No access to your bank accounts
You add expenses yourself, in seconds. SAVY never asks for bank credentials or aggregates your accounts: your statements stay with your bank.
Bankin' alternative
A Bankin' alternative with no bank connection, built for sharing
Bankin' connects to your bank accounts to categorise your transactions automatically. That's handy for personal finances, but when you share costs, the real question is different: who paid for what, and who owes whom. SAVY answers that, without ever accessing your bank.
A shared budget, not just yours
Invite your partner, family or roommates into the same household. Everyone sees shared expenses and the monthly budget.
Who owes whom
Every expense shows who paid and who it's shared with. SAVY works out the balance and the fewest repayments. Personal expenses stay personal.
Alerts before you overspend
Set a monthly budget and get a notification at 80, 90 and 100%. With SAVY Plus, set a budget per category.
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 Bankin'?
Bankin' aggregates your bank accounts to track your personal finances. SAVY connects to no bank and is for managing money with others: shared expenses, balances between members, repayments and a shared budget.
Why a budget app with no bank connection?
So you share no bank credentials, and only pool household expenses rather than your whole statement. Your partner and roommates only see what's added to the household.
Isn't adding expenses by hand slow?
It takes seconds: amount, category, who paid. Fixed costs like rent add themselves as recurring expenses.
Other alternatives compared
- A Tricount alternative built for the household budget
- The free Splitwise alternative with no ads and no expense limit
- A Settle Up alternative for everyday shared expenses
- A Splid alternative built for household expenses
- 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