Cleave: Smart Expense Tracker

Cleave is India's only UPI expense tracker where even we cannot read your group expenses. Not a privacy policy. Architecture. Auto-tracks every payment. Splits bills in real-time. End-to-end encrypted. No account. No data sold. Ever. ━━━━━━━━━━━━━━━━━━━━━━ 🔒 GENUINELY PRIVATE — BY DESIGN Your personal expenses never leave your phone. Your group expenses are encrypted on your device before reaching our servers. We store encrypted data we cannot read. Your group key never leaves your devices. ✓ No account or sign-up required ✓ No OTPs ever read ✓ No personal chats accessed ✓ No ads. Ever. ✓ Biometric lock (fingerprint/Face Unlock) ✓ Personal data: 100% on your device ✓ Group data: E2EE encrypted (AES-GCM) ━━━━━━━━━━━━━━━━━━━━━━ 👥 REAL-TIME GROUP EXPENSE SPLITTING Stop chasing friends for money. Cleave's group expense manager lets your entire group track shared bills in real-time — privately. - Join via WhatsApp link — no QR codes - Add friends from your contacts instantly - Every expense syncs across all devices - Debt minimization: A owes B, B owes C? Cleave makes A pay C directly — fewer payments - One-tap UPI settle: Opens GPay/PhonePe with exact amount pre-filled Perfect for trips, flat rent, dinners, and any shared expense with friends. ━━━━━━━━━━━━━━━━━━━━━━ ⚡ ZERO-EFFORT UPI EXPENSE TRACKING India's most accurate UPI expense tracker. Cleave detects every payment the instant your bank notification arrives. No manual entry. Ever. Works with: GPay, PhonePe, Paytm, BHIM Banks: HDFC, SBI, ICICI, Axis, Kotak, IDFC First, Yes Bank and all major UPI apps ━━━━━━━━━━━━━━━━━━━━━━ 📸 AI RECEIPT SCANNER Snap any paper bill or receipt. On-device AI reads merchant and total instantly. No photo ever sent to any server. ━━━━━━━━━━━━━━━━━━━━━━ 📊 SMART BUDGET TRACKER & ANALYTICS - Set monthly budgets per category - Visual alerts before you hit your limit - Interactive donut charts by category - 6-month spending trends per category - Daily, weekly, monthly, yearly views - Safe-to-spend calculator: know your daily budget before you spend ━━━━━━━━━━━━━━━━━━━━━━ 🇮🇳 MADE IN INDIA Built for the Indian UPI ecosystem. Optimized for every major Indian bank. Atmanirbhar Bharat Initiative. The ultimate private money manager. The best group bill splitter for India. The only group expense manager that is genuinely private. Download free. No account. No catch.