Cleave: Smart Expense Tracker

Cleave

About this app

Cleave is India's only UPI expense tracker
where even we cannot read your group expenses.
Not a privacy policy. Architecture.

Auto-tracks every payment. Splits bills
in real-time. End-to-end encrypted.
No account. No data sold. Ever.

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🔒 GENUINELY PRIVATE — BY DESIGN

Your personal expenses never leave your phone.
Your group expenses are encrypted on your
device before reaching our servers.
We store encrypted data we cannot read.
Your group key never leaves your devices.

✓ No account or sign-up required
✓ No OTPs ever read
✓ No personal chats accessed
✓ No ads. Ever.
✓ Biometric lock (fingerprint/Face Unlock)
✓ Personal data: 100% on your device
✓ Group data: E2EE encrypted (AES-GCM)

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👥 REAL-TIME GROUP EXPENSE SPLITTING

Stop chasing friends for money.
Cleave's group expense manager lets
your entire group track shared bills
in real-time — privately.

- Join via WhatsApp link — no QR codes
- Add friends from your contacts instantly
- Every expense syncs across all devices
- Debt minimization: A owes B, B owes C?
Cleave makes A pay C directly — fewer payments
- One-tap UPI settle: Opens GPay/PhonePe
with exact amount pre-filled

Perfect for trips, flat rent, dinners,
and any shared expense with friends.

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⚡ ZERO-EFFORT UPI EXPENSE TRACKING

India's most accurate UPI expense tracker.
Cleave detects every payment the instant
your bank notification arrives.

No manual entry. Ever.

Works with: GPay, PhonePe, Paytm, BHIM
Banks: HDFC, SBI, ICICI, Axis, Kotak,
IDFC First, Yes Bank and all major UPI apps

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📸 AI RECEIPT SCANNER

Snap any paper bill or receipt.
On-device AI reads merchant and total instantly.
No photo ever sent to any server.

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📊 SMART BUDGET TRACKER & ANALYTICS

- Set monthly budgets per category
- Visual alerts before you hit your limit
- Interactive donut charts by category
- 6-month spending trends per category
- Daily, weekly, monthly, yearly views
- Safe-to-spend calculator: know your
daily budget before you spend

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🇮🇳 MADE IN INDIA

Built for the Indian UPI ecosystem.
Optimized for every major Indian bank.
Atmanirbhar Bharat Initiative.

The ultimate private money manager.
The best group bill splitter for India.
The only group expense manager
that is genuinely private.

Download free. No account. No catch.

What’s new

• Enhanced Widgets: Improved widget search visibility and full support for Privacy Mode (masked balances) directly on your home screen.
• Safe-to-Spend: Real-time guidance on how much you can safely spend today to stay within your limits.
• UI Polish: Smoother animations and refined transaction cards for better legibility.
• Bug Fixes: Improved notification tracking reliability and app icon consistency.