Several households, one account
Partner, roommates, a trip with friends: each household has its own members, currency and budgets. Switch between them in one tap.
- Home
- Flat on Elm StActive household
- Lisbon trip
Shared budget · couples, families, roommates
The shared budget app that works out who owes whom.
Shared expenses, balances between you, category budgets with alerts: SAVY brings your whole household budget into one free app.
- Full free version, no ads
- No ads
- No bank connection
Flat on Elm St
Left this monthOctober
€1,240.50
€1,759.50 spentof €3,000
Balance
Thomas owes you
+ €24.00
Groceries
Paid by Thomas · shared by 2
€48.20
Rent
Paid by Lea · shared by 2 · recurring
€980.00
Every household expense, sorted by category
- Groceries
- Rent
- Electricity
- Netflix
- Restaurant
- Fuel
- Health insurance
- Internet
- Insurance
- Cinema
- Pharmacy
- Taxes
- Holidays
- Shopping
Sound familiar?
Who paid for what this month?
The shared spreadsheet nobody updates. Receipts at the bottom of a pocket. The endless "how much do I owe you again?". With more than one person, money gets blurry fast.
SAVY tidies it all up. No lectures.
I did the grocery run all week. Again.
We blew the budget… but on what?
How much do I owe you for rent again?
Shared expenses
All your shared expenses in one place
Add an expense in seconds: amount, category, who paid, who it's shared with. Everyone in the household sees it right away, with a notification.
- "Paid by" and "Shared with" on every expense
- Equal split, down to the cent
- Personal expenses that don't touch the balance
- 9 categories, around 50 subcategories, plus your own with an emoji
Latest expenses
Groceries
Paid by Thomas · shared by 2
€48.20
Rent
Paid by Lea · shared by 2 · recurring
€980.00
Cinema
Paid by you · personal
€12.50
Electricity
Paid by you · shared by 2
€64.90
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.
Budgets and alerts
A budget per category, and an alert before you overspend
Set a monthly limit for groceries, leisure or shopping. SAVY warns you at 80%, 90% and 100%, so you can adjust before the month is over.
- Monthly budget per category, plus an overall budget
- Push alerts at 80, 90 and 100%
- "Left this month" always visible on the home screen
SAVYnow
Leisure: 90% of budget used (180 / 200 EUR)
October budgets
Groceries€250 / €500
50% · €250 left
Leisure€170 / €200
85% · careful, €30 left
Shopping€165 / €150
110% · €15 over
And the rest
Everything you need to stay on track, together
Recurring expenses
Rent, subscriptions, insurance: set them up once, weekly, monthly or yearly. Pause and resume in one tap, in calendar or list view.
WeeklyMonthlyYearly
Clear statistics
6-month trend, breakdown by category, comparison with last month and an end-of-month projection.
Real-time notifications
New expense, budget alert, repayment received: everyone stays in the loop without having to ask.
Invite by link
Share a link by text, WhatsApp or email. It's valid for 7 days, and people join your household in one tap.
27 currencies
Euro, US dollar, pound, Swiss franc, dirham… one currency per household.
iPhone, iPad and Android
In English and French, on phone and tablet.
Who it's for
One household, three ways of living together
Couples
Joint account or not, you both see what was paid and by whom. Personal expenses stay personal.
Budgeting as a coupleFamilies
Groceries, school meals, holidays: the whole household follows one budget, with alerts before it spills over.
The shared family budgetRoommates
Rent, internet, shared groceries: SAVY works out who owes whom, and paying back stops being awkward.
Splitting roommate expensesComparison
Why not a spreadsheet or a bill-splitting app?
| Feature | SAVY | Bill-splitting app | Banking app | Shared spreadsheet |
|---|---|---|---|---|
| Who owes whom | Yes | Yes | No | Partly |
| Category budgets with alerts | Yes | No | Yes | No |
| Automatic recurring expenses | Yes | Partly | Partly | No |
| Built for a shared household | Yes | Partly | No | Partly |
| No bank connection | Yes | Yes | No | Yes |
| Free version, no ads | Yes | Partly | Partly | Yes |
General comparison by type of tool, not of any specific app.
Pricing
Free for the essentials, Plus to go further
One subscription for the whole household: the household owner pays, every member benefits. Cancel anytime.
Free
$0forever
Everything to track the household budget, know who owes what and pay each other back.
