Savida vs Monarch Money: Which One's Actually Worth It?
Tired of paying $15/month just to see your transactions? Monarch is polished, but the price adds up—and if you have roommates, you're out of luck. There's a better balance of features and value.
Savida
All-in-one expense splitting, budgeting, and AI coaching app. Free forever with optional premium features.
Key Advantages:
- Free tier that actually works—start without paying
- Works for couples AND roommates AND friends
- Automated rules for recurring shared expenses
- Community built in for real tips
- $5/month cheaper with similar features
Monarch Money
The Mint replacement everyone was waiting for. Clean design, couples features, investment tracking. But it's $15/month with no free tier, and good luck if you have roommates.
Key Advantages:
- Investment and retirement tracking is excellent
- Financial planning tools are sophisticated
- Dashboard for household finances is clean
- Bank sync is rock solid
Feature-by-Feature Comparison
| Feature | Savida | Monarch Money |
|---|---|---|
| Couples finance | ||
| Joint account linking | ||
| Goal tracking | ||
| Investment tracking | ||
| Roommate/friend groups | ||
| AI financial coaching | ||
| Automated splitting rules | ||
| In-app community | ||
| Net worth tracking | ||
| Personal budgeting | ||
| Free tier | Yes | None |
| Price | $9.99/mo | $14.99/mo |
See these features in action
Download Savida and start splitting expenses in under 2 minutes.
Who Should Use What?
Pick Savida if you...
want a free tier, split with more than just a partner, or prefer lower pricing
Pick Monarch Money if you...
you're a couple serious about investments and long-term planning
The Bottom Line
Monarch is fantastic if you're a couple focused on long-term financial planning and investments. But no free tier, couples-only focus, and $15/month adds up. If your life includes roommates, friends, or you just want to try before you pay—Savida makes more sense.
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.