Splitiva: Expense Tracker

Abhijit Sood

Contains adsIn-app purchases

About this app

Bank SMS auto-logged. Split bills fairly. Track every rupee.

The moment HDFC, ICICI, SBI, Kotak, Axis, or any UPI app sends you a transaction alert, Splitiva reads it and logs the expense automatically. No manual entry. No bank login. No screen sharing.

INSTANT SMS EXPENSE LOG
Enable SMS permissions once and watch your timeline fill itself. Splitiva parses bank messages from all major Indian banks, UPI apps, credit cards, and wallets — extracting amounts, merchants, categories, and transaction types in real time. Includes 1 month of historical SMS backfill free; up to 6 months with Pro. Missed transactions? Rescan your inbox any time.

VISION MODE
Point the camera at a bank screenshot or receipt — or share one directly from your bank app. On-device ML (Google ML Kit) extracts amount, merchant, and type with confidence indicators you can review and edit before saving. Nothing is uploaded.

SPLIT BILLS, SETTLE FAST
Groups for trips, rent, shared subscriptions, and more. Split equally, by exact amount, or by percent. Debt simplification calculates the fewest transactions to close all balances. Get notified the moment someone adds an expense, and see who owes what — in real time.

BEHAVIOURAL INSIGHTS
Spending velocity over 14 days. Burn rate vs monthly average. Which hours you overspend. Which merchants quietly drain your budget every month. Which recurring subscriptions you've forgotten. Splitiva builds these entirely from your own transactions — no data sent for external analysis.

CATEGORY BUDGETS
Set a monthly limit per category. Splitiva projects your spending pace and warns you before you exceed — not after the month ends.

ACTIVITY CALENDAR
Every day of the month color-coded by spend, income, or both. Tap any day to see the full transaction breakdown. Understand your money patterns at a glance.

HOME SCREEN WIDGETS
See your balance, what you're owed, and recent activity without opening the app. Quick-add a transaction straight from your home screen.

PRIVACY FIRST
On-device processing for SMS parsing, OCR, and AI insights. Optional encrypted cloud sync — or stay fully local. Biometric lock. E2EE vault. Your data is never sold, never profiled, never shared.

SPLITIVA PRO
Unlimited SMS backfill (up to 6 months), unlimited Smart Imports, advanced AI insights, full spending trends and forecasts, Ask Spend Assistant, CSV + PDF exports, premium themes (OLED Black, Cyberpunk Sunset, Midnight Gold, Diamond, Emerald Luxe), custom Theme Engine, and an ad-free experience. Pro usage dashboard shows exactly how much time smart imports have saved you.

FREE TIER
✔ Auto SMS logging — HDFC, ICICI, SBI, Kotak, Axis, Paytm, PhonePe, GPay, and more
✔ Vision Mode OCR (limited scans/month)
✔ Group splits and debt simplification
✔ Category budgets and monthly charts
✔ Activity calendar
✔ E2EE vault and local-only mode
✔ Home screen widgets
✔ 10 languages: English, हिन्दी, Deutsch, Español, Français, Bahasa Indonesia, 日本語, 한국어, Português, ภาษาไทย

Coming from Splitwise? Import your exported CSV directly and pick up where you left off.

What’s new

Tracking your expenses just got a whole lot smoother! We’ve polished up the app, squashed some bugs, and made everything run a bit faster. Dive in to enjoy a more reliable, refined, and seamless Splitiva experience.