Lovely Split vs Ayuuto Savings
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Split expenses with friends and family
- Manage group payments
- Integrated secure payment system
- Create pay events
- Setup recurring payments
- Setup ROSCA
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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.
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | Lovely Split | Ayuuto Savings |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (15 ratings) | 5.0 (4 ratings) |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 15 — better | 4 |
| Update frequency | Every 5 weeks | Every 11 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.4 — better | 14.0 |
| Further details — not scored | ||
| Size | 12 MB | 37 MB |
| Age rating | 4+ | 17+ |
| Developer | Lovely Split, Inc. | Ayuuto LLC |
Customer experience
Lovely Split
Ayuuto Savings
In-app purchases
Lovely Split
No in-app purchases
Ayuuto Savings
No in-app purchases
Questions
Is Lovely Split free?
Is Ayuuto Savings free?
Which has better reviews, Lovely Split or Ayuuto Savings?
Do Lovely Split or Ayuuto Savings have ads?
Which is updated more often, Lovely Split or Ayuuto Savings?
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