Everything your group needs to keep its money straight
Savipy is a shared ledger for groups that save and lend together. Here's what's inside, from the first contribution to the year-end statement.
One running balance, the same for every member
Every deposit and withdrawal goes into the ledger with its date, method and a note. Members see the same running balances, so there's no second notebook to compare against. Entries stay pending until someone with the authority approves them.
- Record deposits and withdrawals with date, method and note
- Running balances visible to everyone in the group
- Pending and approved entries kept clearly apart
- A history you can read back, line by line
Lend from the group's savings, and keep track of every repayment
A loan moves through three steps: request, approve, disburse. You choose the interest, reducing-balance or flat, and Savipy builds the repayment schedule from it. Loans draw on group savings and use internal transfers, so the books stay consistent.
- Request, approve, then disburse, with a record at each step
- Reducing-balance or flat interest
- Repayment schedules broken into installments
- Outstanding and overdue loans easy to spot
Save toward something together
Set a target the group is working toward, whether that's land, equipment or a year-end payout. Move savings into the goal and watch progress build. Goal money is kept separate in the books, so it never gets mixed up with everyday savings.
- Group savings targets with progress you can see
- Move savings into a goal when you're ready
- Goal funds kept apart from general savings
- Every move recorded in the ledger
Move money inside the group without breaking the books
When funds move between members or accounts, Savipy records both sides of the transfer. One leg out, one leg in. The ledger balances because the entries do.
- Internal transfers between members and accounts
- Both legs recorded for every transfer
- The same approval rules as any other entry
- Used by loans to move money from savings
Transfer
Two legs, one movement
A statement ready when a member asks, a report ready when you meet
Export what you need as PDF or CSV. Give each member their own statement, schedule the reports you send on a regular rhythm, and pull an audit export when someone wants to check the work.
- PDF and CSV exports
- Per-member statements
- Scheduled reports for regular meetings
- Audit export for a closer look
Everyone gets the access that fits their role
One organisation can run several groups, and authority is specific to each group. A treasurer records, the chairperson approves, and members see what's theirs. Nothing counts until it's approved.
- Roles such as treasurer, chairperson, member and admin
- Authority set per group, not once for everything
- Several groups under one organisation
- Entries only count once approved
One record on every device
Use Savipy in the browser or through the native iOS and Android apps. Record a contribution on your phone at the meeting, then review the books on a laptop afterwards. It's the same ledger, and in-app and push notifications tell members when something needs them.
- Web app plus native iOS and Android apps
- The same ledger on every device
- In-app and push notifications
- Record on the spot, review later
Start keeping a cleaner record today
Create your group in a few minutes. The Starter plan is free, and there's nothing to install to try it.