Pocket Clear vs Splitiva

Pocket Clear is a simple, privacy-first expense tracker — now semi-automated, without linking your bank. Apple Pay taps and bank texts can log themselves, on-device AI turns a shared receipt into an entry, and you stay in control of every one. AUTOMATIC LOGGING — NO BANK LINKING On-Device AI (Beta — free for everyone until 31 December 2026) • Apple Pay taps log themselves — set up a Shortcuts automation once and every tap is added in the background • Bank texts log themselves too — debit and card-spend SMS become entries the moment they arrive • Share a bank message, receipt photo, or card email to Pocket Clear and it's logged for you • Quick Log on Home — paste, type, scan, or choose a photo — or tell Siri "Log an expense in Pocket Clear" • Ask — "How much on food this month?" — and get exact answers from your own transactions • Everything logged for you waits under Recent captures to check, edit, or undo • Read on your iPhone — nothing you share or ask is uploaded to Pocket Clear or any AI company; off until you switch it on SIMPLE & FAST • Add expenses in seconds with "Money In" and "Money Out" • Smart Suggestions turn a repeat expense into one tap • Custom categories with 95 searchable icons, plus subcategories • Searchable drop-down pickers for long category and payment-type lists • Split a transaction across categories, and search your whole history by note, amount, or payee • Dark mode, text size, decimal places, and 10+ languages BUILD THE HABIT • A daily reminder that learns the hour you usually log — and only nudges on days you haven't • Catch-up week — see the last seven days side by side and fill in the ones you missed • Road to 50 — rewards at 10, 25 and 50 entries, including 3 months of Pro you can request at 50 if you've never subscribed • Power score — one number for your money habit, with a nightly rank and what to do next • A projection of where your month will land • Today's tip — a short, illustrated walkthrough of one feature each day PRIVACY FIRST • Works completely offline — an account is optional • Your data stays on your device unless you turn on cloud backup • Anything you do back up is encrypted with AES-256 • No ads, no tracking, no data selling BUILT AROUND YOUR PAY CYCLE • Weekly, fortnightly, semi-monthly, monthly or yearly periods • Start your month on payday instead of the 1st • Carry a balance over from one period to the next REPORTS & INSIGHTS • Insights — this week's spending at a glance, every Sunday • Spending and money in by category, with percentages on the chart • Tap a payment type to see every transaction behind it • Monthly and yearly trends, and a running "Spent today" total • An optional Account balances card on Home for each payment type • Home Screen and Lock Screen widgets, day streaks and milestones PRO FEATURES • Pro Insights — what's creeping up, your repeat charges, and where to cut back • Cloud backup & sync across devices • Partner Mode — one shared view of your money with your significant other • Groups and Trips — split shared costs, and see what one trip actually cost • Receipt photos attached to any transaction • Pocket Clear on the web — read, sort and export on a full screen • Payees — track who you paid, not just what for • Per-category budgets with alerts and rollover • Savings goals and recurring transactions • Tags and inter-account transfers • Secondary currency and Travel Mode for spending abroad • Export transactions to CSV/PDF Pro is available monthly or yearly. PERFECT FOR • Couples managing shared expenses • Anyone who wants hands-off expense tracking without linking a bank • Expats and travellers tracking in multiple currencies • Anyone who values privacy and simplicity Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

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