Gavia: Budget & Expenses 앱 분석 (10월 21일)

Gavia is a bank-connected expense tracker. Connect your bank once, and every transaction arrives sorted into categories with readable merchant names, so you always know how the month is going. It's built on a simple idea: awareness changes spending more reliably than restriction. When you can see clearly what you spend on, you spend more deliberately and save more over time, without limits to set or warnings to ignore. NOTHING TO MAINTAIN Connect your banks, all of them, once. Gavia brings in your transactions and sorts them into categories that make sense. No manual entry, no receipts, no spreadsheets. If something lands in the wrong category, fix it once and Gavia remembers. RECURRING PAYMENTS, FOUND FOR YOU Subscriptions, rent, utilities and other regular charges are picked out automatically, so you know what's already committed before the month starts, and can spot anything you no longer use. TRAVEL SPENDING, FINALLY CLEAR Gavia notices when a trip starts and shows what you're spending day by day while you're away, instead of leaving it all for the statement when you're home. YOUR WHOLE NET WORTH Add savings, investments, pension, property and debts alongside your bank accounts, and see where you stand as a whole, not just this month's spending. SHARED WITH YOUR PARTNER Share accounts with your partner and see household spending in one place, with each of you keeping your own login. THE FULL PICTURE Spending by category: weekly, monthly, yearly History from day one, up to ten years back depending on your bank A calm, quiet design that doesn't compete for your attention AWARENESS, NOT LIMITS Some months cost more than others. Gavia shows you what happened and leaves the decision to you. There are no limits to break and no red warnings. READ-ONLY, BY DESIGN Gavia connects through regulated European open banking (PSD2) via Enable Banking, a licensed account information provider. You sign in at your own bank, so your credentials never pass through Gavia. The connection can only read transactions. It can never move money. YOUR DATA ISN'T THE PRODUCT Gavia is a paid app. That's what pays for it, not ads and not your data. Everything stays in the EU and is used for one thing: showing you your own money. TRY IT FIRST The whole app is open in demo mode with sample data, so you can look around before connecting anything or paying anything. AVAILABLE ACROSS EUROPE Gavia is available in Austria, Belgium, Bulgaria, Croatia, Cyprus, Finland, Greece, Ireland, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia and Slovenia, with more countries and more banks on the way. Gavia requires a subscription: €4.99/month or €34.99/year. Payment is charged to your Apple Account. Subscriptions renew automatically unless canceled at least 24 hours before the end of the period. Manage or cancel in your App Store account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://gavia.app/privacy Service Terms: https://gavia.app/terms