Comparison
Splitiva vs other apps
Most bill splitters only handle shared expenses. Splitiva also tracks what you spend on your own — and fills that in automatically from your bank alerts.
The short version
If all you ever need is to split a bill with friends and settle up later, plenty of dedicated splitters do that well. Splitiva is aimed at the case where splitting is only part of the problem — where you also want to know where your own money went, without typing every transaction into a list by hand.
Both kinds of app let you record shared expenses and simplify who owes whom. The difference is that Splitiva reads your bank SMS alerts on the device and logs personal spending for you, keeps that data local by default, and runs its insights on your phone rather than a server.
Feature by feature
| Feature | Splitiva | Other apps |
|---|---|---|
| Split bills in groups | Yes | Usually |
| Equal, exact & percentage splits | Yes | Usually |
| Debt simplification | Yes | Often |
| Personal expense tracking | Built in | Rarely |
| Automatic bank SMS logging | Yes, on device | Rarely |
| Receipt scanning | On-device OCR | Often Pro only |
| Category budgets | Yes | Mixed |
| AI spending insights | On device | Rarely local |
| Works fully offline | Yes | Often partial |
| Local-first storage | Yes | Cloud account often required |
| Import from other apps | CSV import | — |
Comparison reflects typical features of popular expense trackers and bill splitters at the time of writing. Individual apps vary — check each product for its current capabilities.
When another app is the better choice
Worth saying plainly: if your whole group is already settled on another splitter, the switching cost is real. A longer track record and a larger network effect also matter when you are splitting with people who will not install anything new.
When Splitiva is the better choice
- You want personal spending tracked too, not just shared bills.
- You are tired of typing expenses in manually and your bank already texts you.
- You would rather your financial history stayed on your device.
- You want budgets and insights in the same place as the splits.
Bringing your history across
Export your data from another app as CSV and import it into Splitiva, so groups arrive with their expenses and balances rather than starting from zero.
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.