Savida vs Empower: Which One's Actually Worth It?
Empower's great for tracking your 401k—but what about your everyday spending? If you want to see every transaction, track your bills, and split costs with roommates, you need something more practical.
Savida
All-in-one expense splitting, budgeting, and AI coaching app. Free forever with optional premium features.
Key Advantages:
- Actually splits expenses with roommates, partners, groups
- Built for everyday budgeting, not just investing
- Rules automate recurring shared costs
- Community for real financial advice
- Simpler interface for daily use
Empower
Used to be Personal Capital. It's really an investment tracking tool that happens to have a budget feature. Great for watching your net worth grow, less helpful for splitting groceries.
Key Advantages:
- Investment tracking is genuinely excellent
- Retirement planning calculators
- Fee analyzer catches expensive funds
- Wealth management available for big accounts
Feature-by-Feature Comparison
| Feature | Savida | Empower |
|---|---|---|
| Budget tracking | ||
| Investment tracking | ||
| Retirement planning | ||
| Net worth tracking | ||
| Expense splitting | ||
| Multi-group support | ||
| AI coaching | ||
| Automated rules | ||
| In-app community | ||
| Bank sync | ||
| Fee analyzer | ||
| Free tier | Yes | Yes |
See these features in action
Download Savida and start splitting expenses in under 2 minutes.
Who Should Use What?
Pick Savida if you...
need everyday budgeting, split expenses, or want something simpler
Pick Empower if you...
you're focused on investments, retirement, and growing net worth
The Bottom Line
Empower is the right choice if you have investments to track and retirement to plan. But for everyday money management—splitting rent, tracking shared expenses, staying on budget—it's not built for that. Savida handles the daily stuff Empower ignores.
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.