Savida vs Cleo: Which One's Actually Worth It?
Love the personality but need more than roasts? Cleo's fun, but it can't track your bills properly, split rent, or help with shared expenses. For serious money management, you need more.
Savida
All-in-one expense splitting, budgeting, and AI coaching app. Free forever with optional premium features.
Key Advantages:
- Split expenses with roommates, partners, groups
- Rules handle recurring shared costs automatically
- Community for real advice from real people
- Free tier with full features—not locked behind subscription
- More serious AI, less jokes (if that's your thing)
Cleo
The sassy AI chatbot that roasts your spending and offers cash advances when you're broke. Fun personality, decent budgeting. But if you split bills with anyone, you're on your own.
Key Advantages:
- Cash advances up to $250 when you're short
- The chatbot is actually funny
- Credit builder helps your score
- Salary advance feature
Feature-by-Feature Comparison
| Feature | Savida | Cleo |
|---|---|---|
| AI financial assistant | ||
| Automated savings | ||
| Budget tracking | ||
| Cash advances | ||
| Expense splitting | ||
| Multi-group support | ||
| Automated rules | ||
| In-app community | ||
| Bank sync | ||
| Spending roasts | We're polite | Savage |
| Credit builder |
See these features in action
Download Savida and start splitting expenses in under 2 minutes.
Who Should Use What?
Pick Savida if you...
share expenses with anyone, want serious AI coaching, or prefer a real community
Pick Cleo if you...
you're solo, love sass, and want cash advances when you're short
The Bottom Line
Cleo is great for solo budgeters who want a fun AI personality and occasional cash advances. But it completely ignores shared expenses. If you have a roommate, partner, or ever travel with friends—Cleo can't help you split anything. Savida can.
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.