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Credit Bureau Insights (Tasdeeq & DataCheck)
Understand what lenders see. Interpret your credit score range, risk bands, and overdue histories without confusing jargon.
Transparent Scoring Standards
Financial Tracking + Credit Score Intelligence
Master your money today.
Protect your credit & peace.
Pakistan's private financial operating system: track cash, bank accounts, and mobile wallets in one ledger, understand credit bureau facts (Tasdeeq / DataCheck), and stay ahead of repayments with zero CNIC required.
No CNIC RequiredAES-256-GCM EncryptedPKR, Banks & WalletsSBP Mohtasib Aligned
Bureau Score Insight
Tasdeeq / DataCheck Model
735/ 850
Revolving Utilisation28%
Healthy (< 30%). Keeping balances below this protects your score.Dispute Assistant: Ready to draft SBP-compliant dispute letter if defaults are reported in error.
All data encrypted locally with AES-256-GCM. No money is moved.Try Demo →
Interactive Financial Tool
Calculate Your Debt Service Ratio (DSR) & Breathing Room
State Bank of Pakistan guidelines suggest keeping total debt payments under 35-40% of income. Slide your numbers to test your position in real-time.
Debt Service Ratio (DSR)
28%Healthy / Safe
Complies with SBP prudential regulations. You have substantial headroom for savings and emergencies.Net Breathing Room
Build your custom planPKR 43,000
Cash left over each month for emergency savings and investments.The Complete Solution
Two Powerful Engines in One Private Platform
Whether you want to organise everyday spending across your accounts or protect your credit standing, Savvy provides the complete financial architecture for Pakistan.
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SBP Banking Mohtasib Dispute Assistant
If an institution reports inaccurate late fees, disputed card transactions, or fails to release title documents, Savvy prepares a formal complaint letter formatted to State Bank consumer protection guidelines.
Pre-Structured Regulatory Drafts
03
Revolving Credit Utilisation Tracker
High card balances hurt credit scores. Savvy calculates your aggregate utilisation across all cards and alerts you before crossing the critical 30% barrier.
Protects Borrowing Power
04
Paydown Schedules & Markup Breakdown
Clear educational repayment roadmaps showing exactly how much of your payment goes towards principal reduction versus bank markup or charges.
Exact Paisa Precision
Why Savvy
How Savvy Compares to Alternatives
| Feature / Capability | Savvy Pakistan | Generic Budget Apps | Excel / Spreadsheets | Unregulated Loan Apps |
|---|---|---|---|---|
| Dual Financial & Credit Tracking | Both included | Expense only | Manual effort | |
| Zero CNIC Required for Signup | No CNIC needed | Mandatory scan | ||
| Debt Service Ratio (DSR) Calculator | SBP Prudential standard | Manual math | ||
| SBP Banking Mohtasib Dispute Letter | Automated draft | |||
| Multi-Account (Cash, Banks & Wallets) | Built for Pakistan | US/EU accounts only | High manual entry | |
| Native Urdu & RTL Typography | First-class Urdu | English only | ||
| Client-Side Encryption (AES-256-GCM) | Independent journal | Unencrypted files | Harvests contacts |
Got Questions?
Frequently Asked Questions
Everything you need to know about financial tracking, credit scores, and privacy in Savvy Pakistan.