Spend with clarity
See what a purchase changes.Then decide.
BACIVO shows how a purchase would affect your spending room, spending status and savings — before you spend.
A few seconds to log a purchase. A clearer picture of what comes next.
BACIVO Impact
Running shoes
€96
Daily Spending Room
Spending Status
Savings Outlook
Daily Impact: −€8/day until payday. Your savings plan stays protected.
Free while we launch. No bank login required.
How the number works
Know what you can spend today.
Bills and savings come off first. What's left is shared across the days until payday.
Daily Spending Room
€34/day
Example: (€900 − €290 − €150 − €52) ÷ 12 days = €34/day.
A more intentional money habit
A small check-in. A clearer picture.
When you record a purchase, you give yourself a moment to notice what changed. BACIVO updates your Daily Spending Room so your next decision has more context.
Record it
A quick entry when you spend. No spreadsheets, no bank login.
See the change
Your Daily Spending Room updates to reflect it.
Decide with context
Your next choice starts from clearer numbers.
Inside the app
Before. After. Looking back.
Example screens with demo data.
Home
What's available to spend, and your room per day until payday.
Impact Receipt
After a purchase, see exactly what it changed.
Your decisions
A simple journal of what you checked and what you chose.
A clearer decision
BACIVO doesn't make the decision for you.It makes the consequence visible.
No guilt.
No buy / don't buy verdict.
Just clearer information before you decide.
Who is it for?
People who get paid on a fixed day and want to know what they can safely spend today — without spreadsheets or connecting a bank.
Is it free?
Yes, BACIVO is free while we launch. A paid plan may come later, and you will be told well in advance, before anything changes.
Questions
What is BACIVO?
A spending-awareness app. It turns your balance, bills ahead, planned savings and payday into one Daily Spending Room, and shows what a purchase would change before you spend. It is not a bank or financial adviser.
Do I need to connect my bank?
No. You enter your balances, upcoming bills and spending yourself. For some people, that quick check-in can be a helpful moment to notice where money goes and what it changes. No bank connection is needed.
Where is my data stored?
Your account and the numbers you enter are stored with our hosting provider so you can use BACIVO across devices. We don't ask for card numbers, account numbers or national identifiers. The Privacy Policy lists every provider.
Can I delete my data?
Yes. In Profile > Privacy & data you can download all your data or delete your account yourself at any time.
Make the consequence visible
See what your next purchase changes.
Try BACIVO and understand your spending before payday.
Free while we launch. No bank login required.