Snap receipts.
AI tracks the rest.
The zero-friction expense tracker. Photograph a receipt, speak a voice note, or log cash in 3 seconds. Split bills with friends. 100% private, on-device.
Core Features: AI Receipt Scanner,
Voice Log & Bill Splitting
Designed to be the fastest AI expense tracker for iOS and Android. Replaces clunky spreadsheets and expensive subscription apps.
Multi-Receipt & Invoice AI Scanner
Point your camera at paper receipts, digital invoices, or screenshots. Qivvo's on-device OCR and AI extract merchants, line items, taxes, and totals in seconds.
Voice Expense Log
Speak naturally while walking: "Spent $15 on lunch at Chipotle". AI categorizes and logs it hands-free.
Unlimited Bill Splitting
Split restaurant bills or trip expenses with friends. No 3-expense/day limits, no paywalls, zero ads.
Budget Brain & Shopping Plans
AI analyzes spending trends and gives actionable advice to reduce costs without feeling restricted.
Visual Spending Analytics
Clean, beautiful charts show where your money goes by week, month, or custom payday budget cycle.
100% On-Device Privacy & Offline-First
Your financial data stays securely encrypted on your phone (SQLite Drift). No cloud data mining, no bank credentials required, and works 100% offline without an internet connection.
Designed for speed.
Crafted for clarity.
Real screens from the Qivvo app on iOS and Android. Modern, minimal, and lightning fast.
Snap any receipt.
Zero manual typing.
Our on-device AI camera instantly reads items, taxes, dates, and total amounts directly from your photo or screenshot.
- Sub-2 second instant edge OCR
- 100% Private — photo never uploads to a server
- Auto-categorizes into Groceries, Dining, Fuel, etc.
Real-time burn rate.
Know what you can spend.
Clear, clutter-free dashboard showing your monthly spending pace, daily target allowance, and recent transactions in real time.
- Daily Safe-to-Spend Target calculation
- Monthly burn-rate projection with pace warnings
- 1-Tap quick entry for cash, voice, or gallery images
Deep category trends.
Spot waste effortlessly.
Beautiful interactive donut charts and category distributions. Filter by week, month, or customized payday budget intervals.
- Structure & Share interactive category distribution
- Week-over-week spending velocity comparisons
- AI Insights detecting recurring charges & creep
Split bills instantly.
Zero awkward IOUs.
Split dinner receipts, trip expenses, or rent with friends. Equal splits or itemized amounts without limits or annoying paywalls.
- Unlimited expense entries per day — 100% free
- Custom split by percentage, exact amounts, or shares
- No bank login or friend app-install required
How Qivvo Works in 3 Steps
Zero friction from receipt to budget breakdown.
1. Capture
Snap a photo of your receipt or speak a voice note on the go.
2. AI Organizes
AI extracts total, date, merchant, and auto-tags the category in 2 seconds.
3. Track & Save
View analytics, split bills with friends, and optimize your monthly spending.
Calculate Your Saved Time & Money
Manual expense tracking takes ~2 minutes per receipt. See how much time and money Qivvo saves you every month.
Why Switch to Qivvo vs Splitwise, YNAB & Monefy
Compare Qivvo's free AI receipt scanning and unlimited bill splitting against traditional personal finance apps.
| Feature | Splitwise | YNAB | Monefy | Qivvo |
|---|---|---|---|---|
| AI Receipt Scanning | $5/mo Pro | Included Free | ||
| Voice Expense Logging | Built-in AI | |||
| Bill Splitting Limits | 3 expenses/day | No split | No split | Unlimited Free |
| Privacy / No Bank Login | Requires Plaid | 100% On-Device | ||
| Advertisements | Video Ads | No Ads | Banner Ads | Zero Ads |
| Price | $5/mo | $109/year | $3–$10 | FREE |
Frequently Asked Questions
Everything you need to know about Qivvo AI expense tracker, on-device privacy, and free bill splitting.
Take control of your money
in seconds
Download Qivvo AI expense tracker today for iOS & Android. 100% free, zero ads, completely private.
