Comparison

Split vs Savvy Book

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

Head to head
About

Split

Effortlessly manage and split expenses with friends, family, or colleagues. This app prioritizes your privacy by not collecting or storing any personal data. Easily add people, categorize costs, and generate shareable invoices for seamless bill management.

Highlights
  • No personal data collection
  • Easy bill splitting
  • Customizable expense categories
  • Shareable formatted invoices
  • Real-time total tracking
Features
Read full description

Split is bill-splitting the way it should work: item by item, not just the total — and entirely on your device. Most splitting apps ask you to type in a lump sum and divide it evenly. Split reads the actual receipt. ITEMIZED, NOT LUMP-SUM Point your camera at a receipt and Split reads it on-device — no photo or text ever leaves your phone. Choose exactly who's splitting each individual item, not the whole bill. One person's appetizer doesn't have to get split with the whole table. RECURRING PEOPLE Add someone once and they're saved as a contact for next time. Favorite the people you split with most so you're never retyping the same names for the same group of friends. AUTOMATIC SETTLE-UP Record who paid for what, and Split works out exactly who owes whom — netted directly between the people who actually shared an expense, not routed through some global optimization that can make a payment feel random. Mark a payment as done and it's tracked for good. PAY IN ONE TAP Direct links to Venmo and Cash App with the amount pre-filled — no typing a number by hand. Zelle info is one tap to copy. PRIVATE BY DESIGN Split doesn't have accounts, doesn't have a server, and doesn't collect or transmit any of your data. Names, expenses, receipts — everything lives on your device, full stop. There's nothing to breach because there's nothing collected. Split a dinner, a trip, a grocery run, or rent. Add the people, add or scan the expenses, and settle up — that's it.

About

Savvy Book

Features
Read full description

Savvy Book – Personal Finance & Business Accounting, CombinedManaging money shouldn't require multiple apps. Savvy Book brings personal finance tracking and complete business accounting into a single, secure platform — built for individuals, freelancers, and small business owners across South Asia and beyond. With an intuitive interface, powerful reporting tools, and real-time data sync, Savvy Book helps you make smarter financial decisions every day.Personal FinanceSmart Expense Tracking – Categorize and monitor daily spending with ease, so you always know where your money is going Budget Planning – Set monthly budgets for each spending category and receive timely alerts before you overspend Bill Reminders – Stay on top of EMIs, subscriptions, and utility payments with automated due date notifications Receipt Scanner – Digitize paper receipts instantly using AI-powered OCR technology, eliminating manual data entry Loan Tracker – Monitor outstanding debts, interest rates, and repayment progress all in one place Spending Analytics – Understand your financial habits through detailed visual reports and monthly comparisons Multi-Currency Support – Track expenses in any currency, making it ideal for frequent travelers and expatsBusiness AccountingDigital Khata Book – Record and manage customer credit and debit transactions with a clean, easy-to-use digital ledger Invoice Generator – Create, customize, and share professional invoices with your clients in seconds Inventory Management – Monitor stock levels in real time and receive automatic low-stock alerts to avoid shortfalls Sales Analytics – Track daily and monthly revenue trends, profit margins, and overall business performance Customer Management – Maintain a complete and searchable transaction history for every individual client Business Reports – Generate comprehensive financial dashboards and summaries ready for tax filing and auditsPlatform FeaturesDual Mode – Switch effortlessly between personal and business profiles within one unified app Cloud Sync – Access your financial data securely across all your devices, at any time and from anywhere Offline Mode – Full functionality remains available without an internet connection, with automatic sync when reconnected Export Reports – Download your financial data as PDF or CSV files for accounting, auditing, and tax purposes Smart Notifications – Receive automated reminders for upcoming payments, budget thresholds, and important due dates Dark Mode – A clean, modern interface designed for comfortable daily use in any lighting conditionSecurity and PrivacySavvy Book is built with your security as a top priority. All financial data is protected using bank-level AES encryption, ensuring your information remains private and secure at all times. Biometric authentication, including fingerprint and face recognition, adds an additional layer of access control. We operate on a strict no-data-sharing policy — your personal and business information is never sold or shared with third parties under any circumstances.Who Uses Savvy BookSavvy Book is trusted by individuals managing household budgets, freelancers tracking client payments and project income, shop owners maintaining inventory and daily sales records, and small business owners who need a reliable, professional digital alternative to a traditional paper khata book. If you handle money — personally or professionally — Savvy Book is designed for you.Download Savvy Book today and take complete control of your finances.LegalBy downloading and using Savvy Book, you agree to our Terms of Service and Privacy Policy outlined at the links below.Terms of Service: https://sites.google.com/view/savvy-terms-of-services/home Privacy Policy: https://sites.google.com/view/privacy-policy-avvy/homeWe are committed to full transparency regarding how your data is collected, stored, and used. Please review our Privacy Policy for complete details.

Screenshots

Split4 screens
Savvy Book4 screens

Verdict

The call

The clearest difference is in-app purchases: Split at none against Savvy Book's 3. Savvy Book's advantage is update cadence (weekly vs every 26 months) and iOS requirement (13.0 vs 17.4). On price, ads and device support 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. Savvy Book sells 3 in-app purchases, starting at $4.99 per 7 days. Split asks for nothing beyond the download.

UpkeepUpdate frequency

Split ships an update every 26 months, Savvy Book weekly. The most recent releases landed on October 30, 2026 and November 5, 2026 respectively.

Scorecard3 real differences · 6 level
Split versus Savvy Book: the parameters behind the verdict, then further details
ParameterSplitSavvy Book
PriceFreeFree
Rating5.0 (3 ratings) — better—
Number of ratings3 — better—
Update frequencyEvery 26 monthsWeekly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.413.0 — better
Further details — not scored
Size2 MB109 MB
Age rating4+4+
DeveloperTy OkazakiHasnain Ahmad

In-app purchases

None

Split

No in-app purchases

3 purchases

Savvy Book

Subscriptions3
  • Savvy Pro Weekly$4.997 Days
  • Savvy Pro Monthly3 Days trial$14.991 Month
  • Savvy Pro Yearly7 Days trial$99.991 Year

Questions

Is Split free?
Split is free to download, with no in-app purchases.
Is Savvy Book free?
Savvy Book is free to download, with in-app purchases available.
Do Split or Savvy Book have ads?
Neither Split nor Savvy Book shows ads.
Which is updated more often, Split or Savvy Book?
Split ships an update every 26 months, and Savvy Book weekly. Most recently, Split was updated on October 30, 2026 and Savvy Book on November 5, 2026.

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