Automatic Transaction Sorting — Stop Categorising by Hand.
Manually tagging every transaction is tedious, error-prone, and the reason most people give up on budgeting. Savly auto-categorises your transactions the moment they are imported — matching merchant names to spending categories so you can focus on understanding your money, not sorting it.
How It Works: Four Steps to Sorted Spending
Import Transactions
Upload a CSV or Excel export from any bank. Savly's column mapper handles every format.
Savly Auto-Sorts
Each transaction is matched to a category based on the merchant name. Groceries, transport, dining — all sorted instantly.
Review and Adjust
Check the results. If anything needs changing, recategorise with one click and Savly remembers your preference.
System Learns
Every correction teaches Savly your preferences. Over time, categorisation becomes almost hands-free.
Why Manual Categorisation Does Not Work
If you have ever tried to categorise transactions by hand — whether in a spreadsheet or a budgeting app that makes you tag everything manually — you know how quickly it becomes a chore. One hundred transactions a month means one hundred decisions. Many people keep up for a week or two and then abandon the whole exercise.
The problem is not willpower. The problem is that manual categorisation is repetitive, low-value work. You already know that the Tesco charge is groceries and the Shell charge is petrol. Making you confirm that fact for every single transaction is a waste of your time.
Savly automates this grunt work so you can spend your energy on what actually matters: understanding your spending patterns and making better financial decisions.
How the Matching Works
- Merchant name matching — Savly reads the merchant or payee name from your transaction data and maps it to the right category
- Custom rules — create your own rules to override or extend the default matching for specific merchants
- Correction memory — when you recategorise a transaction, Savly applies that correction to all future transactions from the same merchant
- Bulk operations — recategorise multiple transactions at once when you want to reorganise your categories
- Cross-bank consistency — the same merchant gets the same category regardless of which bank account the transaction comes from
Custom Categories That Fit Your Life
Savly ships with sensible defaults — groceries, dining out, transport, utilities, subscriptions, entertainment, healthcare, shopping, and more. But everyone's financial life is different. Maybe you need a "Pet care" category, or you want to split "Transport" into "Commuting" and "Road trips."
You can create unlimited custom categories in Savly. Once created, they behave exactly like the built-in ones: transactions can be sorted into them automatically, they appear in all your analytics and trend charts, and they integrate with your budgets and spending limits.
Categories are personal to you. If you share a household account, each member can still customise how they view and organise their own spending.
Smart Matching
Savly reads merchant names from your transaction data and maps them to categories automatically. No manual tagging required for most transactions.
Custom Categories
Create as many categories as you need. Split, merge, or rename them at any time. Your budget, your rules.
Learning System
Every correction you make teaches Savly your preferences. Recategorise once and the system remembers for every future import.
Cross-Bank Consistency
Import from multiple banks and get consistent categorisation across all accounts. Same merchant, same category, every time.
Works With Every Bank, Every Language
Savly's categorisation is based on the merchant names in your bank's transaction export, not on proprietary bank integrations. This means it works whether your bank is in the United States, Germany, Japan, or anywhere else. If the merchant name appears in your CSV or Excel file, Savly can categorise it.
International users benefit especially. Other budgeting apps often limit categorisation to banks they integrate with directly, leaving users of smaller or international banks to sort everything manually. Savly treats every bank equally because it works with the data you provide, not the data a third-party aggregator provides.
From Chaos to Clarity in Minutes
Consider a typical month of bank transactions. You might have 80 to 200 individual entries: morning coffees, grocery runs, online subscriptions, utility bills, transfers, and one-off purchases. Without categorisation, this is just a wall of numbers.
With Savly's auto-categorisation, those same transactions become a structured view of your financial life in seconds. You can instantly see how much you spent on food versus entertainment, whether your transport costs are rising, and which subscriptions are still active. The raw data becomes actionable information.
Frequently Asked Questions
How does Savly auto-categorise transactions?
Savly matches transaction descriptions and merchant names to spending categories. When you import transactions, Savly reads the merchant name — for example "Tesco" or "Uber" — and assigns it to the appropriate category like groceries or transport. You can adjust any categorisation, and Savly remembers your preferences for future imports.
Can I create my own custom categories?
Yes. Savly includes sensible default categories like groceries, dining out, transport, and subscriptions, but you can create unlimited custom categories to match your personal or business needs. Custom categories work exactly like built-in ones across all analytics and budget features.
What happens if Savly categorises a transaction incorrectly?
Simply change the category with one click. Savly learns from your correction and applies it to all future transactions from the same merchant. If you recategorise "Costa Coffee" from dining to groceries, every future Costa Coffee transaction will go to groceries automatically.
Does auto-categorisation work with banks outside the US and UK?
Yes. Savly's categorisation is based on merchant names in your transaction data, not on bank-specific integrations. Whether your bank is in Germany, Brazil, Japan, or anywhere else, Savly reads the merchant names from your imported file and categorises them. It works with any bank that exports CSV or Excel files.
How accurate is the auto-categorisation?
Accuracy depends on how descriptive your bank's transaction data is. Most banks include clear merchant names, which Savly matches reliably. For ambiguous entries, Savly lets you categorise manually and then remembers your choice. Over time, your categorisation accuracy improves as the system learns your preferences.
Auto-sorted transactions. Instant clarity.
Start for FreeNo credit card required. Import from any bank. Categorised in seconds.