Built around the household, not just the group
In SAVY, a household brings together people who share daily life: a couple, a family or roommates. Everyone sees expenses, balances and the monthly budget in one place.
Settle Up alternative
A Settle Up alternative for everyday shared expenses
Settle Up is often used to split the costs of a trip or a group of friends. When sharing lasts all year, with rent, groceries and bills, SAVY adds what a simple debt tracker leaves out: the household budget.
Rent and bills, without re-entering them
Set up rent, electricity or internet once as recurring expenses. SAVY adds them every month with the right payer and split.
Trips too
One account can belong to several households. Create a "Holiday" household with its own currency, then switch back to your flat in one tap.
A budget that warns you before it spills over
Set a monthly budget and get an alert at 80, 90 and 100%. With SAVY Plus, add category budgets: groceries, leisure, kids.
Balance
Who owes whom? SAVY does the math
No more back-of-the-napkin maths. SAVY works out each member's balance and suggests the fewest repayments needed to get everyone square.
- Per-member balances, updated with every expense
- A "To settle" list cut down to the minimum
- "Mark as repaid", even for part of the amount
- Repayment history, with a note ("bank transfer")
Who owes what
You owe €32.50 to Lea
Thomas owes you
+ €24.00Mark as repaid
Everyone's square!
Well done, colony: the books are at zero.
Frequently asked questions
What's the difference between SAVY and Settle Up?
Both work out who owes whom. SAVY is designed for a household sharing costs day to day: on top of balances, it handles recurring expenses, a monthly budget with alerts and stats.
Does SAVY support multiple currencies?
Each household has its own currency. For a trip abroad, create a dedicated household in the local currency.
Is SAVY free?
Yes: unlimited expenses, who owes whom, repayments and up to 4 members per household, with no ads. SAVY Plus is optional and covers the whole household with one subscription.
Other alternatives compared
- A Tricount alternative built for the household budget
- The free Splitwise alternative with no ads and no expense limit
- A Splid alternative built for household expenses
- A Bankin' alternative with no bank connection, built for sharing
- A Honeydue alternative for managing money as a couple
- A Spendee alternative that also works out who owes whom
Ready to join the colony?
Download SAVY, create your household and invite your people. The books keep themselves.
- Free version
- No ads
- Ready in 2 minutes