Spend with clarity
See what a purchase changes.Then decide.
BACIVO shows how a purchase would affect your spending room, spending status and savings — before you spend.
BACIVO Impact
Weekend trip
€350
Daily Spending Room
Spending Status
Savings Outlook
This purchase would reduce your daily spending room by €18/day until payday.
Make the consequence visible
Know what you can spend today.
BACIVO turns your balance, upcoming bills, planned savings and payday into one clear Daily Spending Room.
Balance
+
Bills ahead
+
Planned savings
+
Payday
Daily Spending Room
€34/day
One number that makes your spending room easier to understand.
Your money
What you actually have available.
What's still ahead
Bills and savings BACIVO protects before payday.
Your payday
BACIVO works around your real salary cycle — not just the calendar month.
The BACIVO loop
Before. After. Back on track.
BACIVO Impact
Check the impact
See what a purchase would change before you spend.
Impact Receipt
See what changed
Impact Receipt makes the consequence visible after the purchase.
Recovery
Find your way back
If your spending room gets tight, Recovery shows practical ways back.
A clearer decision
BACIVO doesn't make the decision for you.It makes the consequence visible.
No guilt.
No buy / don't buy verdict.
Just clearer information before you decide.
Make the consequence visible
See what your next purchase changes.
Try BACIVO and understand your spending before payday.
No bank login required.