Contiv Financial vs Halvy

Contiv Financial is an expense and income tracker for people who keep personal and business money in the same app — and want the accounting to be right, not just tidy. Everything you record belongs to an account: cash, a current account, savings, an investment, a credit card or a loan. Each account holds its own currency. Your transactions, transfers and balance corrections all appear in one list, the way a statement reads. ACCOUNTS • As many accounts as you need, each in its own currency • Mark an account personal or business — categories stay shared, reports stay separate • Credit cards and loans are treated as what they are: money you owe. Never quietly subtracted from your cash • Hide accounts you rarely use, archive ones you've closed, restore them if you change your mind • An account with nothing recorded in it can be deleted outright ONE LIST FOR EVERYTHING • Income, expenses, transfers and balance corrections in a single Transactions view • Group by date or by category, filter by type, search notes, tags and category names • See how much moved in and out on any given day • Choose a period: this month, the last three or six, a full year, or your own dates RECORDING MONEY • A calculator keypad — type 12.40+8 and let the app do the arithmetic • Expense, Income and Refund as three clear choices. A refund reduces what you spent rather than pretending to be income, so your category totals stay honest • Split one purchase across several categories • Move money between your own accounts, including between currencies, with both amounts stated so no exchange rate is guessed on your behalf REPORTS • Profit and loss for any period, broken down by category or by account • A statement for a single account: what it opened with, what came in and went out, what it holds now — and it ties • Budgets by category or overall, weekly, monthly, yearly, or across dates you pick YOUR DATA, YOURS • Export everything to CSV — one block per account with a running balance, ready for a spreadsheet • Face ID or fingerprint lock • Light and dark themes • English and Romanian Contiv Financial needs an internet connection. You can export your data, clear it, or delete your account and everything in it from inside the app at any time.

Split expenses with your partner, with roommates, or on a group trip, and always know who owes who. No ads, no daily limits, no bank login required. COMING FROM SPLITWISE? Import your existing history in one tap and pick up where you left off. Add an expense in seconds, choose how to split it, and your balance updates instantly. When it's time to settle up, Halvy shows exactly who pays whom. Pay through your favorite app and mark it settled. WHAT'S FREE, ALWAYS • Unlimited expenses, no daily cap • Every split method, including split-by-income • No ads, ever • Import your Splitwise history • Works offline; no bank connection asked for SPLIT FAIRLY, NOT JUST 50/50 • Split by income: shares that match what each of you earns • When an income changes, future splits update automatically • Only your split % is ever shown. Your income amount stays private • Or split equally, by percentage, shares, or exact amounts • Fairness is never paywalled: every split method is free ALWAYS KNOW THE BALANCE • Home screen and lock screen widgets: your balance at a glance • Get notified when your partner adds an expense or settles up • Groups for couples, roommates, or trips • A clean activity feed of everything you've shared SETTLE UP, YOUR WAY • Pay via Venmo, PayPal, Cash App, UPI, Pix, PayNow, and more • Save your payment method once, and your partner sees how to pay you • Or keep it simple and just mark it settled YOUR MONTHLY MONEY DATE • A recap on the 1st: what you spent together and who owes who • Settle up right from the recap, share it with your partner • Pro adds the deep-dive: category breakdown, who paid what, trends TRIPS GET THEIR OWN LEDGER • Give a trip its own balance, separate from everyday life • Set the dates and Halvy counts it down, then counts the days you are on it • See the whole trip total, and who owes who at the end • Its own currency, converted automatically • Nothing about a trip clutters your normal month SCAN RECEIPTS (Pro) • Snap a receipt and the items are extracted automatically • Assign each line to me, them, or shared; tax and tip prorated • Add a whole stack of receipts in one go STAY ON TRACK (Pro) • Monthly budgets per category with live progress • Recurring expenses (rent, subscriptions) posted automatically • Multiple currencies, converted automatically • Custom categories, trip plans and trip budgets • Export to CSV or PDF NOW FOR BUSINESS (Pro) • Create a Business group and run work expenses on the same offline-first engine • Capture sales tax with your own rate & label (Tax, GST/HST, VAT) • Tag expenses by client and see per-client totals • Log mileage: enter the distance and Halvy computes the amount • Track vendors, auto-filled when you scan a receipt • Accountant-ready CSV & PDF exports for any month, quarter, or year PRIVATE BY DESIGN • Works offline and syncs across your devices • Your data stays yours Halvy Pro unlocks the insights deep-dive, budgets, recurring expenses, receipt scanning, multi-currency, trip plans, exports, and business mode via subscription. Core expense splitting is always free. Halvy Pro is an auto-renewable subscription. • Plans: Monthly and Annual (auto-renewing), plus a one-time Lifetime option. • Payment is charged to your Apple ID at purchase confirmation. • Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Apple Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Halvy Privacy Policy: https://usehalvy.com/privacy