What happens if I go over a limit?

The category shows how far over you are, and the month's total updates. Nothing is blocked; the limit is there to tell you, not to stop you.

Can I carry leftover money into the next month?

Yes, in the monthly close. You can also move it to a savings goal.

Can I use Yavo without a budget?

Yes. Cash flow mode shows income and spending without limits. Add a budget whenever you want more structure.

iPhone and Android

Always know what is left.Never start from zero.

Budgets die when the typing stops and when the month resets. Yavo fills the limits by itself and closes the month in a few taps instead of a reckoning.

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Free to try. Cancel anytime.

Yavo screen with suggested spending limits per category for October

How it works

Set a monthly budget and limits
Pick a limit per category, or take the ones Yavo suggests from how you actually spend.
Spending counts against the limits by itself
Apple Pay taps, statements, receipts and voice entries all land in the right category and update what is left.
Close the month in a few taps
Carry leftover money into the next month or move it to a goal, then review the suggested limits for the month ahead.

Honest limits

Suggested limits need a month or two of spending to be useful. Until then, set them by hand.
Yavo is not zero-based budgeting. Money that is not assigned to a category simply stays unassigned.

Questions

Nothing to type.Nothing to connect.

Apple Pay taps in stores, statements by email, receipt photos and voice, all counting against a budget you can actually keep.