Comparison

Saveo vs Themis Balance

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

Head to head
About

Saveo

This app simplifies money management by automatically tracking expenses and categorizing transactions using AI. It helps users create personalized budgets, monitor spending with visual insights, and achieve financial goals through secure bank account syncing.

Highlights
  • AI-powered transaction categorization
  • Automated expense tracking
  • Secure bank account syncing
  • Personalized budget creation
  • Visual spending insights
  • Subscription tracking
Features
Read full description

Saveo: AI Expense Tracker & Budget Planner Saveo is the AI-powered expense tracker and budget planner that does the work for you. Connect your accounts, track your spending automatically, and finally understand where your money goes, no spreadsheets, no manual entry, no guesswork. Smarter than YNAB. More affordable than Monarch. Built for people who want real results without the complexity. How Saveo works Connect your bank accounts and credit cards securely through Plaid and Saveo's AI instantly categorizes every transaction, tracks your daily and monthly expenses, and builds a clear picture of your financial habits, all in real time. Ask questions with your voice. Get instant spending summaries. Set savings goals and watch your progress update automatically. Saveo is the only budgeting app with a built-in AI voice agent that lets you manage your money hands-free. Everything included in Premium AI-powered transaction categorization that learns your spending habits Automatic expense tracking across all your bank accounts and credit cards Bill tracker and subscription manager to eliminate forgotten charges Personalized budget planner with live progress tracking Daily, weekly, and monthly spending summaries Savings goals with automated progress tracking Debt payoff planner to accelerate your path to financial freedom Income tracking and net worth dashboard Interactive charts and visual spending reports Full dark mode support Voice agent, ask Saveo anything about your finances Perfect for Daily expense tracking without manual entry Payday budgeting and bill management Getting AI-driven insights into your spending patterns Managing multiple accounts in one place Paying off debt faster with a clear plan Setting and hitting savings goals Half the price of the competition Saveo Premium is C$12.99/month or C$59.99/year — significantly less than Monarch or YNAB, with more AI features built in. A lifetime plan is also available for users who prefer to pay once. Try free for 3 days. Cancel anytime. What our users say "Saveo makes budgeting effortless. It syncs with my bank and tracks everything automatically." — Emily, New York "The AI categorization is a game-changer. It learned my habits and helped me save more than ever." — Raj, San Francisco "The charts make it so easy to see where my money goes. No more guesswork." — Sarah, Chicago "Simple, smart, and secure. The budgeting app I've been searching for." — Michael, Miami Your data, always protected Saveo uses industry-leading encryption and secure Plaid connections trusted by major financial institutions. Your financial data is never sold, never shared, and always yours. Saveo Premium Monthly — $12.99 Saveo Premium Annual — $59.99 Saveo Premium Lifetime — $199.00 3-day free trial. Cancel anytime. Terms of Use: https://saveo.app/terms Privacy Policy: https://saveo.app/privacy

About

Themis Balance

Easily track your current spending power and make confident financial decisions. Share your balance with household members and get an instant, honest view of your funds without rigid budgeting.

Highlights
  • Instant spending power clarity
  • Simple household sharing
  • Budgeting optional
  • Confident purchase decisions
  • Real-time balance updates
Features
Read full description

My wife and I, a small team from Vaughan, Ontario, built this app for ourselves. We were tired of looking at our credit card statement and asking, "Where did all the money go?" Ever face that eternal question: "Can I actually afford this right now?" Meet Themis Balance - your friendly guide to your current spending power. This tool transformed our finances, and we hope it helps you too. Get an instant, honest peek at your funds, turning 'umm...' into a confident 'Let's do it!' (or a guilt-free 'Nah, not today'). Why you'll love it: * Instant Clarity: See exactly what you have available right now. No more guessing! * Simple Household Sharing: Sync your balance effortlessly with partners or roommates. You control what you share! * Budgeting Optional: Perfect if you prefer reacting to life over rigid planning. Go with your flow. Planning is good, living is natural. * Confident Decisions: Know instantly if that purchase fits your current picture. So, peek at your balance before you order that extra topping. Informed decisions feel good (and often taste better!). More details at: https://themisbalance.com/ Term of Use: https://themisbalance.com/eula.html

Screenshots

Saveo4 screens
Themis Balance4 screens

Verdict

The call

The clearest difference is review sentiment: Saveo at 100% against Themis Balance's 50%. Themis Balance's advantage is ads (none vs shown). On price, update cadence, in-app purchases and monetization model 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. Saveo sells 3 in-app purchases, starting at $12.99 per month and Themis Balance sells 3 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Saveo ships an update every 2 weeks, Themis Balance fortnightly. The most recent releases landed on October 30, 2026 and November 5, 2026 respectively.

Scorecard2 real differences · 8 level
Saveo versus Themis Balance: the parameters behind the verdict, then further details
ParameterSaveoThemis Balance
PriceFreeFree
Rating5.0 (4 ratings) — better—
Positive reviews100.0% of reviews — better50.0% of reviews
Number of ratings4 — better—
Update frequencyEvery 2 weeks — betterFortnightly
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.1 — better15.6
Further details — not scored
Size106 MB36 MB
Age rating4+4+
DeveloperSaveo Technologies Inc.Tiny Titans Tech Inc.

Customer experience

Saveo

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews14 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Themis Balance

Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

3 purchases

Saveo

Subscriptions2
  • Saveo Premuim3 Days trial$12.991 Month
  • Saveo Premium Annual3 Days trial$59.991 Year
One-time1
  • Saveo Premium Lifetime$199.00
3 purchases

Themis Balance

Subscriptions3
  • Monthly Household$9.991 Month
  • 6 months$44.996 Months
  • Annually$69.991 Year

Questions

Is Saveo free?
Saveo is free to download, with in-app purchases available.
Is Themis Balance free?
Themis Balance is free to download, with in-app purchases available.
Do Saveo or Themis Balance have ads?
Saveo shows ads; Themis Balance does not.
Which is updated more often, Saveo or Themis Balance?
Saveo ships an update every 2 weeks, and Themis Balance fortnightly. Most recently, Saveo was updated on October 30, 2026 and Themis Balance on November 5, 2026.

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