There's $1,200 in your account. But rent hasn't gone out yet, and neither has your phone bill or your electric bill. So how much can you actually spend today?
Sève answers that question every morning, with a single number. Stay under it, and your month goes by without stress.
What Sève does for you
- Your safe-to-spend number for today, computed after rent, bills and savings.
- Your three envelopes: half for what must be paid, 30% for treating yourself, 20% set aside for you.
- On payday, you pay yourself first. Whatever's left, you can spend with a clear head.
- Logging an expense takes three seconds. Your subscriptions are deducted automatically each month.
- Your budget stays on your phone. No bank connection, no account to create — your numbers are never sent anywhere.
The 66-day plan
Researchers at University College London measured how long it takes for a new behavior to become automatic: 66 days on average. Sève's plan is built on it.
One card a day. Two minutes. One concrete action to take that same day.
- Day 1: you finally see where your money goes.
- Day 33: you set money aside without thinking about it.
- Day 66: your money starts working for you.
No jargon, no lectures. Plain sentences, situations you actually live, and diagrams you read at a glance.
Sève+ also includes
- Every expense logged, no limits, with the full journal and this month's envelopes.
- The subscription radar: what each subscription really costs you per year, so the forgotten ones stand out.
- The Investing Path: a simulator that shows what your savings become over time — and what waiting costs you.
Seven days free to try everything before you decide. Cancel anytime in two taps.
Sève is for you if you want to
- Track your expenses daily, without giving up your evenings.
- Manage your monthly budget: what comes in, what goes out, what's left.
- Set money aside every month, even a little, even irregularly.
- Run a budget as a couple or a family, on separate accounts.
- Know where your money goes, category by category, groceries included.
- Save on subscriptions and recurring bills.
- Keep a simple expense log, with an envelope for each category.
WHO IS IT FOR?
For people who stopped opening their banking app because it stresses them out. For people who earn a decent living and still end the month in the red. For people who want to save without a spreadsheet, a course, or giving up their evenings.
Sève. French for “sap” — the energy that makes things grow.
Sève requires the Sève+ subscription, monthly or yearly, with a seven-day free trial for new subscribers. The price is shown in the app, in your currency, before any payment. It renews automatically unless canceled at least 24 hours before the end of the current period.
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