A budget and expense tracker with subscription control, in one app. Renevo works out what you can spend today, and tells you before the month does.
Free forever · No card needed
Illustrative data, not real customer figures.
None of these is a big deal on its own. Together they make the last week of the month tighter than the first.
One trial you meant to cancel. One app you used twice. One thing your ex signed up for. None of them big enough to notice on their own.
You know roughly what you earn. You have no idea what happened between the 3rd and the 19th, and looking it up feels worse than not knowing.
Insurance in March. Road tax in June. The annual plan you forgot renews annually. You knew about each of them once.
And nothing is ever left, because saving is last in the queue instead of first.
You’re not the only one.
Source: C+R Research, survey of 1,000 consumers, 2022. Spend gap also reported by CNBC, 2022. Figures are US-sourced.
Before I started Renevo, I never knew how much I had left for the month, or what was still pending. I built it so I could see both at a glance.
Everything below works in Renevo now, in any browser. What we’re still building is listed at the end, so you know which is which.
What you can spend today without going over, worked out from your income, bills and goals. It updates every day.
Cost, status and next renewal for each one, with price rises marked. Import a bank statement and Renevo picks out the charges that repeat, or add them yourself.
The next bills and renewals in date order, and how much is still due this month.
Money for your goals is set aside before Safe to Spend is worked out, so you can watch each one fill.
Pick the widgets you want, drag them into place and resize them. Save the layout as a view, or start from a ready-made one.
A heads-up before a renewal hits, not a receipt after.
Your bank’s CSV or Excel file, read in your browser and saved only when you confirm.
Name a subscription and get the steps to cancel it.
Planned next Connecting your bank, AI insights on your own numbers and a shared budget for couples. They’ll show up here once they’re live, not before.
A spreadsheet can do most of this, if you build it and keep it up to date. Renevo does the upkeep for you.
| What you need | A spreadsheet | Renevo |
|---|---|---|
| What you can spend today | Only if you build the formula and keep it updated | Safe to Spend, worked out every day |
| Finding your subscriptions | Typed in by hand, from memory | Picked out of your bank statement in one import |
| Renewals | You find out when the charge lands | A heads-up before you’re charged |
| Saving goals | Whatever is left at the end of the month | Set aside first, with progress you can see |
| On your phone | Small cells and pinch-zoom | Works in any phone browser |
| Cost | Free | Free plan, no card needed |
October, one day at a time. The card works the numbers out the way Renevo does: pay, minus bills, goals and what you’ve spent, shared over the days that are left.
Rent, bills and subscriptions for the month take €1,190, and €400 is kept back for your goals before anything else. The €810 that’s left is yours to spend: €26.13 a day.
You hear about it three days before, again the day before, and on the day. Enough time to decide whether you still want it.
Nothing locks and nothing turns red. The rest of the month shares what’s left, so from Sunday it’s €20.00 a day instead of €26.
€260 left for 13 days. One number, no spreadsheet, and no logging in to your bank to work it out.
The €400 for your goals was never in the number you were spending from. November starts the same way.
Renevo runs in any browser today, on a phone as well as a desktop, and nothing is missing there. The native iOS app is being built now: the same account, the same numbers, with the parts that only a phone can do properly.
A widget with today’s number, so checking costs one glance and no app.
The camera goes straight to the scanner. No upload step, no waiting until you are home.
Push notifications before a charge lands, not an email you read three days later.
Locked behind your face, and readable on a plane. Entries sync when you are back.
Your account carries over. Nothing to migrate when the app lands.
In development. Android follows after iOS.
The Free plan has the whole budget and Safe to Spend, and it stays free. Pro adds the parts that do the work for you.
€0/month
Free forever. Not a trial.
The whole budgeting engine, permanently, for nothing.
Get started freeWhat you get
€6/month
Not on sale yet. Start on Free; your account carries over.
Everything in Free, plus the parts that do the work for you.
Start on FreeEverything in Free, plus
Connecting your bank and AI insights are on the roadmap. They are not included yet.
TBA
Coming soon. Price not decided yet.
Everything in Pro, for two people and one household.
Not available yetPlanned, not built yet
Prices in euro. Renevo is run from Cyprus, in the EU.
Renevo will be paid for by Pro subscriptions and nothing else. No ads, and your data is never sold.
How your data is protected, and who can see it.
Every connection is encrypted. Sensitive details such as your income, notes and stored credentials are also encrypted with AES-256.
Sign-in runs through Clerk. You can see your active devices, sign the others out, and limit your account to IP addresses you choose.
Your financial data is not a product. It is not sold, rented or used for advertising. The few services that help run Renevo are named in the privacy policy.
Deleting your account, signing out other devices and changing your IP list ask you to confirm it is really you.
Export everything or delete everything, at any time, without emailing anyone to ask permission.
We do not run hidden analytics and we do not sell behavioural data.
Renevo will be paid for by Pro subscriptions, and that is the whole business model. It is the reason a promise like this one is worth anything.
Yes, permanently. The Free plan includes the whole budgeting and expense engine (Safe to Spend, savings goals, reports, statement import) plus up to 5 tracked subscriptions. There is no card required and no expiry. Pro exists for people who want unlimited subscriptions and the automated expense tools. It is not a wall the free plan eventually hits.
Most banks let you download a statement as a CSV or Excel file. Import it into Renevo and it picks out the charges that repeat, and you decide what each one becomes: a subscription, a fixed bill, or nothing. The file is read in your browser, and nothing is saved until you confirm. PDF statements cannot be read. If you would rather not import anything, you can add subscriptions manually and everything else still works.
Not yet. Connecting your bank is on the roadmap. Until then Renevo works from statement imports and what you enter yourself, which is why the app is built to be useful without a bank connection rather than dependent on one.
Every connection is encrypted, and sensitive details such as your income, notes and stored credentials are encrypted with AES-256. Renevo is run from Cyprus under EU law and GDPR, and you can export or delete your data whenever you want. We never sell your data or use it for advertising; the services that help run Renevo are named in the privacy policy.
It is one number that answers one question: what can I spend today without breaking the month? Renevo takes your income, subtracts your bills, your subscriptions and the money you have committed to savings goals, subtracts what you have already spent this month, then divides what is left across the days remaining. It updates every day. If you spend more on Tuesday, the days after get a little less.
Yes. Cash spending takes a few seconds to add by hand. Pro adds an AI scanner that reads a receipt’s total, date and merchant and picks a category, but Pro is not on sale yet. This matters because cash is exactly the money that usually disappears from tracking apps.
Renevo is euro-first, built for the eurozone rather than adapted to it. You can record subscriptions and transactions in other currencies too, and Renevo converts them to euro for your totals. If most of your money is outside the euro, Renevo will work but it will not be at its best yet, and we would rather tell you that now.
Renevo is run from Cyprus and works under EU law and GDPR. A few of the services it relies on are based in the US; the privacy policy names each one and the safeguards used.
Add your pay and your bills, and Renevo shows you what’s safe to spend today.
Free forever. No card needed to start.