Fold Money vs Splitiva

Fold is a personal finance and expense tracking app for India that helps you track bank accounts, credit cards, investments, loans, credit score, EPF, NPS, Fixed deposits and spending automatically in one place using RBI’s Account Aggregator framework. Most money apps require constant effort — manually tracking expenses, switching between banking apps, checking statements, and trying to piece together where your money is going. Fold is designed differently. Fold connects securely to your financial accounts and automatically organizes your money so you can understand your spending, cash flow, investments, and overall financial health without needing spreadsheets or manual entry. Use Fold to: - Track bank accounts, balances, and transactions automatically - Connect credit cards and monitor real-time spends and outstanding dues - Track mutual funds, stocks, ETFs, EPF, NPS, fixed deposits, and net worth - Search and filter transactions across all your accounts instantly - Understand spending patterns with cash flow and category insights - Add notes, tags, receipts, and groups to transactions - Set balance alerts and track recurring expenses - Monitor your credit score and loans - Manage finances for family members and loved ones with shared Spaces - Ask Fold AI questions about your finances Fold is built with a strong focus on privacy, clarity, and thoughtful design. We believe money management should feel calm, effortless, and understandable — not stressful or overwhelming. Whether you want to track expenses, stay on top of investments, manage credit cards better, or simply understand where your money is going, Fold helps bring everything together in one place. Terms of Service: https://docs.fold.money/terms-of-service Privacy Policy: https://docs.fold.money/privacy-policy

No typing. No receipts. Just track. Paste a bank alert. Snap a receipt. Forward a screenshot from your bank app. Splitiva reads the amount, merchant, and category before you've put your phone down — and logs it in one tap. SMART IMPORT On-device Vision Mode uses ML to extract transaction data from any bank screenshot or receipt. Share directly from your bank app or paste SMS text. No server. No upload. Everything happens on your iPhone. SPLIT BILLS FAIRLY Create groups for trips, rent, and shared subscriptions. Split equally, by exact amount, or by percent. Debt simplification calculates the fewest repayments so you stop chasing. See exactly who owes what the moment you open the app. SEE YOUR SPENDING STORY A color-coded activity calendar makes every day's money flow visible at a glance. Behavioral insights reveal your spending velocity, impulse hours, recurring subscription drains, and a live month-end forecast — built automatically from your own transactions. BUDGETS THAT WARN YOU EARLY Set monthly limits per category. Splitiva projects your burn rate and alerts you before you exceed — not after the month ends. PRIVACY THAT MEANS IT E2EE vault. Local-only mode keeps all personal data off the cloud entirely. Biometric lock. Active device management. Your financial data is never sold or shared. SPLITIVA PRO (OPTIONAL) Unlimited Smart Import, share-from-bank-apps, advanced AI financial insights, spending forecasts, CSV + PDF reports, premium themes (OLED Black, Cyberpunk Sunset, Midnight Gold, Diamond, Emerald Luxe), custom Theme Engine, and an ad-free experience. FREE TIER INCLUDES • Expense and income tracking • Activity calendar + spending charts • Group splits and settle-up with debt simplification • Up to 10 Smart Imports/month (watch a short ad for more) • E2EE vault and local-only mode • Home screen widgets • 10 languages: English, हिन्दी, Deutsch, Español, Français, Bahasa Indonesia, 日本語, 한국어, Português, ภาษาไทย Coming from Splitwise? Import your exported CSV directly. Splitiva Pro is an optional subscription with a 14-day free trial. Payment is charged to your Apple ID at purchase confirmation. Subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel in Settings → Apple ID → Subscriptions. Privacy Policy: https://splitiva.cleverfolio.me/privacy_policy Terms of Use (EULA): https://splitiva.cleverfolio.me/terms_of_service