- Unlimited expensesNo daily or monthly limit
- Up to 4 members per householdCouple, family, small house share: everyone's in
- Balances: who owes whatEqual split, personal expense, who pays back whom
- One-tap repaymentsWith notification and history
- 1 household of your ownPlus every household you're invited to
- 1 overall monthly budgetWith alerts
- 2 recurring expensesFor example rent and a subscription
- Monthly statsThis month and last month
- Household notificationsNew expenses, repayments, budget
SAVY Plus
1 subscription for the whole household$19.99per year
just $1.67 a month · or $2.99 monthly (44% off with annual)
7-day free trial on the annual plan, for new subscribers
Everything in Free, plus:
- Custom splits60/40, shares or exact amounts, even on the rent
- Unlimited members and householdsBig house share, trips with friends, home and shared flat
- Unlimited category budgetsGroceries, leisure, kids…
- Unlimited recurring expensesAll your fixed costs, automatic
- Full statsUnlimited history, comparisons, who pays what
- Unlimited custom categoriesOrganise everything your way
- Payment linkPay back via PayPal, Revolut or bank transfer
- CSV and PDF exportExpenses and repayments, for the lease, bills and taxes
Coming to Plus, at no extra cost
Receipt and invoice scanning · CSV, Excel and PDF import · Nudge a housemate · Starting balance
Upcoming features, no guaranteed date.
Prices in the United States, before tax. The exact price for your country is shown in the App Store or Google Play at purchase.
Privacy
Your money stays your business
SAVY is built on a simple idea: be useful. No ads, no selling data, no access to your bank.
Zero ads
Nowhere, ever.
No bank connection
You log your expenses; your accounts stay private.
One-tap deletion
Delete your account from the app, whenever you like.
Usage stats you can turn off
Anonymous: no amounts or names are ever sent.
FAQ
Frequently asked questions
Is SAVY free?
Yes, the essentials are free on iPhone, iPad and Android, with no ads: unlimited expenses, who owes what, up to 4 members per household, an overall budget. SAVY Plus, one subscription for the whole household, adds custom splits, unlimited households and members, category budgets, full stats, the payment link and export.
What's the best app to manage a budget as a couple?
One that handles both the budget and the money between you. SAVY brings together shared expenses, a "who owes whom" balance and category budgets with alerts. Personal expenses stay personal.
How do roommates split expenses?
Create a household for your flat, invite your roommates by link, then log each expense with who paid and who it's shared with. SAVY works out the balances and the list of repayments to make.
Do I need to connect my bank account?
No. You add your expenses yourself, in seconds. SAVY never has access to your bank accounts.
Can I manage several households?
Yes. One account can belong to several households (partner, roommates, a trip with friends…), each with its own members, currency and budgets.
How do I invite my partner or roommates?
From your household, share the invite link by message. It's valid for 7 days: they create an account and join the household.
Does SAVY warn me when we go over budget?
Yes. Set a monthly budget per category and you'll get a notification at 80%, 90% and 100%.
How do I handle rent and subscriptions?
Add them as recurring expenses, weekly, monthly or yearly. SAVY logs them automatically, and you can pause them at any time.
How is SAVY different from a bill-splitting app?
Like them, SAVY works out who owes whom. On top of that, it tracks your household budget over time: category budgets, alerts, recurring expenses and monthly statistics.
Is SAVY an alternative to Tricount or Splitwise?
Yes. Like Tricount and Splitwise, SAVY works out who owes whom. It's designed for a household sharing costs day to day: the free version gives you unlimited expenses with no ads, and the app also tracks your budget with alerts and recurring expenses.
How do I delete my account?
In the app, go to your profile and tap "Delete my account". Your personal data is erased; expenses already shared stay in the household under an anonymous name.
Who pays for SAVY Plus in a household?
The household owner. Their subscription unlocks SAVY Plus for every household they own, and all their members benefit. A subscription doesn't unlock a household you only joined: ask its owner instead.
What happens if I stop SAVY Plus?
Nothing is deleted. The household goes back to Free: existing members and households stay, category budgets and recurring expenses beyond 2 are paused, and stats go back to 2 months. Everything comes back if you resubscribe.
How do I cancel SAVY Plus?
In your App Store or Google Play account settings, at least 24 hours before the current period ends. From the app: Profile → SAVY Plus → Manage my subscription. You keep SAVY Plus until the end of the paid period.
I paid but nothing is unlocked. What should I do?
In the app, go to Profile → SAVY Plus → “A problem with your purchase?” and tap “Resync”. If that's not enough, tap “Contact support” or email support@savy-app.com and we'll sort it out quickly.
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
How it works
Ready in two minutes
Create your household
Give it a name and pick your currency.
Invite your people
Send the invite link: they join the household in one tap.
Add your expenses
SAVY sorts everything, works out balances and watches the budgets.