Savida vs Splitwise: Which One's Actually Worth It?
Looking for a Splitwise alternative that doesn't require typing in every coffee, every grocery run, every Uber ride? Splitwise made expense splitting mainstream, but it also made you do all the work. There's a better way—one where your bank does the heavy lifting.
Savida
All-in-one expense splitting, budgeting, and AI coaching app. Free forever with optional premium features.
Key Advantages:
- Bank connects automatically—no more typing in every coffee
- Rules handle recurring splits without you thinking about it
- Actual budgeting built in, not just IOUs
- AI spots patterns and gives you real suggestions
- No ads, ever, even on free
- Community for when you need advice
Splitwise
The OG expense splitting app. Great for keeping track of who owes who after group dinners or trips. But it's stuck in 2015—everything's manual, and budgeting isn't even on the menu.
Key Advantages:
- Everyone's already on it (network effect is real)
- Dead simple—does one thing well
- Works offline and without bank access
- Good multi-currency support for travel
Feature-by-Feature Comparison
| Feature | Savida | Splitwise |
|---|---|---|
| Expense Splitting | ||
| Group Expenses | ||
| Bank Sync (Plaid) | ||
| Automated Rules | ||
| Manual Expense Entry | ||
| Budget Tracking | ||
| Savings Goals | ||
| AI Financial Coach | ||
| In-App Community | ||
| Receipt Scanning | ||
| Ad-Free Experience | Always | Pay to remove |
| Free Tier | Full features | With ads |
See these features in action
Download Savida and start splitting expenses in under 2 minutes.
Who Should Use What?
Pick Savida if you...
want automatic bank sync, hate manual entry, or need budgeting alongside splitting
Pick Splitwise if you...
your whole group already uses it and you only need simple IOUs
The Bottom Line
Splitwise is fine if all you need is basic IOUs and your group is already using it. But if you're tired of manual entry, want your bank to auto-sync, and need actual budgeting tools—Savida is the upgrade. It does everything Splitwise does, plus everything Splitwise doesn't.
How the Big Names Stack Up
Quick look at what each popular app does best—and what's missing.
Splitwise
The go-to for splitting bills with friends.
✓ Great for group IOUs
✗ No bank sync, no budgeting
Rocket Money
Cancels subscriptions, negotiates bills.
✓ Bill negotiation saves real money
✗ No expense splitting at all
YNAB
Serious zero-based budgeting tool.
✓ Powerful if you commit to it
✗ $15/mo, steep learning curve
Honeydue
Built specifically for couples.
✓ Clean couples experience
✗ Only works for 2 people
Mint
Free budgeting with credit score.
✓ Completely free
✗ Ad-heavy, no shared features
Savida
Splitting + budgeting + AI in one.
✓ Does it all, free core
✓ Works for any group size
Tired of juggling apps?
Most people use 2-3 finance apps and still lose track of shared expenses. Savida puts splitting, budgeting, and smart insights in one place—so you can stop switching tabs and start actually managing your money.
No credit card. No trial. Just works.