Yavo: Voice Budget Tracker

Expense & Tax for Freelancers

Free · In‑App Purchases · Designed for iPad. Not verified for macOS.

New: Yavo for freelancers. A Business space keeps work money apart, with your tax profile, tax deadlines and clients. And watch your words appear as you speak. Yavo is an expense tracker you can talk to. Say "Coffee, 4.80" and the expense is saved with its category. Yavo now works for freelancers too: a separate Business space keeps your work money apart, with your tax profile, tax deadlines and clients. ADD EXPENSES WITHOUT TYPING • Voice: say what you spent in your own words and watch the words appear as you speak. Yavo picks out the amount and the category. • Receipts: snap a paper receipt and Yavo reads the merchant, total, tax and line items. • Apple Pay: set up one Shortcuts automation and every Apple Pay payment becomes an expense (iOS 17 or later). • Email: send bank statements (CSV, XLSX, PDF) and receipts to your personal Yavo address. New senders need your approval first. • Share: send receipt photos, screenshots and PDFs to Yavo from any app. • Type it: date, category, payment method and notes, when you prefer to type. • No connection? What you add is saved and sent when you are back online. Imported transactions wait in one list for your review. FOR FREELANCERS: THE BUSINESS SPACE • Business and personal money apart, each with its own Home • Business income, expenses and profit, what to set aside for tax and what is free to spend • A tax profile for any country, with built-in rules for the US (sole proprietor), Germany (Kleinunternehmer or Regelbesteuerung) and Ukraine (FOP groups 1-3 and the general system) • A tax calendar for any coutry: payment and filing deadlines, with reminders before they are due • Clients: see who paid you what this year BUDGETS AND LIMITS • A monthly budget with a daily pace, so you know what is left for today • Category limits with alerts • Savings goals with a deadline and progress • Recurring payments and subscriptions in one place DEBTS AND NET WORTH • Credit cards, loans, mortgages and car loans with payoff progress, due dates and interest • Net worth across cash, stocks and crypto, priced automatically MORE • Any currency, with totals in your main currency • Attach photos and files to any transaction • Export any period: a PDF summary, a CSV of every transaction and the receipt images, sent to your email • A notifications inbox YOUR DATA Yavo never asks for your bank login or card numbers. You decide what goes in. FREE AND PREMIUM Start for free: voice, receipt scans, email import, Apple Pay import and attachments each come with a free allowance. Premium removes the limits and adds the Business space, export and more. You can try the Business space free in the app first. Plans and prices are shown in the app before you pay. SUBSCRIPTION DETAILS Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours before the end of the current period. You can manage and cancel your subscriptions by going to your account settings on the App Store after purchase. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://yavo-app.com/privacy

  • 3.0
    out of 5
    2 Ratings

Yavo now works for freelancers too. • Business space: keep work money apart from personal, with its own Home for income, expenses, profit and what to set aside for tax. Part of Premium, and you can try it free in the app first. • Taxes: a tax profile for any country, with built-in rules for the US, Germany and Ukraine (FOP). For these three, a tax calendar with payment and filing deadlines and reminders. Ukrainian FOP groups 1-3 also see their income limit. • Clients: pick a client when you add business income and see who paid you what this year. • Live voice: watch your words appear as you speak. • Light theme: Yavo now follows your phone's light or dark mode. To choose yourself, open Settings > Appearance. • Categorize many imported transactions at once. • Category stats by week, month, 6 and 12 months. • Attach photos and files to transactions, and share PDFs straight into Yavo. • Correct an account's balance, credit cards included, and change or remove the amount carried into a new month. • A notifications inbox, and many fixes.

The developer, Mykola Kipnyak, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Linked to You

    The following data may be collected and linked to your identity:

    • Financial Info
    • Contact Info
    • User Content
    • Identifiers
  • Data Not Linked to You

    The following data may be collected but it is not linked to your identity:

    • Contact Info
    • User Content

Privacy practices may vary, for example, based on the features you use or your age. Learn More

The developer has not yet indicated which accessibility features this app supports. Learn More

Seller
Mykola Kipnyak
Size
80.8 MB
Category
Finance
Compatibility
Requires iOS 16.4 or later.
  • iPhone
    Requires iOS 16.4 or later.
  • iPad
    Requires iPadOS 16.4 or later.
  • Mac
    Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
English and 4 more
  • English, Bulgarian, German, Russian, Ukrainian
Age Rating
4+
In-App Purchases
Yes
  • Yavo Premium Yearly $39.99
  • Yavo Premium Yearly $39.99
  • Yavo Premium Monthly $5.99
Copyright
© 2026 Mykola Kipniak