About Diftiva

Turn a better spending choice into visible progress.

Diftiva is a plan-vs-actual saving tracker. It helps you see a positive spending difference, give it a purpose, and record what you do next.

Start with what actually happened

Enter what you planned to spend and what you actually spent. If the actual amount is lower, Diftiva calculates the difference kept. If you spend more than planned, you can still record it honestly without creating a negative amount to allocate.

Give the difference a purpose

Allocate some or all of a positive difference to a goal. Allocation records your intention; it does not move money and does not yet increase the goal's marked-as-transferred progress.

Confirm only after you act

Move money using your own bank, wallet, or other account. Then return to Diftiva and mark the amount as transferred. That status is based on your confirmation, not on a bank connection or reconciliation feed.

What Diftiva is—and is not

Diftiva is a personal record-keeping tool. It is not a bank, payment service, money transmitter, custodial account, or investment adviser. Diftiva does not hold funds, read bank balances, or execute transfers.

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