dividi vs Split Meld

dividi is the personal finance app for people who share a life, a home, or expenses with someone else. Keep money organized without spreadsheets, screenshots of receipts, or mental math. With everything in one place, it’s easier to split expenses clearly without making money the center of every conversation. PERSONAL AND JOINT ACCOUNTS Organize your individual expenses in a Personal Account, and use a Joint Account whenever you share costs. Invite another person and choose permissions to add or edit expenses, record transfers, manage goals, and more. Each entry clearly shows how the cost is split and who paid. SMART BUDGET Plan the month across Needs, Desires, and Savings & Goals. See how much is still available as you add expenses, understand where your money is going, and reuse your budget in future months. CARDS AND INSTALLMENTS Add cards to organize purchases and track the month’s statement. Link personal or shared expenses, see totals, paid and pending amounts, top spending categories, and installments in progress. dividi never asks for or stores your full card number, CVV, or payment credentials. CLARITY FOR SHARED EXPENSES Search by expense name and follow the Joint Account change history. dividi suggests a transfer amount based on each person’s share and what has already been paid. You can also generate and share a statement with expenses, transfers, a summary by member, and card-linked expenses. RECURRING EXPENSES, COPYING, AND GOALS Add recurring expenses or installment purchases, copy entries from one month to the next, and let dividi track installments automatically. Create goals with a target amount and target date, link personal or shared expenses, and follow your progress. TALK TO DIVI Divi is the dividi mascot and helps you add expenses faster. Speak or type what you spent: she creates a draft with the details she identified for you to review, correct, and save. For now, Divi focuses exclusively on adding expenses. Talk to Divi is a Premium feature with a monthly conversation limit. FREE TO START Use the core features for free for up to 6 months or 120 operations, whichever comes first. PREMIUM Keep going without the Free plan’s limits on months or operations. Premium also includes adding, editing, and deleting expenses without internet, due date reminders, Talk to Divi, and Apple Family Sharing on iOS. dividi is not a bank, does not move money, and does not access your bank data. It helps you organize personal finances and share expenses with clarity and respect. dividi — Splitting expenses has never been so simple. Questions? support@dividiapp.com Learn more: https://dividiapp.com Terms of Use: https://dividiapp.com/terms#terms-of-use Privacy Policy: https://dividiapp.com/terms#privacy-policy

Split Meld is the AI-powered shared household manager. Beyond bill splitting — track expenses, rotate chores, share shopping lists, manage recurring bills, settle IOUs, and get AI advice on fair splits. Built for roommates, housemates, couples, and co-living. EXPENSE TRACKING & SPLITTING - Add expenses with photo receipt upload - Split equally, by share, by percentage, by exact amount - 10 pre-seeded categories (rent, utilities, groceries, more) - Per-expense activity log - Settlement-ready balances per household member RECURRING BILL TRACKING - Templates for rent, utilities, subscriptions - Frequency: monthly / weekly / quarterly / yearly - Auto-create expense records when due - Next-due-date auto-calculation IOU TRACKING & SETTLEMENT - Track who owes whom across all expenses - Simplified-debt math (you don't need 6 transfers when 2 will do) - One-tap "settle" with payment-method tagging (Venmo, Zelle, cash) - Settlement history CHORE ROTATION - Set chores with frequency + assignee rotation - Auto-rotate next assignee - Mark complete with photo proof - Streak tracking + accountability SHARED SHOPPING LISTS - Add items with quantity + assigned shopper - Real-time sync across household - Mark "in cart" / "purchased" / "out of stock" - History of who bought what AI ROOMMATE COACH - Conversational AI aware of your household balances + chores - "Should rent be 50/50 if I'm gone half the month?" — fair-split math - Dispute-resolution suggestions - Spending-pattern analysis SPENDING ANALYTICS - Per-household + per-person trend charts - Category breakdown - Monthly summaries PAYMENT REMINDERS - Push notifications for owed balances - Bill due dates - Chore reminders GAMIFICATION - 25 achievements (first split, 10 settled, perfect chore week) - XP, levels, streaks PRIVACY & SECURITY - Email + 6-digit OTP, Google Sign-In, or Apple Sign-In - Receipt photos encrypted, deletable any time - We never sell your data SUBSCRIPTION PLANS Free: - 1 household - Up to 4 members - Basic splitting + IOU - Limited chores + shopping list Premium ($3.99/month or $29.99/year): - Unlimited households + members - Recurring bills auto-create - Photo receipt upload - AI Roommate Coach unlimited - Advanced analytics - Priority support - 7-day free trial vs Splitwise Pro $4.99 (no chores or lists), Venmo (transfers only), HomeSlice / Tally / OurHome (basic). Split Meld is full-stack household management. Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscriptions by going to your App Store account settings after purchase. Any unused portion of a free trial period, if offered, will be forfeited when you purchase a subscription. Privacy Policy: https://splitmeld.infoinlet.com/privacy-policy Terms of Use: https://splitmeld.infoinlet.com/terms-of-service SUBSCRIPTION TERMS Split Meld Premium is an auto-renewable subscription. Payment is charged to your Apple ID at confirmation of purchase. Subscription auto-renews unless cancelled at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the period ends. You can manage and cancel your subscription anytime in your iTunes Account Settings. Available plans: - Monthly: $4.99 per month - Annual: $29.99 per year