Unlimited expenses, even on Free
Add as many expenses as you like, every day, with no waiting and no ads. On iPhone, iPad and Android.
Splitwise alternative
The free Splitwise alternative with no ads and no expense limit
Splitwise keeps some features for its Pro subscription, and its free version limits how many expenses you can add each day. In SAVY, the free version gives you unlimited expenses, no ads, and works out who owes whom.
Who owes whom, kept simple
SAVY works out everyone's balance and cuts repayments down to the fewest transfers. Tap "Mark as repaid" to update the balance, even for a partial repayment.
One subscription for the whole household
If you want more, SAVY Plus is paid by the household owner and unlocked for every member: custom splits, unlimited members, category budgets, CSV and PDF export.
A budget, not just debts
A monthly budget with alerts, recurring expenses for rent and subscriptions, monthly stats: SAVY helps you spend less, not just pay each other back.
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
Is SAVY really free, unlike Splitwise Pro?
SAVY's essentials are free with no ads: unlimited expenses, who owes whom, repayments, up to 4 members per household and a monthly budget. SAVY Plus is optional and covers the whole household with one subscription.
Can I split an expense unequally?
Yes, with SAVY Plus: by percentage, by shares or by exact amounts. On Free, each expense is split equally between the people you choose, and an expense can be marked as personal.
Does SAVY support other currencies?
Yes. Each household has its own currency, and the app is available in English and French.
How do I switch from Splitwise to SAVY?
Create a household, invite the other members by link, then add current balances as expenses. File import is planned for SAVY Plus, with no guaranteed date.
Other alternatives compared
- A Tricount alternative built for the household budget
- A Settle Up alternative for everyday shared expenses
- 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