Comparison

Lovely Split vs Ayuuto Savings

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Lovely Split

Effortlessly manage shared expenses and payments with friends, family, or roommates. Track who owes what for rent, trips, or meals, and settle up with integrated secure payments. Set up recurring payments and ROSCAs to simplify ongoing financial arrangements.

Highlights
  • Split expenses with friends and family
  • Manage group payments
  • Integrated secure payment system
  • Create pay events
  • Setup recurring payments
  • Setup ROSCA
Features
Read full description

Lovely Split makes splitting expenses and managing payments with friends, family, or roommates effortless. Whether you’re covering rent, planning a group trip, or simply sharing a meal, Lovely Split ensures that everyone’s share is clear, fair, and settled with ease. With fast and secure payments integrated directly into the app, you can instantly send or request money, create a pay event and setup recurring payments and setup ROSCA. Keep track of expenses, balances, and reimbursements without the hassle of manual calculations. Lovely Split ensures that no one forgets who owes what, helping you avoid awkward conversations about money.

About

Ayuuto Savings

This app digitizes traditional community savings circles, allowing users to create or join groups for shared financial goals. It offers secure payment processing, progress tracking, and smart reminders to ensure everyone contributes and receives their payout fairly.

Highlights
  • Create custom savings circles
  • Flexible contribution schedules
  • Multiple payout assignment options
  • Secure integrated payments
  • Contribution and payout tracking
  • Smart payment reminders
  • In-app community chat
Features
Read full description

Ayuuto is a modern rotating savings app that brings the trusted tradition of community savings circles (also known as tontines, tandas, chit funds, or susus) to your smartphone. HOW IT WORKS • Create or join a savings circle with people you trust • Everyone contributes a fixed amount on a regular schedule (weekly, biweekly, or monthly) • Each round, one member receives the entire pool • The cycle continues until everyone has received their payout KEY FEATURES Smart Savings Circles Create custom groups with flexible contribution amounts, frequencies, and member limits. Set your own rules and watch your community save together. Fair Payout System Choose how payouts are assigned - random selection, fixed order, or admin-assigned. Everyone gets their turn. Secure Payments Integrated payment processing with Stripe ensures your contributions are safe and transfers are seamless. Track Your Progress View your contribution history, upcoming payments, and payout schedule all in one place. Know exactly where you stand. Smart Reminders Never miss a payment with customizable push notifications for upcoming due dates, received payouts, and group updates. Community Features Chat with your group members, endorse trustworthy members, and build your reputation score through consistent payments. Bank-Level Security Your financial data is protected with enterprise-grade encryption. Biometric authentication available for added security. PERFECT FOR • Friends saving for group vacations • Families pooling resources for big purchases • Community groups practicing traditional savings methods • Anyone who wants accountability in their savings journey WHY AYUUTO? Traditional savings circles rely on trust and community. Ayuuto digitizes this time-tested system while adding transparency, payment tracking, and secure fund management. No more spreadsheets, no more cash handling - just simple, secure community savings. Download Ayuuto today and start your savings circle!

Screenshots

Lovely Split4 screens
Ayuuto Savings4 screens

Verdict

The call

The clearest difference is update cadence: Ayuuto Savings at every 11 days against Lovely Split's every 5 weeks. Lovely Split's advantage is ratings volume (15 vs 4). On price, rating, review sentiment and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Lovely Split against 5.0 for Ayuuto Savings. Both are backed by a comparable volume of ratings — 15 and 4 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

UpkeepUpdate frequency

Lovely Split ships an update every 5 weeks, Ayuuto Savings every 11 days. The most recent releases landed on October 24, 2026 and October 7, 2026 respectively.

Scorecard2 real differences · 8 level
Lovely Split versus Ayuuto Savings: the parameters behind the verdict, then further details
ParameterLovely SplitAyuuto Savings
PriceFreeFree
Rating5.0 (15 ratings)5.0 (4 ratings)
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings15 — better4
Update frequencyEvery 5 weeksEvery 11 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.4 — better14.0
Further details — not scored
Size12 MB37 MB
Age rating4+17+
DeveloperLovely Split, Inc.Ayuuto LLC

Customer experience

Lovely Split

All ratings14 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews10 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Ayuuto Savings

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Lovely Split

No in-app purchases

None

Ayuuto Savings

No in-app purchases

Questions

Is Lovely Split free?
Lovely Split is free to download, with no in-app purchases.
Is Ayuuto Savings free?
Ayuuto Savings is free to download, with no in-app purchases.
Which has better reviews, Lovely Split or Ayuuto Savings?
Lovely Split and Ayuuto Savings are both rated 5.0 out of 5 on the App Store, from 15 and 4 ratings respectively.
Do Lovely Split or Ayuuto Savings have ads?
Neither Lovely Split nor Ayuuto Savings shows ads.
Which is updated more often, Lovely Split or Ayuuto Savings?
Lovely Split ships an update every 5 weeks, and Ayuuto Savings every 11 days. Most recently, Lovely Split was updated on October 24, 2026 and Ayuuto Savings on October 7, 2026.

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