I created Income Allocation "Automation" with Formulas Only
Not another AI slop. This template is born from a human. Hahaha.
Yes, I made the income allocation automated without needing a subscription. I use Today, Start Date, and End Date in combination to create a formula that calculates the running monthly total, so it updates the amount automatically as each month rolls over. I thought this was going to be easy since I did it in just 30 minutes. But I spent a whole month before I finally figured everything out.
It started simple, but features like payday scheduling, additional funds, fund deductions, and start/stop toggles made keeping numbers accurate in every situation really complex. And that's on top of five databases, each built on a different formula combination, covering five types of spending — Recurring, Irregular, Scheduled, Emergency Fund, and High Frequency Expenses (the tricky one).
I used to be a big believer in expense tracking for years, till I realised that knowing how much I spent didn't make me financially sustainable or give me peace of mind. It just showed me numbers. I had tried several systems in Notion for several years to manage my money, till this one finally stuck.
At Savvey, we focus on:
sustainable financial lifestyle,
frictionless to maintain,
dynamic - built to handle money the way it works in the real world,
and still get to enjoy life.
We want numbers that guard us, guide us, and help us make better decisions.
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Not another Expense Tracker or Budgeting Tool
It is a Personal Finance System that focuses on building a sustainable financial. It handles your income allocation and spending not as a tracker or budgeting tool, but as a smarter system that surfaces the numbers that actually matter to you.
It allocates your income every payday for you
No more manually managing your monthly spendable amount. Humans make mistakes, systems don't. Your utilities, mortgage/loans, personal care, annual car insurance renewals, yearly trips, all handled by the system automatically. Even one-off payments are broken down into monthly allocations. The system keeps your essentials covered and shows you what you can truly spend.
Your high-frequency expense budgets are updated every day
Once you set up your expenses in the Autopilot module, it keeps your budget amounts updated daily based on your preferences. This module eliminates 60% of the time you'd normally spend tracking expenses.
It tells you the numbers your bank balance can't
Your bank balance doesn't know what each dollar stands for, so it can't give you reliable numbers to follow, like how much cash you actually need right now, or how much is truly spendable. This is where financial problems start piling up.
You just follow the numbers
All you need to do is ensure your bank balance matches the number the system shows you, and stay within the spending range it gives you. Everything else takes care of itself. Feel like a number doesn't sit right? Just adjust it and keep going.
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This is one of the most interesting things I've ever built. Check out the official website for more photos and details — the Launch Promo ends this coming Friday~: