Capture
SMS, statements, CSV, receipts, or manual entry.
● Offline-first● Privacy-first
Personal finance
that stays personal.
Turn everyday transactions into a plan for spending, saving, and investing. MoneySplit keeps the whole picture on your device, where it belongs.
No sign-up wall·Data stays on device·Works offline·Built for the whole money journey
What MoneySplit does
Track spending, plan income, and build savings.
Import transactions, see upcoming payments, assign income to spending and savings, and track investments without sending your full financial history to a remote account.
Review
Check accounts, cash flow, trends, and detected issues.
Plan
Give income a job across spending and saving.
Prepare
See bills, subscriptions, and EMIs before they are due.
Track progress
Follow savings goals and investment holdings.
Bills & due dates, handled.
Pending, overdue, due this week, or already acted on — every liability gets a state. Stop discovering missed payments in your bank statement.
Budgets + savings
Give every part of your income a purpose.
Split income by percentage or amount across everyday spending and savings goals. Track envelopes, move available money, find unbudgeted categories, and see a daily safe-to-spend figure without losing the bigger picture.
Income allocationFlexible envelopesSavings goalsSafe to spend
Budget Engine
Monthly, custom-range, or paycheck-aligned periods with live usage tracking. Not static pie charts.
Subscriptions
Recurring spend visibility. Know your monthly burn rate before renewals surprise you.
Unified Accounts
Bank, card, wallet, cash — one private financial map.
Smart Scan. Less typing.
Background SMS sync picks up transactions as they happen. Bulk scans cover date ranges. PDF statement import fills gaps. Everything arrives categorized and ready for review.
Graphs & Insights
Visual spend flows, category breakdowns, and digest-style analytics. See where money actually goes.
Security & Backup
Biometric app lock. Local backup or Google Drive. You choose where copies live.
Investment tracking
Track investments with the rest of your finances.
Track holdings, contributions, valuations, gains and allocation across accounts. Import supported statements, use optional market quotes, and connect investments to the goals they are intended to fund.
Explore investment tracking →We don't have your data. By design.
Financial data stays on your phone. SMS parsing reads transaction context, not conversations. No forced accounts, no data selling, no behavioral tracking.
See it in action
Dashboard
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