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HippoSplit vs My Instincts

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

HippoSplit compared with My Instincts
DetailHippoSplit logo HippoSplitMy Instincts logo My Instincts
What it doesChat-first expense tracker for splitting group bills and tracking shared costs Private expense tracker built from bank, UPI, and card notifications
StageNot given Not given
FoundedNot given Not given
Based inUS Not given
Pricing modelFreemium Not given
PricingFree plan: $0 (unlimited expense entries, 20 AI scans per week). Premium monthly: $4.17/month (billed as $5.99 monthly, or save 30% with yearly billing at $49.99/year). Free core app; Pro: Lifetime unlock around ₹199 or annual plan (pricing shown in Play at purchase time)
Key features
  • AI receipt and chat message parsing
  • Multiple split methods: equal, custom amounts, percentages, shares, itemized
  • 150+ currencies with live exchange rates
  • Recurring expenses for rent, subscriptions, utilities
  • Guest access via invite links and QR codes
  • Real-time balance updates and settlement reports
  • Advanced reports and spending insights
  • End-to-end encryption for all financial data
  • 20 AI scans per week on free plan
  • Unlimited AI scans with Premium
  • Parse bank, UPI, and card notifications into spending records
  • Weekly and monthly spending totals
  • Track bills, subscriptions, and refunds
  • Link amounts to source notifications for verification
  • Distinguish transfers and income from spending
  • Quick cash entry without notification trigger
  • On-device questions about spending answered locally
  • Optional encrypted backup to personal cloud storage
  • Home screen widget (Pro)
What makes it different
  • Chat interface makes expense logging feel like messaging rather than bookkeeping
  • No signup required for guests to join groups
  • Only group creator needs Premium for everyone to access premium features
  • Privacy-first approach with no ads, tracking, or data sales
  • Truly free plan for casual groups and trips
  • No SMS permission, bank login, or account creation required
  • All data processed and stored locally on device
  • No server receives transaction data or sells spending information
  • Verify data yourself by tapping to see source notifications
  • Optional app lock with PIN or biometrics for additional security
Community votes00
DR (Domain Rating by Ahrefs)31 no change since last checkNot checked yet no change since last check
Trust Flow (Majestic)120
Citation Flow (Majestic)250
Referring domains (Majestic)440

4 details filled in for both companies.

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