Most budgets die of typing. Yavo logs your spending by itself: Apple Pay taps in stores, statements by email, receipts and voice. No bank login, ever.
Free to try. Cancel anytime.
Tap to pay like always, and the purchase logs itself. One-time setup in the Shortcuts app.
Blue Bottle Coffee
Coffee
-$4.80
Online orders and your other cards come in this way: email a CSV, XLSX or PDF statement to your Yavo address.
Trader Joe's
Groceries
-$62.14
Cash or card, a photo of the receipt is enough. Yavo reads the merchant, the date and the total.
Nopa
Dinner
-$86.00
Say what you spent while you still remember. Yavo logs it with a category.
Walgreens
Pharmacy
-$12.49
Small taps are the purchases nobody writes down. Set up Shortcuts once, and every in-store Apple Pay payment logs itself.
A coffee, groceries, the pharmacy. You hold your iPhone to the terminal like always.
iOS notices the payment and runs the Yavo shortcut in the background. Nothing to open, nothing to confirm.
The merchant and the amount land in your feed and count against your category limit for the month.
Works for Apple Pay taps in stores on iPhone with iOS 17 or later. Online purchases and other cards come in through statements by email.
Not everything is a tap at the checkout. Download a statement from your bank app and email it to your personal Yavo import address. That is how online orders and your other cards come in, still with no bank login.
Budgets and limits
A monthly budget with a limit per category, suggested from how you actually spend. Everything that comes in counts against it by itself.
Net worth
Cash, stocks, crypto and what you owe in one number, with stocks and crypto priced in real time.
Reports
A chart by category for the week, month or year, and a written report that says where the money went and what changed.
Subscriptions
Mark a charge as recurring once. From then on one tap shows every subscription, and Upcoming payments shows what is due next, so you decide what stays.
The monthly close
Instead of a reset on the 1st, Yavo walks you through a short close, so what is left goes somewhere on purpose.
More than one currency
Travel, live abroad or get paid in another currency: each expense keeps its original amount and counts in your home currency.
Most budget apps log in to your bank for you. Yavo does not, on purpose, and still fills itself.
Privacy and security in detailYavo never asks for your online banking password. There is no bank connection, so nothing stands between you and your bank.
Apple Pay taps, the statements you send, the receipts you photograph. Nothing else is read.
Delete your account in the app and your transactions, receipts and reports are deleted with it.
Prices and trials as published on each app's pricing page, checked on 5 October 2026.
| Yavo | YNAB | Monarch | Copilot | |
|---|---|---|---|---|
| Works without a bank login | Yes | Manual entry only | Manual entry only | Manual entry only |
| Automatic capture without a bank login | Apple Pay, statements by email | No | No | No |
| Free trial | 14 days yearly, 7 days monthly | 34 days | 7 days | 1 month |
| Yearly price | $39.99 | $109 | $99.99 | $95 |
| Android app | Yes | Yes | Yes | No |
YNAB and Copilot prices from ynab.com/pricing and copilot.money/pricing. Monarch price from third-party coverage, to confirm against monarch.com. In YNAB, Monarch and Copilot, automatic import means linking a bank account; each also allows manual entry.
Everything in Yavo, monthly or yearly, with a free trial first. If it is not for you, cancel in your Apple Account or Google Play settings before the trial ends and nothing is charged.
See pricingAbout $3.33 a month, 44% less than paying monthly.
14 days free
Promo code
30% off your first year with the code YAVO30: $27.99 instead of $39.99. Redeem it in the app.
Apple Pay taps in stores, statements by email, receipt photos and voice, all counting against a budget you can actually keep.
Free to try. Cancel anytime.