See every day’s money story
A colour-coded activity calendar turns a month of transactions into something you can read at a glance. Tap any day to see exactly what happened.
Expense tracker & bill splitter
Track smarter, not harder.
Splitiva reads the bank alerts you already get and turns them into a clean expense timeline. Split bills fairly, see where your money goes, and keep every rupee of it on your own device.
Free forever tier
No bank login ever
Works offline
Works with every major bank & UPI app
HDFC Bank
ICICI Bank
State Bank of India
Kotak
Axis Bank
UPI
Google Pay
PhonePe
Paytm
Credit cards
Net banking
Smart Import
Your bank already told us.
Why type it again?
Every card swipe and UPI payment already arrives as an SMS. Splitiva reads that alert on your phone, pulls out the amount and the merchant, picks a category, and files it. You do nothing.
- Parsing happens on your device. The message text never leaves your phone and is never uploaded to a server.
- No bank credentials. Splitiva never asks to connect an account or store a password.
- On iPhone, paste or scan instead. Same result, no SMS permission required.
Today
Auto-logging
- Swiggy Auto-logged −₹1,248
- Indian Oil −₹2,000
- BigBasket −₹3,410
SMS in, expense out — no typing
Everything in one place
One app for what you spend
and what you share
Personal tracking and group splits in the same timeline, so you never reconcile two apps again.
Fair splits, zero stress
Trips, flatmates and dinners without the spreadsheet. Split equally, by exact amounts or by percentage. Splitiva simplifies the debt graph so four people settle in one payment instead of six.
Insights that actually say something
Not another pie chart. Splitiva looks at your real history and tells you what changed, which category is drifting, and where the money quietly went — generated on your device.
Snap it. Amount locked in.
Vision Mode reads a printed receipt or a payment screenshot and pulls out the merchant and total. Useful for cash, and for anything your bank does not text you about.
Dinner · Toit
₹2,400
A₹600
R₹600
M₹600
K₹600
3 people owe you ₹1,800
All settled — 1 payment, not 6
Debt simplification in action
Splits
Stop being the awkward
“you owe me” friend
Add the bill once. Splitiva works out who owes what, nets the balances across the whole group, and reduces it to the smallest number of payments. Then it does the reminding for you.
Groups that stay tidy
Trips, flats and recurring subscriptions each get their own space with running balances.
Nudges without the nagging
Social Pulse handles the chasing so you do not have to send the awkward message.
Privacy
Your data.
Your keys.
Most finance apps want read access to your bank. Splitiva never asks, because it does not need to.
0bank logins required
100%on-device parsing
On-device by default
Parsing, OCR and insights all run locally. Raw SMS content is never transmitted anywhere.
Encrypted sync, optional
Turn on sync and your vault is end-to-end encrypted. Leave it off and nothing ever leaves the phone.
Never sold. Ever.
No data brokers, no selling to third parties, and a one-tap export or delete whenever you want out.
Pricing
Free is genuinely free
The core tracker and unlimited group splits cost nothing. Pro exists for people who want the automation turned all the way up.
Free
₹0forever
- Unlimited expenses and groups
- Automatic SMS logging on Android
- Budgets, calendar and home screen widgets
- CSV import from other apps · 10 languages
Splitiva Pro
14 daysfree trial
- Unlimited Smart Import and receipt scans
- Six months of SMS backfill on Android
- Ask & Financial Trends · PDF and CSV export
- Premium themes · completely ad-free
Fair splits. Zero stress.
Free to start, no bank login, and everything stays on your device unless you say otherwise.
Prefer the browser? Open the Splitiva web app.