Side by side
PayDay vs SavingsBox
Both stand on automated savings apps. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free plan AndroidiPhoneWeb
PayDay combines automatic pay detection with configurable account splits and a view of upcoming bills. Check whether your bank is supported and note that access is currently through a waitlist.
Visit PayDay
Free plan AndroidiPhoneWeb
SavingsBox brings savings boxes, contributions, spending insights, and coaching into one app, with a separate Pro offering for finance professionals. Consumers must meet its U.S. residency, age, and bank-account requirements, and third parties provide payment processing, custody, and money transmission.
Visit SavingsBoxThe facts
| PayDay | SavingsBox | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | No |
| Runs on | Android, iPhone, Web | Android, iPhone, Web |
| Lowest paid plan | Free or on request | Premium: $4.99 a month |
| Plans published | 1 | 6 |
| Maker | Not published | Not published |
| Website | payday.nz | thesavingsbox.com |
| On automated savings apps | #8 of 18 | #12 of 18 |
PayDay: what it does well
- Adjusts percentage splits to the pay received.
- Shows balances across connected New Zealand accounts.
- Includes custom split rules and transfer history.
- Users can pause splits or revoke access.
What to know first
- Available through a waitlist during private testing.
- Several banks and credit unions are not yet available.
- Designed for New Zealand users.
SavingsBox: what it does well
- Supports personal and group savings boxes
- Maya suggests catch-up plans for lagging goals
- Links bank accounts through Plaid for spending insights
- Free plan includes bank and ACH payments
What to know first
- Consumer users must be U.S. residents
- Users must be at least 18
- SavingsBox is not a bank
- Free plan offers limited AI coaching
Alternatives to PayDay Alternatives to SavingsBox The whole list