Split Wisely vs Hisab

The modern way India splits expenses. Split Wisely makes sharing costs with friends, flatmates, couples and trip groups effortless — and actually pleasant to look at. Add an expense in seconds, see exactly who owes whom, settle in one tap with any UPI app, and keep your own spending tracked privately on the side. Split Without the Awkwardness • Groups for trips, homes, couples and everything else • Every split style: equally, exact amounts, percentages, shares, +/- adjustments • Multiple payers, multi-currency, receipts, notes and comments • Balances computed precisely to the paisa — no rounding disputes Settle Up in Seconds • One-tap settle with your UPI app, pre-filled with the right amount • Simplify debts inside groups — fewest possible transfers • Gentle reminders (never spammy — one per day, only when they owe you) Your Personal Money Tracker (free) • A private tracker at the center of the app — add a spend in 2 taps • Monthly view with history, categories and daily averages • Nothing here is shared with anyone Your Own AI Money Coach (Pro AI) • Financier — chat with an AI that actually knows your spending, splits and balances • Savings Coach — a monthly report: unused subscriptions, EMIs, concrete ways to save • Import credit-card and Paytm / PhonePe / Google Pay statements (PDF, Excel, CSV) • Connect Gmail and bills in your inbox import themselves — you review first • AI reads, categorises and de-duplicates across every source — even a card spend made through UPI showing up in two statements • Statement files are deleted right after processing EMIs Under Control (free) • Every loan in one place: monthly load, months left, payoff date • EMI-like payments detected automatically from your spends Split Wisely Pro — ₹99/month · Pro AI — ₹299/month or ₹2,999/year Pro: unlimited daily expenses, receipt scanning, itemization, advanced dashboard and charts, expense search, saved default splits, currency conversion. Pro AI: everything in Pro plus the Financier chat, Savings Coach, AI statement import and Gmail bill sync. Private & Secure by Design • Your data lives in India (Mumbai region) • Bank-grade security rules on every record • Biometric app lock, full account deletion in-app Fair with friends. Smart with money. Split Wisely. Subscriptions Split Wisely Pro is Rs 99/month. Pro AI is Rs 299/month or Rs 2,999/year. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours prior to the end of the current period. You can manage or cancel your subscription in your Apple Account settings after purchase. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Split Wisely Terms of Service: https://splitwisely.cognitivesquad.com/terms Privacy Policy: https://splitwisely.cognitivesquad.com/privacy

Hisab (हिसाब) turns the statements you already download into a clear picture of your money — without your data ever leaving your phone. Import transaction exports from Google Pay, Paytm, or BHIM, and bank statements from HDFC Bank or IDFC FIRST Bank (PDF, XLSX, XLS, or TXT — password-protected PDFs supported). Hisab parses them deterministically and builds your personal bahi-khata: • MONTHLY BUCKETS — every statement lights up the months it covers; a yearly statement fills twelve at once. See at a glance which months still await which statement. • RECONCILIATION — every app payment is matched against your bank statement by UPI reference. Instantly see which payments the bank confirms, which are missing, and what you spent outside the apps. • NO DOUBLE COUNTING — re-import a statement, import overlapping periods, or the same statement in two formats: transaction identity guarantees zero duplicates. Bank rows matched to app payments count once. Transfers between your own accounts are excluded automatically. • ANALYTICS — monthly spend, income and net, six-month trend, category breakdown with editable rules, top merchants. Amounts in proper Indian notation (₹1,23,456.78). • PRIVATE BY ARCHITECTURE — no account, no network access, no analytics, no tracking. Your financial data stays in the app's private storage on your device. The entire app is open source (Apache-2.0). Made for India's statement formats. Missing your bank? The parser framework is open — contribute one on GitHub.