FIVAMO: Budget & Debt Tracker
Savings, Bills & Spending
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
FIVAMO is a free personal finance app for iPhone that brings income, fixed costs, debts and savings goals together in one place — no account, no ads, no subscription.
All data stays on your device. FIVAMO requires no sign-up, connects to no bank, and collects no usage data.
WHAT FIVAMO ANSWERS
- How much money is actually left this month?
- Where does my income go — fixed costs, savings or free to spend?
- Who do I still owe, and by when?
- When will I reach my savings goal at my current rate?
YOUR COCKPIT
- Income, fixed costs and savings rate at a glance
- "Free to spend" — what's left after every commitment
- A colour-coded cashflow bar shows instantly when you're over budget
- Fixed costs grouped by category, with their share of your income
SAVINGS GOALS
- Track several goals at once
- A visual progress ring for each goal
- Set a monthly rate and a target date
DEBTS WITH HISTORY
- Instalment debts with repayment progress
- Log individual payments with dates — the history stays traceable
- Mark debts as settled and look them up later
- Due and overdue items are highlighted
- Filter by due date: overdue, within 7 days, within 30 days
BUILT-IN CALCULATORS
- Compound interest calculator with a chart across the full term
- Gross-to-net salary calculator for German tax classes (available on German-language devices)
YOUR DATA STAYS WITH YOU
Everything is stored locally on your iPhone. No account, no tracking, no cloud. You export backups as a file yourself — you stay in full control.
FIVAMO is made for people who simply want to understand their finances.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
More security, more polish: you can now lock FIVAMO with Face ID or Touch ID. All amounts display correctly again, entering numbers is more reliable, and lots of small things run smoother.
The developer, Hanif Arouna, 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 Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Hanif Arouna
- Size
- 26.1 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPod touch
Requires iOS 15.1 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.
- iPhone
- Languages
- English and German
- Age Rating
4+
- 4+
- Copyright
- © 2026 Hanif Arouna