Insights
AI that knows
your spending.
Not another pie chart you glance at once. Splitiva reads your actual history and tells you, in plain language, what changed and what it means.
What you actually get told
- What changed this month. Which categories moved, by how much, and against what baseline.
- Quiet drift. The subscription that crept up, the category that has grown three months running.
- Merchant patterns. Where a surprising share of the month actually went.
- Recurring detection. Charges that look like subscriptions get flagged so nothing renews unnoticed.
Generated on your phone
Insights are produced locally using the on-device models your phone already ships with — Apple Foundation Models on supported iPhones, Gemini Nano on supported Android devices — with a deterministic fallback everywhere else. Your transaction history is not shipped to a server to be analysed, and it is not used to train anything.
That also means insights work on a plane, on patchy mobile data, and on the day a server would otherwise be down.
Ask
Put a question to your own data in ordinary language — “how much did I spend on eating out in June?” — and get an answer drawn from your ledger.
Financial Trends
Longer-range views across months and categories, plus PDF and CSV export when you need the numbers somewhere else.
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.