Cleave: Smart Expense Tracker

Cleave

About this app

Cleave is India's smartest UPI expense
tracker — the only money manager that
automatically captures every payment
without manual entry, without an account,
and without ever leaving your phone.

⚡ AUTOMATIC UPI TRACKING
Tired of manually logging every Swiggy
order, cab ride, or grocery run?

Cleave detects transaction alerts from
GPay, PhonePe, Paytm, and all major
Indian banks the instant they arrive.
Amount, merchant, category — logged
automatically before you close the
payment app.

No more manual entry. Ever.

Works with: HDFC · SBI · ICICI · Axis ·
Kotak · IDFC First · Yes Bank · all
major UPI apps

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👥 GROUP BILL SPLITTER
Split expenses effortlessly with friends,
roommates, and travel groups.

- Create groups for trips, rent, or dinners
- Track exactly who owes whom
- Custom or equal splits
- Share settlement summary to WhatsApp
in one tap
- Unlimited groups and members

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🔒 100% PRIVATE — TRULY OFFLINE
Unlike every other expense tracker,
Cleave has no servers and no cloud.

Your financial data is processed entirely
on your device and never transmitted
anywhere. We cannot see your data
even if we wanted to.

✓ No account or sign-up required
✓ No cloud storage or internet needed
✓ No OTPs ever read
✓ No personal chats accessed
✓ No ads. Ever.
✓ Biometric lock (fingerprint/Face ID)
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📷 AI RECEIPT SCANNER
Snap a photo of any paper bill or receipt.
Cleave's on-device AI reads the merchant
and total instantly — without sending
your photo to any server.

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📊 SMART BUDGET TRACKER
Set a monthly spending limit and
Cleave alerts you at 80% — before
you overspend, not after.

- Set total monthly budget
- Visual progress on dashboard
- Alert when approaching your limit
- Completely private — all on device.
- Auto-categorization: Food, Transport,
Shopping, Health, Entertainment
- Set monthly budgets per category
- Visual alerts before you overspend
- Daily, weekly, monthly, yearly views
- Full spending analysis and breakdown

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📤 DATA EXPORT
Export your complete expense history
to CSV in one tap — perfect for tax
filing, budgeting in Excel, or personal
records.

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🔑 PERMISSIONS — FULLY EXPLAINED

Notification & SMS access: Only to detect
bank transaction alerts like "HDFC: ₹500
debited". We never read OTPs, WhatsApp
messages, or personal chats.

Camera: Only for the Receipt Scanner.

Biometrics: Only to lock the app.

All processing happens on-device.
Nothing is transmitted.

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🇮🇳 MADE IN INDIA
Built for Indian UPI users. Optimized for
the Indian banking ecosystem.
Atmanirbhar Bharat Initiative.

Looking for a Walnut alternative?
An offline expense tracker?
A private money manager for India?

Cleave is the answer.

Download free. No account. No catch.