Upcoming bills
Electricity — synthetic · 2026-10-16 · PKR 5,000
Manage billsAll names, balances, report facts and scores here are synthetic examples. Explore scenarios; create an account to save your own plan.
Your financial clarity
Hello, Ayesha (synthetic). Let's make a plan.
A clear view of your commitments, without needing a credit report.
Your credit health
Payment issue
A payment reached 30 days late.
Payment history carries the most weight. Bringing accounts current is the fastest way to recover; talk to the lender early if you cannot pay.
Open repayments →Savvy credit-health index
GoodHigh confidence · from your bureau reportAn educational estimate, not a bureau score or a lending decision.Bureau score (as printed)
Not available
No verified printed score. This does not mean your score is zero.
Review credit reportsDebt burden
20%
Share of monthly income going to repayments. Many lenders look closely above about 40%.What's driving it
Payment history 35%Fair
A payment reached 30 days late. Late marks weigh less over time once you stay current.Credit utilisation 30%Needs work
Overall card use is 64%; Example bank — synthetic (64%) is the main driver. Under 30% is the target.History length 15%Great
Your oldest account dates to Jan 2015 (about 11 years). Keep long-standing accounts open.New credit & BNPL 10%Fair
2 enquiries in about six months. Spacing applications out helps this recover.Credit mix 10%Great
A mix of cards and instalment loans helps a little. Never take credit you do not need just to change this.Key insights
Utilisation is your biggest lever
Cards are 64% used on average.
Repayments look manageable
About 20% of monthly income goes to repayments.
Negative marks
Example bank — synthetic: late paymentLate
A payment reached 30 days late. How long it stays visible depends on bureau and SBP rules; Savvy does not promise a removal date.Card utilisation
Utilisation coach →Example bank — synthetic
64%
Pay PKR 51,000 to reach 30%Your money this month
Recorded account balances
PKR 50,800
All accounts · current balanceIncome received
PKR 60,000
2026-10Expenses recorded
PKR 21,200
Net of refunds; debt principal excludedNet cash out, including repayments: PKR 21,200Earmarked savings: PKR 15,000
Savings goals
Emergency fund — synthetic: PKR 15,000 / PKR 150,000
Manage goalsRepayment planning
Remaining after this month's plan
PKR 8,000
Income minus essentials and projected scheduled paymentsThis month's unpaid repayments
PKR 12,000
Includes projected recurring dates; excludes unknown chargesEntered outstanding balances
PKR 188,000
3 active commitmentsYour financial clarity
Upcoming repayments
Record payments after you make them through your institution.
Example institution — synthetic
ActiveMonthly instalment
PKR 120,000
Due date2026-10-16
Unpaid instalmentPKR 8,000
FrequencyMonthly
SourceUser entered
Payment history & controls
No payments recorded.
Example bank — synthetic
ActiveEveryday card
PKR 50,000
Due date2026-10-20
Unpaid instalmentPKR 4,000
FrequencyMonthly
SourceUser entered
Card utilisation33.33%
Payment history & controls
No payments recorded.