Savida vs YNAB: Which One's Actually Worth It?
Feeling overwhelmed by budgeting bootcamps and $109/year price tags? YNAB's method is proven, but it's not for everyone—especially if you share expenses with roommates or don't want to spend hours learning a system.
Savida
All-in-one expense splitting, budgeting, and AI coaching app. Free forever with optional premium features.
Key Advantages:
- Free tier exists—start without pulling out your card
- Split expenses with roommates, partners, whoever
- AI gives personalized tips (not just generic advice)
- Easier to learn—you won't need YouTube tutorials
- Community built in for real people, real tips
- $30/year cheaper if you go premium
YNAB
"You Need A Budget" is the gold standard for serious budgeters. Every dollar gets a job. It works—if you put in the work. And pay $15/month. And don't need to split anything.
Key Advantages:
- The zero-based method is proven if you stick with it
- Tons of workshops and educational content
- Dedicated fanbase—subreddit is actually helpful
- Detailed reports for the spreadsheet-lovers
Feature-by-Feature Comparison
| Feature | Savida | YNAB |
|---|---|---|
| Expense Splitting | ||
| Group Expenses | ||
| Bank Sync | ||
| Zero-Based Budgeting | ||
| Automated Rules | ||
| Savings Goals | ||
| AI Financial Coach | ||
| In-App Community | ||
| Educational Content | ||
| Free Tier | Yes | Nope |
| Price | $9.99/mo or $79.99/yr | $14.99/mo or $109/yr |
| Learning Curve | Gentle | Steep |
See these features in action
Download Savida and start splitting expenses in under 2 minutes.
Who Should Use What?
Pick Savida if you...
want budgeting without the bootcamp, need expense splitting, or don't want to pay $109/year
Pick YNAB if you...
you're ready to fully commit to zero-based budgeting and money is no object
The Bottom Line
YNAB is excellent if you want to go full-intensity on budgeting and don't mind the price tag or learning curve. But if you need to split expenses with anyone, want something that works out of the box, or prefer free—Savida gets you 90% of the way at a fraction of the cost.
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.