something unbuilt.
Safe-to-Spend reserve tracker
The core of the app — a daily number that sets the full amount for upcoming bills aside right away, not a little at a time.
Bill & expense tracking
Manual entry, organized by category — transportation, housing, subscriptions, and more. Rename or delete a bill any time.
Flexible bill frequencies
Once, weekly, or bi-weekly — with correct cadence math, including bi-weekly cycles that don't drift at month boundaries.
Mark as Posted
Confirm a bill has actually posted to your bank to release its reserve — named for accuracy, since posting can lag payment.
Automatic fund release
Reserved funds release on their own at due date + 3 days, or end of the calendar week — whichever comes first — even if you forget to confirm.
Payday Intel
A pressure meter for the days until your next payday — Comfortable, Watch It, or Tight — so surprises show up before they happen.
Biometric lock
App-level lock using your device's fingerprint or face unlock — replacing an earlier plaintext PIN system.
100% manual, 100% local
You type in your own numbers. Nothing syncs to a server, because there is no server. Works in portrait or landscape.
Privacy & security, not as an afterthought
This is a deliberate product decision, not a missing feature.
No bank account linking. Ever. On any tier.
No Plaid, no MX, no OAuth to your bank, no screen-scraping. You type in your own numbers, always. That's not a v1 limitation — it's the design.
Nothing leaves unless you say so
No backend, no cloud, no ads, no trackers. Data only moves when you move it — Family Sync straight to your paired phone, or an export file you choose to make.
Encrypted at rest
Sensitive data is stored using EncryptedSharedPreferences, and app access is protected by your device's biometric prompt.
We disclose trade-offs, too
Where a deliberate security trade-off exists — like screenshot-blocking being temporarily off while store-listing screenshots are captured — we say so instead of leaving it quiet.
What "reserved" actually means
- Reserving is a planning tool inside the app, not an actual funds lock at your bank. Syvro can't freeze money in your real account — only your bank can move real money.
- Reserved funds release automatically at due date + 3 days, or the end of the calendar week (Sunday–Saturday) — whichever comes first — even if you never tap a button.
- Only mark a bill as Posted after it's actually cleared your bank. Marking it early just makes your in-app number wrong — it doesn't touch your real balance.
- Releasing funds in the app doesn't cancel or reverse a real-world payment. Syvro is a ledger you keep, not a system that talks to your bank.
We'd rather explain this clearly than let anyone assume Syvro does something it doesn't. Read the full Privacy Policy for the complete details.
Free to use. Pay once if you want more.
No subscriptions. Plus and Family Sync are one-time purchases through Google Play. The Tip Jar is optional and unlocks nothing — it's just a way to support the developer.
Free
- Manual bill & expense entry — no bank linking, ever
- Daily Safe-to-Spend reserve
- Payday Intel pressure meter (Comfortable / Watch It / Tight)
- Once / weekly / bi-weekly frequencies
- Mark as Posted & automatic fund release
- Bill rename & delete
- Biometric lock
- Landscape support
- Tip Jar — optional one-time tips, no features attached
Want more? Pay once.
One-time purchases through Google Play — not subscriptions. Prices will be listed here before launch.
Plus
- Home screen widget
- Wish List
- Multiple accounts
- Goals & Savings tracker
- Spending alerts
- Goal forecasting
Buy it once and it's yours. Everything in Free stays free.
Family Sync
- Sync between two phones over Wi-Fi / Nearby Connections
- Secure, PIN-confirmed pairing between exactly two devices
- Manual .syvrosync export / import as a fallback
Requires Android 12 or newer on both phones. Your data is encrypted and goes straight from one phone to the other — there's no Syvro server in between.
We'll never dress up a feature you can't use yet as a reason to pay today. What you see is what you get.
Be first to know when Syvro launches
No spam. We'll only use your email to tell you when Syvro launches. Sign-ups reach us through FormSubmit, a form-forwarding service.
Questions? Reach us at syvrosupport@gmail.com