Smart Import
No typing.
No receipts.
Just track.
Your bank already sends you a message for every card swipe and UPI payment. Splitiva reads it where it lands — on your phone — and files the expense for you.
- SwiggyAuto-logged −₹1,248
- Indian Oil −₹2,000
- BigBasket −₹3,410
SMS in, expense out
How it actually works
Three layers, in order, all running locally on your phone.
Pattern rules do the common cases
Most bank alerts follow a predictable shape. Splitiva ships a rule set covering the major Indian banks and wallets — HDFC, ICICI, SBI, Kotak, Axis, Paytm, PhonePe and Google Pay among them — and updates those rules over the air without needing an app release.
On-device AI handles the awkward ones
When a message does not match a known pattern, Splitiva falls back to a small language model running on the phone itself: Apple Foundation Models on supported iPhones, Gemini Nano on supported Android devices. There is no multi-gigabyte download and no server round trip.
You stay in control
Anything ambiguous is queued for a one-tap confirm rather than guessed silently. Categories learn from your corrections, and you can edit or delete any imported expense.
On iPhone, without SMS access
iOS does not let any app read your messages, and Splitiva does not try. Instead you get two routes that reach the same place:
- Paste the alert. Copy a bank message or payment confirmation, tap Smart Import, and the expense is parsed instantly.
- Scan with Vision Mode. Point the camera at a printed bill or a payment screenshot. On-device OCR reads the merchant and total.
What Splitiva never does
No bank login
Splitiva never asks for your net banking credentials and has no connection to your account. It only reads notifications that already arrived on your phone.
No message upload
Raw SMS content is never transmitted to a server. Parsing happens on the device and only the resulting expense is stored — encrypted, if you enable sync.
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.